First American National Bank of Kentucky in city_name, state_name

First American National Bank of Kentucky in Bowling Green, Kentucky (KY)
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First American National Bank of Kentucky - Overview

General
FDIC Certificate #: 28825
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: First American National Bank (#4956)
Federal Reserve ID: 579579
Date Established: January 01, 1928
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 4 (Interstate: No)
OTS Docket #: 2437
FDIC's unique #: 41659
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
SAIF Insured: Yes
State Chartered: No
Date of Deposit Insurance: December 31, 1934
Last Structure Change Effective Date: July 01, 1997
Last Structure Change Process Date: July 22, 1997
Last Data Update: July 22, 1997
Data Source Date: April 05, 2012
Location
Address: Tenth And Chestnut, Bowling Green, KY 42101
County: Warren
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Dallas
FDIC Field Office: Hopkinsville
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Southeast
Core Based Statistical Area (CBSA): Bowling Green, KY (#14540)
CBSA Metro Statistical Area: Bowling Green, KY (#14540)
Financial Summary
Total assets: $287.4 mil

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

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

Dollar figures in thousands
0Total employees (full-time equivalent)
$45Total assets
$290,823Cash and due from depository institutions
$4,066Interest-bearing balances
$13Securities
$88,713Federal funds sold & reverse repurchase agreements
$0Net loans & leases
$184,542Loan loss allowance
$966Trading account assets
$0Bank premises and fixed assets
$4,354Other real estate owned
$0Goodwill and other intangibles
$3,389Life insurance assets
$5,759All other assets
$0Total liabilities and capital
$290,823Total liabilities
$260,907Total deposits
$196,076Interest-bearing deposits
$186,622Deposits held in domestic offices
196076.00%% insured (estimated)
$91Federal funds purchased & repurchase agreements
$1,229Trading liabilities
$0Other borrowed funds
$59,276Subordinated debt
$0All other liabilities
$4,326Total equity capital
$4,326Total bank equity capital
$29,916Perpetual preferred stock
$0Common stock
$518Surplus
$26,983Undivided profits
Memoranda
$2,415Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$842Income earned, not collected on loans
$1,142Earning assets
$273,268Long-term assets (5+ years)
$73,135Average Assets, year-to-date
$283,934Average Assets, quarterly
$289,105Volatile liabilities
$78,649Insider loans
$565FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$13,570Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$24,282Total risk weighted assets
$153,183Total unused commitments
$0Restructured Loans and leases
$15,000Derivatives

Income and Expense (December 31, 1996)

Dollar figures in thousands
$0Total interest income
$16,921Total interest expense
$10,206Net interest income
$6,715Provision for loan and lease losses
$0Total noninterest income
$1,416Fiduciary activities
$0Service charges on deposit accounts
$839Trading account gains & fees
$0Additional noninterest income
$577Total noninterest expense
$6,325Salaries and employee benefits
$1,765Premises and equipment expense
$404Additional noninterest expense
$4,156Pre-tax net operating income
$1,806Securities gains (losses)
$0Applicable income taxes
$546Income before extraordinary items
$1,260Extraordinary gains - net
$0Net income attributable to bank
$1,260Net charge-offs
$164Cash dividends
$586Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1996)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
6.34%Cost of funding earning assets
3.82%Net interest margin
2.52%Noninterest income to earning assets
0.53%Noninterest expense to earning assets
2.37%Net operating income to assets
0.44%Return on assets (ROA)
0.44%Pretax return on assets
0.64%Return on equity (ROE)
4.27%Retained earnings to average equity (YTD only)
2.28%Net charge-offs to loans
0.09%Credit loss provision to net charge-offs
0.00%Efficiency ratio
67,544Assets per employee
6.46%Cash dividends to net income (YTD only)
Condition Ratios (%)
46.51%Loss allowance to loans
0.52%Loss allowance to noncurrent loans
114.73%Noncurrent assets plus other real estate owned to assets
0.29%Noncurrent loans to loans
0.45%Net loans and leases to deposits
94.12%Net loans and leases to core deposits
104.46%Equity capital to assets
10.29%Core capital (leverage) ratio
10.09%Tier 1 risk-based capital ratio
15.85%Total risk-based capital ratio
Memoranda
$16Average assets
$283,934Average earning assets
$29,517Average equity
$266,925Average loans

First American National Bank of Kentucky in Bowling Green, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

First American National Bank of Kentucky - Overview

Assets and Liabilities (December 31, 1996)

Income and Expense (December 31, 1996)

Performance and Condition Ratios (December 31, 1996)

Comment about this bank, ask questions, or add new information about it:

First American National Bank of Kentucky in Bowling Green, Kentucky (KY)Overview, Financial Summary, Detailed Financial Reports, Branches

First American National Bank of Kentucky - Overview

Assets and Liabilities (December 31, 1996)

Income and Expense (December 31, 1996)

Performance and Condition Ratios (December 31, 1996)

Comment about this bank, ask questions, or add new information about it:

First American National Bank of Kentucky in Bowling Green, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches