Bank of Murray in Murray, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of November 17, 1994

  • Bank of Murray in Murray, Kentucky (KY)
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Bank of Murray - Overview

  • General
  • FDIC Certificate #: 12158
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Union Planters Bank of Kentucky, National Association (#2763)
    Federal Reserve ID: 404345
    Date Established: November 15, 1932
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Interstate: No)
    FDIC's unique #: 7720
    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: November 17, 1994
    Last Structure Change Process Date: November 29, 1994
    Last Data Update: November 29, 1994
    Data Source Date: April 05, 2012
  • Location
  • Address: 4th And Main Streets, Murray, KY 42071
    County: Calloway
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Hopkinsville
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Southeast
    Core Based Statistical Area (CBSA): Murray, KY (#34660)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $260.2 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $97Total assets
  • $254,405Cash and due from depository institutions
  • $8,952Interest-bearing balances
  • $0Securities
  • $86,074Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $142,237Loan loss allowance
  • $2,099Trading account assets
  • $0Bank premises and fixed assets
  • $3,525Other real estate owned
  • $255Goodwill and other intangibles
  • $2,760Life insurance assets
  • $10,602All other assets
  • $0Total liabilities and capital
  • $254,405Total liabilities
  • $221,371Total deposits
  • $215,815Interest-bearing deposits
  • $192,998Deposits held in domestic offices
  • 215815.00%% insured (estimated)
  • $90Federal funds purchased & repurchase agreements
  • $4,100Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $1,456Total equity capital
  • $1,456Total bank equity capital
  • $33,034Perpetual preferred stock
  • $0Common stock
  • $1,480Surplus
  • $31,040Undivided profits
  • Memoranda
  • $514Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $282Income earned, not collected on loans
  • $1,059Earning assets
  • $228,311Long-term assets (5+ years)
  • $11,269Average Assets, year-to-date
  • $252,213Average Assets, quarterly
  • $255,864Volatile liabilities
  • $30,924Insider loans
  • $2,814FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $12,783Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $22,432Total risk weighted assets
  • $135,780Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1993)

  • Dollar figures in thousands
  • $0Total interest income
  • $15,659Total interest expense
  • $7,191Net interest income
  • $8,468Provision for loan and lease losses
  • $440Total noninterest income
  • $1,241Fiduciary activities
  • $120Service charges on deposit accounts
  • $799Trading account gains & fees
  • $0Additional noninterest income
  • $322Total noninterest expense
  • $6,574Salaries and employee benefits
  • $2,757Premises and equipment expense
  • $621Additional noninterest expense
  • $3,196Pre-tax net operating income
  • $2,695Securities gains (losses)
  • $1Applicable income taxes
  • $919Income before extraordinary items
  • $1,777Extraordinary gains - net
  • $0Net income attributable to bank
  • $1,777Net charge-offs
  • $74Cash dividends
  • $1,400Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1993)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 6.94%Cost of funding earning assets
  • 3.19%Net interest margin
  • 3.75%Noninterest income to earning assets
  • 0.55%Noninterest expense to earning assets
  • 2.91%Net operating income to assets
  • 0.70%Return on assets (ROA)
  • 0.70%Pretax return on assets
  • 1.07%Return on equity (ROE)
  • 5.41%Retained earnings to average equity (YTD only)
  • 1.15%Net charge-offs to loans
  • 0.06%Credit loss provision to net charge-offs
  • 594.59%Efficiency ratio
  • 59,522Assets per employee
  • 2.62%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 78.78%Loss allowance to loans
  • 1.45%Loss allowance to noncurrent loans
  • 744.33%Noncurrent assets plus other real estate owned to assets
  • 0.21%Noncurrent loans to loans
  • 0.20%Net loans and leases to deposits
  • 65.91%Net loans and leases to core deposits
  • 75.26%Equity capital to assets
  • 12.98%Core capital (leverage) ratio
  • 9.16%Tier 1 risk-based capital ratio
  • 16.52%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $252,213Average earning assets
  • $32,864Average equity
  • $225,597Average loans

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