FDIC Certificate #: 14199 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Community Trust Bank (#4420) Federal Reserve ID: 214245 Date Established: June 21, 1908 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 2 (Interstate: No) OTS Docket #: 14235 FDIC's unique #: 8865 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 01, 1998 Last Structure Change Process Date: June 26, 1998 Last Data Update: June 26, 1998 Data Source Date: April 05, 2012
Location
Address: Main Street, Francisco, IN 47649 County: Gibson Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Chicago FDIC Field Office: Indianapolis Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: Central Core Based Statistical Area (CBSA): Evansville, IN-KY (#21780) CBSA Metro Statistical Area: Evansville, IN-KY (#21780)
Financial Summary
Total assets: $15.7 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Assets and Liabilities (December 31, 1997)
Dollar figures in thousands
11Total employees (full-time equivalent)
$15,746Total assets
$743Cash and due from depository institutions
$48Interest-bearing balances
$2,160Securities
$2,215Federal funds sold & reverse repurchase agreements
$9,981Net loans & leases
$80Loan loss allowance
$0Trading account assets
$354Bank premises and fixed assets
$45Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$248All other assets
$15,746Total liabilities and capital
$14,300Total liabilities
$14,196Total deposits
$12,459Interest-bearing deposits
$14,196Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$104All other liabilities
$1,446Total equity capital
$1,446Total bank equity capital
$1,446Perpetual preferred stock
$0Common stock
$1Surplus
$819Undivided profits
Memoranda
$626Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$82Earning assets
$0Long-term assets (5+ years)
$142Average Assets, year-to-date
$14,404Average Assets, quarterly
$2,477Volatile liabilities
$15,405Insider loans
$15,709FHLB advances
$2,187Loans and leases held for sale
$320Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$506Total unused commitments
$0Restructured Loans and leases
$9,930Derivatives
Income and Expense (December 31, 1997)
Dollar figures in thousands
$1,156Total interest income
$561Total interest expense
$595Net interest income
$30Provision for loan and lease losses
$84Total noninterest income
$0Fiduciary activities
$70Service charges on deposit accounts
$0Trading account gains & fees
$14Additional noninterest income
$662Total noninterest expense
$361Salaries and employee benefits
$90Premises and equipment expense
$211Additional noninterest expense
-$13Pre-tax net operating income
$0Securities gains (losses)
-$10Applicable income taxes
-$3Income before extraordinary items
$0Extraordinary gains - net
-$3Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$52Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 1997)
Dollar figures in thousands
Performance Ratios (%, annualized)
8.13%Yield on earning assets
3.95%Cost of funding earning assets
4.19%Net interest margin
0.59%Noninterest income to earning assets
4.66%Noninterest expense to earning assets
-0.02%Net operating income to assets
-0.02%Return on assets (ROA)
-0.08%Pretax return on assets
-0.21%Return on equity (ROE)
-0.21%Retained earnings to average equity (YTD only)
0.49%Net charge-offs to loans
57.69%Credit loss provision to net charge-offs
0.33%Efficiency ratio
97,496Assets per employee
1.43%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.80%Loss allowance to noncurrent loans
97.56%Noncurrent assets plus other real estate owned to assets
0.81%Noncurrent loans to loans
0.82%Net loans and leases to deposits
70.31%Net loans and leases to core deposits
83.11%Equity capital to assets
9.18%Core capital (leverage) ratio
9.18%Tier 1 risk-based capital ratio
14.56%Total risk-based capital ratio
Memoranda
$15Average assets
$15,405Average earning assets
$1,445Average equity
$14,216Average loans
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