First State Bank in Greenville, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 07, 1999

  • First State Bank in Greenville, Kentucky (KY)
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First State Bank - Overview

  • General
  • FDIC Certificate #: 2747
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Old National Bank (#4393)
    Federal Reserve ID: 521242
    Date Established: June 10, 1890
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Interstate: No)
    OTS Docket #: 11107
    FDIC's unique #: 1785
    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 07, 1999
    Last Structure Change Process Date: November 03, 1999
    Last Data Update: November 03, 1999
    Data Source Date: April 05, 2012
  • Location
  • Address: 131 East Main Cross, Greenville, KY 42345
    County: Muhlenberg
    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
    Core Based Statistical Area (CBSA): Central City, KY (#16420)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $237.7 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, 1998)

  • Dollar figures in thousands
  • 72Total employees (full-time equivalent)
  • $241,067Total assets
  • $5,067Cash and due from depository institutions
  • $15Interest-bearing balances
  • $70,582Securities
  • $16,925Federal funds sold & reverse repurchase agreements
  • $143,580Net loans & leases
  • $1,497Loan loss allowance
  • $0Trading account assets
  • $2,213Bank premises and fixed assets
  • $33Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $2,667All other assets
  • $241,067Total liabilities and capital
  • $222,583Total liabilities
  • $175,201Total deposits
  • $155,963Interest-bearing deposits
  • $175,201Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $7,712Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $36,891Other borrowed funds
  • $0Subordinated debt
  • $2,779All other liabilities
  • $18,484Total equity capital
  • $18,484Total bank equity capital
  • $18,484Perpetual preferred stock
  • $0Common stock
  • $2,000Surplus
  • $8,000Undivided profits
  • Memoranda
  • $8,484Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $618Earning assets
  • $0Long-term assets (5+ years)
  • $990Average Assets, year-to-date
  • $231,102Average Assets, quarterly
  • $74,840Volatile liabilities
  • $218,964Insider loans
  • $228,849FHLB advances
  • $55,199Loans and leases held for sale
  • $9,797Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $14,573Total unused commitments
  • $0Restructured Loans and leases
  • $133,405Derivatives

Income and Expense (December 31, 1998)

  • Dollar figures in thousands
  • $15,908Total interest income
  • $7,938Total interest expense
  • $7,970Net interest income
  • $134Provision for loan and lease losses
  • $1,715Total noninterest income
  • $39Fiduciary activities
  • $887Service charges on deposit accounts
  • $0Trading account gains & fees
  • $789Additional noninterest income
  • $5,400Total noninterest expense
  • $2,782Salaries and employee benefits
  • $200Premises and equipment expense
  • $2,418Additional noninterest expense
  • $4,151Pre-tax net operating income
  • $0Securities gains (losses)
  • $1,120Applicable income taxes
  • $3,031Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,031Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $134Sale, conversion, retirement of capital stock, net
  • $3,275Net operating income

Performance and Condition Ratios (December 31, 1998)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.56%Yield on earning assets
  • 3.77%Cost of funding earning assets
  • 3.79%Net interest margin
  • 0.82%Noninterest income to earning assets
  • 2.57%Noninterest expense to earning assets
  • 1.38%Net operating income to assets
  • 1.38%Return on assets (ROA)
  • 1.90%Pretax return on assets
  • 16.53%Return on equity (ROE)
  • -1.33%Retained earnings to average equity (YTD only)
  • 0.10%Net charge-offs to loans
  • 100.00%Credit loss provision to net charge-offs
  • 31.98%Efficiency ratio
  • 55,756Assets per employee
  • 3.35%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 108.05%Loss allowance to loans
  • 1.03%Loss allowance to noncurrent loans
  • 242.23%Noncurrent assets plus other real estate owned to assets
  • 0.27%Noncurrent loans to loans
  • 0.43%Net loans and leases to deposits
  • 81.95%Net loans and leases to core deposits
  • 97.62%Equity capital to assets
  • 7.67%Core capital (leverage) ratio
  • 7.82%Tier 1 risk-based capital ratio
  • 13.29%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $218,964Average earning assets
  • $18,334Average equity
  • $210,352Average loans

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