FDIC Certificate #: 278 Status: Inactive Closing history: Corrections Acquiring institution:PBI Bank (#9314) Federal Reserve ID: 460248 Date Established: January 01, 1919 WWW:http://www.ascenciabank.com Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Interstate: No) OTS Docket #: 9254 FDIC's unique #: 223 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes State Chartered: Yes Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: January 01, 2006 Last Structure Change Process Date: January 13, 2006 Last Data Update: January 13, 2006 Data Source Date: April 05, 2012
Location
Address: 2500 Eastpoint Parkway, Louisville, KY 40223 County: Jefferson Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Chicago FDIC Field Office: Elizabethtown Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: Southeast Metropolitan Statistical Area (MSA): Louisville, KY-IN (#4520) Combined Statistical Area (CSA): Louisville-Jefferson County-Elizabethtown-Scottsburg, KY-IN (#350) Core Based Statistical Area (CBSA): Louisville-Jefferson County, KY-IN (#31140) CBSA Metro Statistical Area: Louisville-Jefferson County, KY-IN (#31140)
History of Changes
Merger - Without Assistance
Corrections
Financial Summary
Total assets: $367.2 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
2000 - 2011 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2005)
Dollar figures in thousands
34Total employees (full-time equivalent)
$367,191Total assets
$4,640Cash and due from depository institutions
$317Interest-bearing balances
$45,793Securities
$25,475Federal funds sold & reverse repurchase agreements
$270,739Net loans & leases
$4,178Loan loss allowance
$0Trading account assets
$4,430Bank premises and fixed assets
$39Other real estate owned
$8,148Goodwill and other intangibles
$0Life insurance assets
$7,927All other assets
$367,191Total liabilities and capital
$328,069Total liabilities
$313,996Total deposits
$306,152Interest-bearing deposits
$313,996Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$12,629Other borrowed funds
$0Subordinated debt
$1,444All other liabilities
$39,122Total equity capital
$39,122Total bank equity capital
$39,122Perpetual preferred stock
$0Common stock
$500Surplus
$33,495Undivided profits
Memoranda
$5,127Noncurrent loans and leases
$58,726Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$1,320Earning assets
$0Long-term assets (5+ years)
$1,854Average Assets, year-to-date
$342,324Average Assets, quarterly
$36,137Volatile liabilities
$331,038Insider loans
$353,897FHLB advances
$36,100Loans and leases held for sale
$870Unused loan commitments
$12,629Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$58,726Total unused commitments
$0Restructured Loans and leases
$3,550Derivatives
Income and Expense (December 31, 2005)
Dollar figures in thousands
$20,642Total interest income
$9,707Total interest expense
$10,935Net interest income
$712Provision for loan and lease losses
$927Total noninterest income
$0Fiduciary activities
$15Service charges on deposit accounts
$0Trading account gains & fees
$912Additional noninterest income
$4,602Total noninterest expense
$2,719Salaries and employee benefits
$576Premises and equipment expense
$1,307Additional noninterest expense
$6,548Pre-tax net operating income
$22Securities gains (losses)
$2,113Applicable income taxes
$4,457Income before extraordinary items
$0Extraordinary gains - net
$4,457Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$227Sale, conversion, retirement of capital stock, net
$2,450Net operating income
Performance and Condition Ratios (December 31, 2005)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.57%Yield on earning assets
3.09%Cost of funding earning assets
3.48%Net interest margin
0.30%Noninterest income to earning assets
1.47%Noninterest expense to earning assets
1.34%Net operating income to assets
1.35%Return on assets (ROA)
1.98%Pretax return on assets
13.75%Return on equity (ROE)
6.19%Retained earnings to average equity (YTD only)
0.09%Net charge-offs to loans
313.66%Credit loss provision to net charge-offs
31.98%Efficiency ratio
38,796Assets per employee
10.80%Cash dividends to net income (YTD only)
Condition Ratios (%)
54.97%Loss allowance to loans
1.52%Loss allowance to noncurrent loans
316.52%Noncurrent assets plus other real estate owned to assets
0.37%Noncurrent loans to loans
0.48%Net loans and leases to deposits
86.22%Net loans and leases to core deposits
97.42%Equity capital to assets
10.65%Core capital (leverage) ratio
9.30%Tier 1 risk-based capital ratio
11.01%Total risk-based capital ratio
Memoranda
$12Average assets
$331,038Average earning assets
$32,414Average equity
$314,040Average loans
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