Community First Bank of Kentucky in Warsaw, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of June 25, 1999

  • Community First Bank of Kentucky in Warsaw, Kentucky (KY)
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Community First Bank of Kentucky - Overview

  • General
  • FDIC Certificate #: 10522
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Community First Bank, National Association (#6682)
    Federal Reserve ID: 707448
    Date Established: January 01, 1922
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Interstate: No)
    OTS Docket #: 11811
    FDIC's unique #: 6737
    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: June 25, 1999
    Last Structure Change Process Date: July 08, 1999
    Last Data Update: July 08, 1999
    Data Source Date: April 05, 2012
  • Location
  • Address: 301 East Main Street, Warsaw, KY 41095
    County: Gallatin
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Elizabethtown
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Cincinnati, OH-KY-IN (#1640)
    Consolidated Metropolitan Statistical Area (CMSA): Cincinnati-Hamilton, OH-KY-IN (#21)
    Combined Statistical Area (CSA): Cincinnati-Middletown-Wilmington, OH-KY-IN (#178)
    Core Based Statistical Area (CBSA): Cincinnati-Middletown, OH-KY-IN (#17140)
    CBSA Metro Statistical Area: Cincinnati-Middletown, OH-KY-IN (#17140)
  • Financial Summary
  • Total assets: $81.3 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, 1998)

  • Dollar figures in thousands
  • 26Total employees (full-time equivalent)
  • $85,657Total assets
  • $3,501Cash and due from depository institutions
  • $127Interest-bearing balances
  • $9,673Securities
  • $1,159Federal funds sold & reverse repurchase agreements
  • $68,946Net loans & leases
  • $860Loan loss allowance
  • $0Trading account assets
  • $1,032Bank premises and fixed assets
  • $0Other real estate owned
  • $471Goodwill and other intangibles
  • $0Life insurance assets
  • $875All other assets
  • $85,657Total liabilities and capital
  • $77,497Total liabilities
  • $72,976Total deposits
  • $58,763Interest-bearing deposits
  • $72,976Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $4,006Other borrowed funds
  • $0Subordinated debt
  • $515All other liabilities
  • $8,160Total equity capital
  • $8,160Total bank equity capital
  • $8,160Perpetual preferred stock
  • $0Common stock
  • $192Surplus
  • $5,074Undivided profits
  • Memoranda
  • $2,894Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $533Earning assets
  • $0Long-term assets (5+ years)
  • $735Average Assets, year-to-date
  • $79,905Average Assets, quarterly
  • $9,911Volatile liabilities
  • $83,914Insider loans
  • $85,131FHLB advances
  • $8,711Loans and leases held for sale
  • $1,935Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $4,825Total unused commitments
  • $0Restructured Loans and leases
  • $68,162Derivatives

Income and Expense (December 31, 1998)

  • Dollar figures in thousands
  • $7,226Total interest income
  • $2,819Total interest expense
  • $4,407Net interest income
  • $94Provision for loan and lease losses
  • $645Total noninterest income
  • $0Fiduciary activities
  • $470Service charges on deposit accounts
  • $0Trading account gains & fees
  • $175Additional noninterest income
  • $2,507Total noninterest expense
  • $1,263Salaries and employee benefits
  • $272Premises and equipment expense
  • $972Additional noninterest expense
  • $2,451Pre-tax net operating income
  • -$1Securities gains (losses)
  • $841Applicable income taxes
  • $1,609Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,609Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $11Sale, conversion, retirement of capital stock, net
  • $1,525Net operating income

Performance and Condition Ratios (December 31, 1998)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 9.17%Yield on earning assets
  • 3.58%Cost of funding earning assets
  • 5.59%Net interest margin
  • 0.82%Noninterest income to earning assets
  • 3.18%Noninterest expense to earning assets
  • 1.92%Net operating income to assets
  • 1.92%Return on assets (ROA)
  • 2.92%Pretax return on assets
  • 19.72%Return on equity (ROE)
  • 1.03%Retained earnings to average equity (YTD only)
  • 0.02%Net charge-offs to loans
  • 854.55%Credit loss provision to net charge-offs
  • 231.36%Efficiency ratio
  • 48,773Assets per employee
  • 3.29%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 94.78%Loss allowance to loans
  • 1.23%Loss allowance to noncurrent loans
  • 161.35%Noncurrent assets plus other real estate owned to assets
  • 0.62%Noncurrent loans to loans
  • 0.76%Net loans and leases to deposits
  • 94.48%Net loans and leases to core deposits
  • 107.01%Equity capital to assets
  • 9.53%Core capital (leverage) ratio
  • 9.39%Tier 1 risk-based capital ratio
  • 11.14%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $83,914Average earning assets
  • $8,161Average equity
  • $78,778Average loans

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