Ascencia Bank in Louisville, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 01, 2006

  • Ascencia Bank in Louisville, Kentucky (KY)
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Ascencia Bank - Overview

  • General
  • 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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