Farmers Bank, National Association in Owensboro, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of December 11, 1998

  • Farmers Bank, National Association in Owensboro, Kentucky (KY)
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Farmers Bank, National Association - Overview

  • General
  • FDIC Certificate #: 12147
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Old National Bank (#4393)
    Federal Reserve ID: 550242
    Date Established: January 01, 1900
    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 #: 11096
    FDIC's unique #: 7716
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Oakar Institutions: Yes
    State Chartered: No
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: December 11, 1998
    Last Structure Change Process Date: Febuary 03, 1999
    Last Data Update: Febuary 03, 1999
    Data Source Date: April 05, 2012
  • Location
  • Address: 208 West Third Street, Owensboro, KY 42303
    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: $223.9 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
  • 78Total employees (full-time equivalent)
  • $223,006Total assets
  • $5,996Cash and due from depository institutions
  • $7Interest-bearing balances
  • $38,005Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $172,566Net loans & leases
  • $1,655Loan loss allowance
  • $0Trading account assets
  • $2,803Bank premises and fixed assets
  • $246Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $3,390All other assets
  • $223,006Total liabilities and capital
  • $203,927Total liabilities
  • $150,715Total deposits
  • $129,493Interest-bearing deposits
  • $150,715Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $28,570Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $22,000Other borrowed funds
  • $0Subordinated debt
  • $2,642All other liabilities
  • $19,079Total equity capital
  • $19,079Total bank equity capital
  • $19,079Perpetual preferred stock
  • $0Common stock
  • $1,000Surplus
  • $10,640Undivided profits
  • Memoranda
  • $7,439Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $718Earning assets
  • $0Long-term assets (5+ years)
  • $1,400Average Assets, year-to-date
  • $210,578Average Assets, quarterly
  • $60,136Volatile liabilities
  • $215,382Insider loans
  • $219,003FHLB advances
  • $58,386Loans and leases held for sale
  • $1,149Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $22,505Total unused commitments
  • $0Restructured Loans and leases
  • $155,182Derivatives

Income and Expense (December 31, 1997)

  • Dollar figures in thousands
  • $17,333Total interest income
  • $7,924Total interest expense
  • $9,409Net interest income
  • $815Provision for loan and lease losses
  • $1,107Total noninterest income
  • $32Fiduciary activities
  • $554Service charges on deposit accounts
  • $0Trading account gains & fees
  • $521Additional noninterest income
  • $5,787Total noninterest expense
  • $2,841Salaries and employee benefits
  • $543Premises and equipment expense
  • $2,403Additional noninterest expense
  • $3,914Pre-tax net operating income
  • $2Securities gains (losses)
  • $1,230Applicable income taxes
  • $2,686Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,686Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $478Sale, conversion, retirement of capital stock, net
  • $3,029Net operating income

Performance and Condition Ratios (December 31, 1997)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.55%Yield on earning assets
  • 3.91%Cost of funding earning assets
  • 4.64%Net interest margin
  • 0.55%Noninterest income to earning assets
  • 2.86%Noninterest expense to earning assets
  • 1.25%Net operating income to assets
  • 1.25%Return on assets (ROA)
  • 1.82%Pretax return on assets
  • 14.09%Return on equity (ROE)
  • -1.80%Retained earnings to average equity (YTD only)
  • 0.29%Net charge-offs to loans
  • 170.50%Credit loss provision to net charge-offs
  • 9.89%Efficiency ratio
  • 55,030Assets per employee
  • 2.86%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 112.77%Loss allowance to loans
  • 0.95%Loss allowance to noncurrent loans
  • 230.50%Noncurrent assets plus other real estate owned to assets
  • 0.43%Noncurrent loans to loans
  • 0.41%Net loans and leases to deposits
  • 114.50%Net loans and leases to core deposits
  • 133.88%Equity capital to assets
  • 8.56%Core capital (leverage) ratio
  • 8.52%Tier 1 risk-based capital ratio
  • 12.06%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $215,382Average earning assets
  • $19,069Average equity
  • $202,639Average loans

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