Central Bank & Trust Company, Owensboro, Kentucky in Owensboro, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of April 01, 1994

  • Central Bank & Trust Company, Owensboro, Kentucky in Owensboro, Kentucky (KY)
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Central Bank & Trust Company, Owensboro, Kentucky - Overview

  • General
  • FDIC Certificate #: 14806
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: National City Bank of Kentucky (#2756)
    Federal Reserve ID: 405940
    Date Established: January 01, 1890
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 7 (Interstate: No)
    FDIC's unique #: 9263
    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: October 15, 1934
    Last Structure Change Effective Date: April 01, 1994
    Last Structure Change Process Date: May 06, 1994
    Last Data Update: October 05, 1995
    Data Source Date: April 05, 2012
  • Location
  • Address: 114 West 3rd Street, 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)
  • History of Changes
  • Merger - Without Assistance
    Corrections
  • Financial Summary
  • Total assets: $198.5 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)
  • $108Total assets
  • $210,341Cash and due from depository institutions
  • $20,628Interest-bearing balances
  • $188Securities
  • $6,746Federal funds sold & reverse repurchase agreements
  • $51,425Net loans & leases
  • $126,536Loan loss allowance
  • $1,643Trading account assets
  • $0Bank premises and fixed assets
  • $3,686Other real estate owned
  • $30Goodwill and other intangibles
  • $1,290Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $210,341Total liabilities
  • $195,965Total deposits
  • $177,500Interest-bearing deposits
  • $139,671Deposits held in domestic offices
  • 177500.00%% insured (estimated)
  • $82Federal funds purchased & repurchase agreements
  • $12,325Trading liabilities
  • $0Other borrowed funds
  • $4,733Subordinated debt
  • $0All other liabilities
  • $1,407Total equity capital
  • $1,407Total bank equity capital
  • $14,376Perpetual preferred stock
  • $0Common stock
  • $1,875Surplus
  • $4,125Undivided profits
  • Memoranda
  • $8,376Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $166Income earned, not collected on loans
  • $766Earning assets
  • $184,895Long-term assets (5+ years)
  • $11,727Average Assets, year-to-date
  • $212,459Average Assets, quarterly
  • $201,840Volatile liabilities
  • $24,792Insider loans
  • $3,055FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $7,515Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $14,376Total risk weighted assets
  • $133,328Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1993)

  • Dollar figures in thousands
  • $0Total interest income
  • $13,659Total interest expense
  • $5,400Net interest income
  • $8,259Provision for loan and lease losses
  • $420Total noninterest income
  • $1,735Fiduciary activities
  • $239Service charges on deposit accounts
  • $1,190Trading account gains & fees
  • $0Additional noninterest income
  • $306Total noninterest expense
  • $5,940Salaries and employee benefits
  • $2,948Premises and equipment expense
  • $630Additional noninterest expense
  • $2,362Pre-tax net operating income
  • $3,634Securities gains (losses)
  • -$7Applicable income taxes
  • $1,045Income before extraordinary items
  • $2,582Extraordinary gains - net
  • $0Net income attributable to bank
  • $2,582Net charge-offs
  • $161Cash dividends
  • $3,300Sale, 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
  • 7.02%Cost of funding earning assets
  • 2.78%Net interest margin
  • 4.25%Noninterest income to earning assets
  • 0.89%Noninterest expense to earning assets
  • 3.05%Net operating income to assets
  • 1.22%Return on assets (ROA)
  • 1.22%Pretax return on assets
  • 1.71%Return on equity (ROE)
  • 16.52%Retained earnings to average equity (YTD only)
  • -4.60%Net charge-offs to loans
  • 0.13%Credit loss provision to net charge-offs
  • 260.87%Efficiency ratio
  • 59,436Assets per employee
  • 1.95%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 127.81%Loss allowance to loans
  • 1.28%Loss allowance to noncurrent loans
  • 989.76%Noncurrent assets plus other real estate owned to assets
  • 0.09%Noncurrent loans to loans
  • 0.13%Net loans and leases to deposits
  • 71.29%Net loans and leases to core deposits
  • 75.50%Equity capital to assets
  • 6.83%Core capital (leverage) ratio
  • 7.39%Tier 1 risk-based capital ratio
  • 10.78%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $212,459Average earning assets
  • $15,625Average equity
  • $194,445Average loans

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