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

Show street view No street view available for this location
Table of contents:
First American National Bank of Kentucky
GeneralFDIC 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
LocationAddress: 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 SummaryTotal 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)
Total employees (full-time equivalent)0
Total assets$45
Cash and due from depository institutions$290,823
Interest-bearing balances$4,066
Federal funds sold & reverse repurchase agreements$88,713
Net loans & leases$0
Loan loss allowance $184,542
Trading account assets$966
Bank premises and fixed assets$0
Other real estate owned$4,354
Goodwill and other intangibles$0
All other assets$5,759
Life insurance assets$3,389
Total liabilities and capital$0
Total liabilities$290,823
Total deposits$260,907
Interest-bearing deposits$196,076
Deposits held in domestic offices$186,622
% insured (estimated)196076.00%
Federal funds purchased & repurchase agreements $91
Trading liabilities$1,229
Other borrowed funds $0
Subordinated debt $59,276
All other liabilities $0
Total equity capital$4,326
Total bank equity capital$4,326
Perpetual preferred stock$29,916
Common stock$0
Undivided profits $26,983
Noncurrent loans and leases $2,415
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $842
Earning assets $1,142
Long-term assets (5+ years) $273,268
Average Assets, year-to-date $73,135
Average Assets, quarterly $283,934
Volatile liabilities $289,105
Insider loans $78,649
FHLB advances $565
Loans and leases held for sale $0
Unused loan commitments $0
Tier 1 (core) risk-based capital $13,570
Tier 2 risk-based capital $0
Total risk weighted assets $24,282
Total unused commitments $153,183
Restructured Loans and leases $0
Back to page top, Back to table top

Income and Expense (December 31, 1996)
(Dollar figures in thousands)
Total interest income $0
Total interest expense $16,921
Net interest income $10,206
Provision for loan and lease losses $6,715
Total noninterest income $0
Fiduciary activities $1,416
Service charges on deposit accounts $0
Trading account gains & fees $839
Additional noninterest income $0
Total noninterest expense $577
Salaries and employee benefits $6,325
Premises and equipment expense $1,765
Additional noninterest expense $404
Pre-tax net operating income $4,156
Securities gains (losses) $1,806
Applicable income taxes $0
Income before extraordinary items $546
Extraordinary gains - net $1,260
Net income attributable to bank $0
Net charge-offs $1,260
Cash dividends $164
Sale, conversion, retirement of capital stock, net $586
Net operating income $0
Back to page top, Back to table top

Performance and Condition Ratios (December 31, 1996)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets0.00%
Cost of funding earning assets 6.34%
Net interest margin 3.82%
Noninterest income to earning assets 2.52%
Noninterest expense to earning assets 0.53%
Net operating income to assets 2.37%
Return on assets (ROA) 0.44%
Pretax return on assets 0.44%
Return on equity (ROE) 0.64%
Retained earnings to average equity (YTD only) 4.27%
Net charge-offs to loans 2.28%
Credit loss provision to net charge-offs 0.09%
Efficiency ratio0.00%
Assets per employee$67,544
Cash dividends to net income (YTD only)6.46%
Condition Ratios (%)
Loss allowance to loans 46.51%
Loss allowance to noncurrent loans 0.52%
Noncurrent assets plus other real estate owned to assets 114.73%
Noncurrent loans to loans 0.29%
Net loans and leases to deposits0.45%
Net loans and leases to core deposits 94.12%
Equity capital to assets 104.46%
Core capital (leverage) ratio 10.29%
Tier 1 risk-based capital ratio 10.09%
Total risk-based capital ratio 15.85%
Average assets$16
Average earning assets$283,934
Average equity $29,517
Average loans $266,925
Back to page top, Back to table top

User Contributions:

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


This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with First American National Bank of Kentucky.
Based on public records. Inadvertent errors are possible. does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.