First City Bank and Trust Company in Hopkinsville, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 02, 2000

  • First City Bank and Trust Company in Hopkinsville, Kentucky (KY)
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First City Bank and Trust Company - Overview

  • General
  • FDIC Certificate #: 12148
    Status: Inactive
    Closing history: Office Sold
    Acquiring institution: (#14876)
    Federal Reserve ID: 622644
    Date Established: January 01, 1880
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 10 (Interstate: No)
    OTS Docket #: 9872
    FDIC's unique #: 7717
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: October 02, 2000
    Last Structure Change Process Date: November 22, 2000
    Last Data Update: November 22, 2000
    Data Source Date: April 05, 2012
  • Location
  • Address: South Virginia And 10th Streets, Hopkinsville, KY 42240
    County: Christian
    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
    Metropolitan Statistical Area (MSA): Clarksville-Hopkinsville, TN-KY (#1660)
    Core Based Statistical Area (CBSA): Clarksville, TN-KY (#17300)
    CBSA Metro Statistical Area: Clarksville, TN-KY (#17300)
  • History of Changes
  • Merger - Without Assistance
    Office Sold
  • Financial Summary
  • Total assets: $427.4 mil

1992 - 1999 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, 1999)

  • Dollar figures in thousands
  • 146Total employees (full-time equivalent)
  • $405,167Total assets
  • $14,026Cash and due from depository institutions
  • $144Interest-bearing balances
  • $83,369Securities
  • $435Federal funds sold & reverse repurchase agreements
  • $277,188Net loans & leases
  • $2,977Loan loss allowance
  • $0Trading account assets
  • $5,895Bank premises and fixed assets
  • $35Other real estate owned
  • $20,069Goodwill and other intangibles
  • $0Life insurance assets
  • $4,150All other assets
  • $405,167Total liabilities and capital
  • $357,274Total liabilities
  • $294,163Total deposits
  • $235,601Interest-bearing deposits
  • $294,163Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $40,336Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $20,421Other borrowed funds
  • $0Subordinated debt
  • $2,354All other liabilities
  • $47,893Total equity capital
  • $47,893Total bank equity capital
  • $47,893Perpetual preferred stock
  • $0Common stock
  • $1,000Surplus
  • $43,700Undivided profits
  • Memoranda
  • $3,193Noncurrent loans and leases
  • $50,873Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $96Earning assets
  • $0Long-term assets (5+ years)
  • $1,818Average Assets, year-to-date
  • $361,136Average Assets, quarterly
  • $91,313Volatile liabilities
  • $402,339Insider loans
  • $402,029FHLB advances
  • $90,696Loans and leases held for sale
  • $7,216Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $50,873Total unused commitments
  • $0Restructured Loans and leases
  • $2,977Derivatives

Income and Expense (December 31, 1999)

  • Dollar figures in thousands
  • $27,462Total interest income
  • $12,404Total interest expense
  • $15,058Net interest income
  • $170Provision for loan and lease losses
  • $4,953Total noninterest income
  • $1,166Fiduciary activities
  • $2,247Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,540Additional noninterest income
  • $10,754Total noninterest expense
  • $4,596Salaries and employee benefits
  • $1,352Premises and equipment expense
  • $4,806Additional noninterest expense
  • $9,087Pre-tax net operating income
  • $24Securities gains (losses)
  • $3,208Applicable income taxes
  • $5,903Income before extraordinary items
  • $0Extraordinary gains - net
  • $5,903Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $431Sale, conversion, retirement of capital stock, net
  • $8,800Net operating income

Performance and Condition Ratios (December 31, 1999)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.69%Yield on earning assets
  • 3.47%Cost of funding earning assets
  • 4.22%Net interest margin
  • 1.39%Noninterest income to earning assets
  • 3.01%Noninterest expense to earning assets
  • 1.46%Net operating income to assets
  • 1.47%Return on assets (ROA)
  • 2.26%Pretax return on assets
  • 12.16%Return on equity (ROE)
  • -5.97%Retained earnings to average equity (YTD only)
  • 0.16%Net charge-offs to loans
  • 39.44%Credit loss provision to net charge-offs
  • 21.48%Efficiency ratio
  • 47,799Assets per employee
  • 2.78%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 149.08%Loss allowance to loans
  • 1.06%Loss allowance to noncurrent loans
  • 3101.04%Noncurrent assets plus other real estate owned to assets
  • 0.03%Noncurrent loans to loans
  • 0.03%Net loans and leases to deposits
  • 94.23%Net loans and leases to core deposits
  • 104.96%Equity capital to assets
  • 11.82%Core capital (leverage) ratio
  • 7.39%Tier 1 risk-based capital ratio
  • 10.94%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $402,339Average earning assets
  • $48,537Average equity
  • $356,984Average loans

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