First Liberty Bank of Calvert City in Calvert City, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of November 17, 1994

  • First Liberty Bank of Calvert City in Calvert City, Kentucky (KY)
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First Liberty Bank of Calvert City - Overview

  • General
  • FDIC Certificate #: 19378
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Union Planters Bank of Kentucky, National Association (#2763)
    Federal Reserve ID: 978248
    Date Established: Febuary 08, 1965
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Interstate: No)
    FDIC's unique #: 13185
    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: Febuary 08, 1965
    Last Structure Change Effective Date: November 17, 1994
    Last Structure Change Process Date: November 29, 1994
    Last Data Update: November 29, 1994
    Data Source Date: April 05, 2012
  • Location
  • Address: Fifth Avenue, Calvert City, KY 42029
    County: Marshall
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Hopkinsville
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Southeast
  • Financial Summary
  • Total assets: $36.1 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $13Total assets
  • $34,524Cash and due from depository institutions
  • $877Interest-bearing balances
  • $0Securities
  • $12,164Federal funds sold & reverse repurchase agreements
  • $1,400Net loans & leases
  • $19,027Loan loss allowance
  • $381Trading account assets
  • $0Bank premises and fixed assets
  • $727Other real estate owned
  • $0Goodwill and other intangibles
  • $329Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $34,524Total liabilities
  • $31,911Total deposits
  • $31,285Interest-bearing deposits
  • $28,317Deposits held in domestic offices
  • 31285.00%% insured (estimated)
  • $91Federal funds purchased & repurchase agreements
  • $498Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $128Total equity capital
  • $128Total bank equity capital
  • $2,613Perpetual preferred stock
  • $0Common stock
  • $400Surplus
  • $700Undivided profits
  • Memoranda
  • $1,513Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $53Income earned, not collected on loans
  • $99Earning assets
  • $32,591Long-term assets (5+ years)
  • $4,781Average Assets, year-to-date
  • $33,435Average Assets, quarterly
  • $34,895Volatile liabilities
  • $2,472Insider loans
  • $1,093FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $694Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $2,610Total risk weighted assets
  • $18,620Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1993)

  • Dollar figures in thousands
  • $0Total interest income
  • $2,416Total interest expense
  • $1,013Net interest income
  • $1,403Provision for loan and lease losses
  • $39Total noninterest income
  • $169Fiduciary activities
  • $0Service charges on deposit accounts
  • $130Trading account gains & fees
  • $0Additional noninterest income
  • $39Total noninterest expense
  • $910Salaries and employee benefits
  • $314Premises and equipment expense
  • $121Additional noninterest expense
  • $475Pre-tax net operating income
  • $623Securities gains (losses)
  • $1Applicable income taxes
  • $200Income before extraordinary items
  • $424Extraordinary gains - net
  • $0Net income attributable to bank
  • $424Net charge-offs
  • $7Cash dividends
  • $300Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1993)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.68%Cost of funding earning assets
  • 3.22%Net interest margin
  • 4.46%Noninterest income to earning assets
  • 0.54%Noninterest expense to earning assets
  • 2.89%Net operating income to assets
  • 1.27%Return on assets (ROA)
  • 1.27%Pretax return on assets
  • 1.87%Return on equity (ROE)
  • 16.47%Retained earnings to average equity (YTD only)
  • 4.82%Net charge-offs to loans
  • 0.04%Credit loss provision to net charge-offs
  • 557.14%Efficiency ratio
  • 57,888Assets per employee
  • 2.66%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 70.75%Loss allowance to loans
  • 1.96%Loss allowance to noncurrent loans
  • 718.87%Noncurrent assets plus other real estate owned to assets
  • 0.15%Noncurrent loans to loans
  • 0.27%Net loans and leases to deposits
  • 60.82%Net loans and leases to core deposits
  • 64.91%Equity capital to assets
  • 7.57%Core capital (leverage) ratio
  • 7.60%Tier 1 risk-based capital ratio
  • 14.02%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $33,435Average earning assets
  • $2,575Average equity
  • $31,475Average loans

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