Fifth Third Bank, Kentucky, Inc. in Louisville, Kentucky (KY)

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Fifth Third Bank, Kentucky, Inc.
GeneralFDIC Certificate #: 14099
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Fifth Third Bank (#993)
Federal Reserve ID: 499613
Date Established: January 01, 1934
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 63 (Interstate: No)
OTS Docket #: 11703
FDIC's unique #: 8811
Numeric code: 13
Regulator: FED
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
Oakar Institutions: Yes
State Chartered: Yes
Date of Deposit Insurance: March 22, 1934
Last Structure Change Effective Date: December 31, 2003
Last Structure Change Process Date: January 14, 2004
Last Data Update: January 14, 2004
Data Source Date: April 05, 2012
LocationAddress: 401 South Fourth Avenue, Louisville, KY 40202
County: Jefferson
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): Louisville, KY-IN (#4520)
Combined Statistical Area (CSA): Louisville-Jefferson County-Elizabethtown-Scottsburg, KY-IN (#350)
Core Based Statistical Area (CBSA): Louisville-Jefferson County, KY-IN (#31140)
CBSA Metro Statistical Area: Louisville-Jefferson County, KY-IN (#31140)
Financial SummaryTotal assets: $2,627.2 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 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, 2002)
(Dollar figures in thousands)
Total employees (full-time equivalent)736
Total assets$2,647,755
Cash and due from depository institutions$100,079
Interest-bearing balances$1,000
Federal funds sold & reverse repurchase agreements$320,120
Net loans & leases$1,318,075
Loan loss allowance $19,813
Trading account assets$0
Bank premises and fixed assets$40,386
Other real estate owned$0
Goodwill and other intangibles$3,006
All other assets$57,176
Life insurance assets$0
Total liabilities and capital$2,647,755
Total liabilities$2,393,266
Total deposits$2,007,459
Interest-bearing deposits$1,833,961
Deposits held in domestic offices$2,007,459
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $333,709
Trading liabilities$0
Other borrowed funds $30,000
Subordinated debt $0
All other liabilities $22,098
Total equity capital$254,489
Total bank equity capital$254,489
Perpetual preferred stock$254,489
Common stock$0
Undivided profits $106,118
Noncurrent loans and leases $147,971
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $828,872
Income earned, not collected on loans $0
Earning assets $4,483
Long-term assets (5+ years) $25
Average Assets, year-to-date $12,155
Average Assets, quarterly $2,448,108
Volatile liabilities $874,725
Insider loans $2,560,295
FHLB advances $2,628,188
Loans and leases held for sale $409,650
Unused loan commitments $55,211
Tier 1 (core) risk-based capital $30,000
Tier 2 risk-based capital $295,698
Total risk weighted assets $0
Total unused commitments $828,872
Restructured Loans and leases $0
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Income and Expense (December 31, 2002)
(Dollar figures in thousands)
Total interest income $144,148
Total interest expense $39,221
Net interest income $104,927
Provision for loan and lease losses $5,601
Total noninterest income $63,346
Fiduciary activities $5,634
Service charges on deposit accounts $26,966
Trading account gains & fees $0
Additional noninterest income $30,746
Total noninterest expense $86,246
Salaries and employee benefits $40,008
Premises and equipment expense $8,940
Additional noninterest expense $37,298
Pre-tax net operating income $76,426
Securities gains (losses) $5,563
Applicable income taxes $28,374
Income before extraordinary items $53,615
Extraordinary gains - net $0
Net income attributable to bank $53,615
Net charge-offs $0
Cash dividends $0
Sale, conversion, retirement of capital stock, net $3,477
Net operating income $18,750
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Performance and Condition Ratios (December 31, 2002)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets6.15%
Cost of funding earning assets 1.67%
Net interest margin 4.47%
Noninterest income to earning assets 2.70%
Noninterest expense to earning assets 3.68%
Net operating income to assets 1.95%
Return on assets (ROA) 2.09%
Pretax return on assets 3.20%
Return on equity (ROE) 23.99%
Retained earnings to average equity (YTD only) 15.60%
Net charge-offs to loans 0.28%
Credit loss provision to net charge-offs 161.09%
Efficiency ratio23.59%
Assets per employee$51,254
Cash dividends to net income (YTD only)3.60%
Condition Ratios (%)
Loss allowance to loans 34.97%
Loss allowance to noncurrent loans 1.48%
Noncurrent assets plus other real estate owned to assets 441.96%
Noncurrent loans to loans 0.17%
Net loans and leases to deposits0.34%
Net loans and leases to core deposits 65.66%
Equity capital to assets 67.20%
Core capital (leverage) ratio 9.61%
Tier 1 risk-based capital ratio 9.05%
Total risk-based capital ratio 9.31%
Average assets$10
Average earning assets$2,560,295
Average equity $223,461
Average loans $2,345,728
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Total Fiduciary and Related Assets (December 31, 2002)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$1,288,677
Number of Accounts1
Personal trust and agency accounts$1,055,336
Employee benefit-defined contribution accounts$76,956
Employee benefit-defined benefit accounts$128,056
Other retirement accounts$95,595
Corporate trust and agency accounts$46,085
Investment management agency accounts$65,961
Other fiduciary accounts$577,953
Fiduciary accounts held in foreign offices$0
Non-managed Assets$64,730
Number of Accounts2262
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$233,341
Corporate trust and agency accounts$29,858
Other fiduciary accounts$131,922
Fiduciary accounts held in foreign offices$15,143
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