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

This bank is inactive as of July 01, 1997

  • 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

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