FDIC Certificate #: 273 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Area Bank (#18478) Federal Reserve ID: 643144 Date Established: January 01, 1909 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 3 (Interstate: No) FDIC's unique #: 218 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: August 18, 2000 Last Structure Change Process Date: October 05, 2000 Last Data Update: October 05, 2000 Data Source Date: April 05, 2012
Location
Address: Main Street, Tiline, KY 42083 County: Livingston Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Dallas FDIC Field Office: Hopkinsville Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: Southeast Combined Statistical Area (CSA): Paducah-Mayfield, KY-IL (#424) Core Based Statistical Area (CBSA): Paducah, KY-IL (#37140) CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $41.5 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 1999)
Dollar figures in thousands
22Total employees (full-time equivalent)
$38,859Total assets
$2,671Cash and due from depository institutions
$0Interest-bearing balances
$15,914Securities
$1,000Federal funds sold & reverse repurchase agreements
$18,369Net loans & leases
$350Loan loss allowance
$0Trading account assets
$455Bank premises and fixed assets
$15Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$435All other assets
$38,859Total liabilities and capital
$34,458Total liabilities
$34,004Total deposits
$29,062Interest-bearing deposits
$34,004Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$25Other borrowed funds
$0Subordinated debt
$429All other liabilities
$4,401Total equity capital
$4,401Total bank equity capital
$4,401Perpetual preferred stock
$0Common stock
$50Surplus
$1,950Undivided profits
Memoranda
$2,401Noncurrent loans and leases
$827Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$101Earning assets
$0Long-term assets (5+ years)
$136Average Assets, year-to-date
$35,283Average Assets, quarterly
$2,543Volatile liabilities
$38,485Insider loans
$38,873FHLB advances
$4,542Loans and leases held for sale
$190Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$827Total unused commitments
$0Restructured Loans and leases
$228Derivatives
Income and Expense (December 31, 1999)
Dollar figures in thousands
$2,610Total interest income
$1,177Total interest expense
$1,433Net interest income
$100Provision for loan and lease losses
$325Total noninterest income
$0Fiduciary activities
$170Service charges on deposit accounts
$0Trading account gains & fees
$155Additional noninterest income
$1,219Total noninterest expense
$592Salaries and employee benefits
$176Premises and equipment expense
$451Additional noninterest expense
$439Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$439Income before extraordinary items
$0Extraordinary gains - net
$439Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$48Sale, conversion, retirement of capital stock, net
$208Net operating income
Performance and Condition Ratios (December 31, 1999)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.30%Yield on earning assets
3.29%Cost of funding earning assets
4.01%Net interest margin
0.91%Noninterest income to earning assets
3.41%Noninterest expense to earning assets
1.14%Net operating income to assets
1.14%Return on assets (ROA)
1.14%Pretax return on assets
9.78%Return on equity (ROE)
5.15%Retained earnings to average equity (YTD only)
0.26%Net charge-offs to loans
208.33%Credit loss provision to net charge-offs
11.23%Efficiency ratio
69,340Assets per employee
1.77%Cash dividends to net income (YTD only)
Condition Ratios (%)
47.38%Loss allowance to loans
1.87%Loss allowance to noncurrent loans
346.53%Noncurrent assets plus other real estate owned to assets
0.30%Noncurrent loans to loans
0.54%Net loans and leases to deposits
54.02%Net loans and leases to core deposits
62.30%Equity capital to assets
11.33%Core capital (leverage) ratio
11.49%Tier 1 risk-based capital ratio
25.04%Total risk-based capital ratio
Memoranda
$26Average assets
$38,485Average earning assets
$4,489Average equity
$35,761Average loans
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