Banterra Bank, National Association in Paducah, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of September 11, 1998

  • Banterra Bank, National Association in Paducah, Kentucky (KY)
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Banterra Bank, National Association - Overview

  • General
  • FDIC Certificate #: 14244
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Banterra Bank (#17514)
    Federal Reserve ID: 263645
    Date Established: January 01, 1899
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 3 (Interstate: No)
    OTS Docket #: 13992
    FDIC's unique #: 8893
    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: April 16, 1934
    Last Structure Change Effective Date: September 11, 1998
    Last Structure Change Process Date: September 24, 1998
    Last Data Update: September 24, 1998
    Data Source Date: April 05, 2012
  • Location
  • Address: 3151 Parisa Drive, Paducah, KY 42001
    County: Mccracken
    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
    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: $84.2 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1997)

  • Dollar figures in thousands
  • 34Total employees (full-time equivalent)
  • $80,021Total assets
  • $3,480Cash and due from depository institutions
  • $104Interest-bearing balances
  • $19,291Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $53,630Net loans & leases
  • $938Loan loss allowance
  • $0Trading account assets
  • $2,251Bank premises and fixed assets
  • $83Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $1,286All other assets
  • $80,021Total liabilities and capital
  • $73,639Total liabilities
  • $72,765Total deposits
  • $68,471Interest-bearing deposits
  • $72,765Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $400Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $474All other liabilities
  • $6,382Total equity capital
  • $6,382Total bank equity capital
  • $6,382Perpetual preferred stock
  • $0Common stock
  • $150Surplus
  • $1,350Undivided profits
  • Memoranda
  • $4,882Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $479Earning assets
  • $0Long-term assets (5+ years)
  • $741Average Assets, year-to-date
  • $73,025Average Assets, quarterly
  • $10,041Volatile liabilities
  • $74,043Insider loans
  • $78,658FHLB advances
  • $14,104Loans and leases held for sale
  • $358Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $6,821Total unused commitments
  • $0Restructured Loans and leases
  • $52,288Derivatives

Income and Expense (December 31, 1997)

  • Dollar figures in thousands
  • $5,626Total interest income
  • $3,251Total interest expense
  • $2,375Net interest income
  • $270Provision for loan and lease losses
  • $354Total noninterest income
  • $0Fiduciary activities
  • $188Service charges on deposit accounts
  • $0Trading account gains & fees
  • $166Additional noninterest income
  • $2,159Total noninterest expense
  • $1,051Salaries and employee benefits
  • $314Premises and equipment expense
  • $794Additional noninterest expense
  • $300Pre-tax net operating income
  • -$11Securities gains (losses)
  • $55Applicable income taxes
  • $234Income before extraordinary items
  • $0Extraordinary gains - net
  • $234Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $249Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1997)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.25%Yield on earning assets
  • 4.77%Cost of funding earning assets
  • 3.48%Net interest margin
  • 0.52%Noninterest income to earning assets
  • 3.17%Noninterest expense to earning assets
  • 0.33%Net operating income to assets
  • 0.32%Return on assets (ROA)
  • 0.39%Pretax return on assets
  • 3.77%Return on equity (ROE)
  • 3.77%Retained earnings to average equity (YTD only)
  • 0.53%Net charge-offs to loans
  • 108.43%Credit loss provision to net charge-offs
  • 2.29%Efficiency ratio
  • 79,113Assets per employee
  • 2.35%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.72%Loss allowance to noncurrent loans
  • 195.82%Noncurrent assets plus other real estate owned to assets
  • 0.70%Noncurrent loans to loans
  • 0.88%Net loans and leases to deposits
  • 73.70%Net loans and leases to core deposits
  • 90.80%Equity capital to assets
  • 7.98%Core capital (leverage) ratio
  • 8.07%Tier 1 risk-based capital ratio
  • 12.15%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $74,043Average earning assets
  • $6,208Average equity
  • $68,190Average loans

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