Bank One, Lexington, National Association in Lexington, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of September 14, 1996

  • Bank One, Lexington, National Association in Lexington, Kentucky (KY)
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Bank One, Lexington, National Association - Overview

  • General
  • FDIC Certificate #: 10143
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Bank One, Kentucky, National Association (#14985)
    Federal Reserve ID: 630210
    Date Established: January 01, 1906
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 25 (Interstate: No)
    FDIC's unique #: 6492
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: September 14, 1996
    Last Structure Change Process Date: September 19, 1996
    Last Data Update: September 19, 1996
    Data Source Date: April 05, 2012
  • Location
  • Address: 201 East Main Street, Lexington, KY 40507
    County: Fayette
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Lexington
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Lexington, KY (#4280)
    Combined Statistical Area (CSA): Lexington-Fayette-Frankfort-Richmond, KY (#336)
    Core Based Statistical Area (CBSA): Lexington-Fayette, KY (#30460)
    CBSA Metro Statistical Area: Lexington-Fayette, KY (#30460)
  • Financial Summary
  • Total assets: $1,604.9 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $692Total assets
  • $1,656,142Cash and due from depository institutions
  • $108,178Interest-bearing balances
  • $0Securities
  • $265,186Federal funds sold & reverse repurchase agreements
  • $74,500Net loans & leases
  • $1,129,616Loan loss allowance
  • $19,829Trading account assets
  • $0Bank premises and fixed assets
  • $19,708Other real estate owned
  • $1,543Goodwill and other intangibles
  • $51,782Life insurance assets
  • $5,629All other assets
  • $0Total liabilities and capital
  • $1,656,142Total liabilities
  • $1,491,542Total deposits
  • $1,341,086Interest-bearing deposits
  • $1,044,465Deposits held in domestic offices
  • 1341086.00%% insured (estimated)
  • $78Federal funds purchased & repurchase agreements
  • $125,768Trading liabilities
  • $0Other borrowed funds
  • $7,349Subordinated debt
  • $0All other liabilities
  • $17,339Total equity capital
  • $17,339Total bank equity capital
  • $164,600Perpetual preferred stock
  • $0Common stock
  • $32,500Surplus
  • $32,500Undivided profits
  • Memoranda
  • $99,600Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $17,610Income earned, not collected on loans
  • $11,877Earning assets
  • $1,469,302Long-term assets (5+ years)
  • $133,404Average Assets, year-to-date
  • $1,656,971Average Assets, quarterly
  • $1,653,975Volatile liabilities
  • $173,806Insider loans
  • $38,821FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $388,653Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $155,904Total risk weighted assets
  • $1,335,152Total unused commitments
  • $0Restructured Loans and leases
  • $1,073,451Derivatives

Income and Expense (December 31, 1995)

  • Dollar figures in thousands
  • $0Total interest income
  • $122,085Total interest expense
  • $53,563Net interest income
  • $68,522Provision for loan and lease losses
  • -$12,055Total noninterest income
  • $27,171Fiduciary activities
  • $6,474Service charges on deposit accounts
  • $9,079Trading account gains & fees
  • $0Additional noninterest income
  • $11,618Total noninterest expense
  • $61,543Salaries and employee benefits
  • $23,400Premises and equipment expense
  • $5,045Additional noninterest expense
  • $33,098Pre-tax net operating income
  • $46,205Securities gains (losses)
  • -$253Applicable income taxes
  • $14,133Income before extraordinary items
  • $31,819Extraordinary gains - net
  • $0Net income attributable to bank
  • $31,819Net charge-offs
  • $3,081Cash dividends
  • $58,100Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1995)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.29%Cost of funding earning assets
  • 3.64%Net interest margin
  • 4.65%Noninterest income to earning assets
  • 1.85%Noninterest expense to earning assets
  • 4.18%Net operating income to assets
  • 1.93%Return on assets (ROA)
  • 1.92%Pretax return on assets
  • 2.77%Return on equity (ROE)
  • 16.87%Retained earnings to average equity (YTD only)
  • -13.93%Net charge-offs to loans
  • 0.26%Credit loss provision to net charge-offs
  • -391.27%Efficiency ratio
  • 63,788Assets per employee
  • 2.39%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 182.60%Loss allowance to loans
  • 1.73%Loss allowance to noncurrent loans
  • 112.60%Noncurrent assets plus other real estate owned to assets
  • 1.59%Noncurrent loans to loans
  • 1.53%Net loans and leases to deposits
  • 84.23%Net loans and leases to core deposits
  • 86.87%Equity capital to assets
  • 9.94%Core capital (leverage) ratio
  • 9.36%Tier 1 risk-based capital ratio
  • 11.68%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $1,656,971Average earning assets
  • $188,603Average equity
  • $1,472,320Average loans

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