Cardinal Federal Savings Bank in Owensboro, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of May 01, 1993

Cardinal Federal Savings Bank in Owensboro, Kentucky (KY)
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Cardinal Federal Savings Bank - Overview

General
FDIC Certificate #: 27730
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Great Financial Bank, FSB (#27731)
Federal Reserve ID: 224879
Date Established: January 01, 1913
Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
OTS Docket #: 187
FDIC's unique #: 40564
Numeric code: 33
Regulator: OTS
Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
FDIC Insured: Yes
SAIF Insured: Yes
Insured Savings Institution: Yes
State Chartered: No
Date of Deposit Insurance: August 03, 1936
Last Structure Change Effective Date: May 01, 1993
Last Structure Change Process Date: May 07, 1993
Last Data Update: May 07, 1993
Data Source Date: April 05, 2012
Location
Address: 700 Frederica St, Owensboro, KY 42301
County: Daviess
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
Metropolitan Statistical Area (MSA): Owensboro, KY (#5990)
Core Based Statistical Area (CBSA): Owensboro, KY (#36980)
CBSA Metro Statistical Area: Owensboro, KY (#36980)
Financial Summary
Total assets: $248.5 mil

Assets and Liabilities (December 31, 1992)

Dollar figures in thousands
0Total employees (full-time equivalent)
$87Total assets
$254,569Cash and due from depository institutions
$6,647Interest-bearing balances
$2,699Securities
$78,478Federal funds sold & reverse repurchase agreements
$0Net loans & leases
$162,878Loan loss allowance
$1,951Trading account assets
$0Bank premises and fixed assets
$2,102Other real estate owned
$109Goodwill and other intangibles
$4,355Life insurance assets
$0All other assets
$0Total liabilities and capital
$254,569Total liabilities
$233,016Total deposits
$230,987Interest-bearing deposits
$227,638Deposits held in domestic offices
230987.00%% insured (estimated)
$98Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$1,490Subordinated debt
$0All other liabilities
$539Total equity capital
$539Total bank equity capital
$21,553Perpetual preferred stock
$0Common stock
$1Surplus
$11,038Undivided profits
Memoranda
$10,514Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,041Income earned, not collected on loans
$1,214Earning assets
$244,055Long-term assets (5+ years)
$0Average Assets, year-to-date
$266,682Average Assets, quarterly
$257,531Volatile liabilities
$13,676Insider loans
$0FHLB advances
$747Loans and leases held for sale
$0Unused loan commitments
$3,502Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$21,508Total risk weighted assets
$122,402Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1992)

Dollar figures in thousands
$0Total interest income
$20,710Total interest expense
$14,139Net interest income
$6,571Provision for loan and lease losses
$180Total noninterest income
$851Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$0Additional noninterest income
$851Total noninterest expense
$5,410Salaries and employee benefits
$2,563Premises and equipment expense
$949Additional noninterest expense
$1,898Pre-tax net operating income
$1,832Securities gains (losses)
$276Applicable income taxes
$659Income before extraordinary items
$1,449Extraordinary gains - net
$0Net income attributable to bank
$1,449Net charge-offs
$18Cash dividends
$200Sale, conversion, retirement of capital stock, net
-$478Net operating income

Performance and Condition Ratios (December 31, 1992)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
8.10%Cost of funding earning assets
5.53%Net interest margin
2.57%Noninterest income to earning assets
0.33%Noninterest expense to earning assets
2.12%Net operating income to assets
0.47%Return on assets (ROA)
0.54%Pretax return on assets
0.79%Return on equity (ROE)
6.97%Retained earnings to average equity (YTD only)
6.01%Net charge-offs to loans
0.01%Credit loss provision to net charge-offs
1000.00%Efficiency ratio
72,891Assets per employee
2.93%Cash dividends to net income (YTD only)
Condition Ratios (%)
13.80%Loss allowance to loans
1.18%Loss allowance to noncurrent loans
187.42%Noncurrent assets plus other real estate owned to assets
0.45%Noncurrent loans to loans
0.63%Net loans and leases to deposits
70.51%Net loans and leases to core deposits
74.44%Equity capital to assets
8.47%Core capital (leverage) ratio
8.46%Tier 1 risk-based capital ratio
17.57%Total risk-based capital ratio
Memoranda
$19Average assets
$266,682Average earning assets
$20,780Average equity
$255,721Average loans

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