Fort Thomas Savings Bank, F.S.B. in Fort Thomas, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of June 15, 2000

  • Fort Thomas Savings Bank, F.S.B. in Fort Thomas, Kentucky (KY)
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Fort Thomas Savings Bank, F.S.B. - Overview

  • General
  • FDIC Certificate #: 30736
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: The Bank of Kentucky, Inc. (#33022)
    Federal Reserve ID: 368474
    Date Established: January 01, 1910
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 5829
    FDIC's unique #: 43570
    Numeric code: 33
    Regulator: OTS
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    FDIC Insured: Yes
    SAIF Insured: Yes
    Insured Savings Institution: Yes
    State Chartered: No
    Date of Deposit Insurance: April 18, 1957
    Last Structure Change Effective Date: June 15, 2000
    Last Structure Change Process Date: June 29, 2000
    Last Data Update: June 29, 2000
    Data Source Date: April 05, 2012
  • Location
  • Address: 25 N Ft Thomas Ave, Fort Thomas, KY 41075
    County: Campbell
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Lexington
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Cincinnati, OH-KY-IN (#1640)
    Consolidated Metropolitan Statistical Area (CMSA): Cincinnati-Hamilton, OH-KY-IN (#21)
    Combined Statistical Area (CSA): Cincinnati-Middletown-Wilmington, OH-KY-IN (#178)
    Core Based Statistical Area (CBSA): Cincinnati-Middletown, OH-KY-IN (#17140)
    CBSA Metro Statistical Area: Cincinnati-Middletown, OH-KY-IN (#17140)
  • Financial Summary
  • Total assets: $98.4 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
  • 21Total employees (full-time equivalent)
  • $98,731Total assets
  • $633Cash and due from depository institutions
  • $109Interest-bearing balances
  • $5,506Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $88,376Net loans & leases
  • $490Loan loss allowance
  • $0Trading account assets
  • $579Bank premises and fixed assets
  • $430Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $3,207All other assets
  • $98,731Total liabilities and capital
  • $85,851Total liabilities
  • $67,392Total deposits
  • $67,086Interest-bearing deposits
  • $67,392Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $17,186Other borrowed funds
  • $0Subordinated debt
  • $1,273All other liabilities
  • $12,880Total equity capital
  • $12,880Total bank equity capital
  • $12,880Perpetual preferred stock
  • $0Common stock
  • $1Surplus
  • $7,499Undivided profits
  • Memoranda
  • $5,380Noncurrent loans and leases
  • $5,615Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $2,828Earning assets
  • $0Long-term assets (5+ years)
  • $717Average Assets, year-to-date
  • $93,991Average Assets, quarterly
  • $0Volatile liabilities
  • $100,459Insider loans
  • $98,736FHLB advances
  • $24,149Loans and leases held for sale
  • $29Unused loan commitments
  • $17,186Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $5,615Total unused commitments
  • $430Restructured Loans and leases
  • $490Derivatives

Income and Expense (December 31, 1999)

  • Dollar figures in thousands
  • $8,045Total interest income
  • $4,336Total interest expense
  • $3,709Net interest income
  • $68Provision for loan and lease losses
  • $271Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $271Additional noninterest income
  • $2,204Total noninterest expense
  • $1,280Salaries and employee benefits
  • $197Premises and equipment expense
  • $727Additional noninterest expense
  • $1,708Pre-tax net operating income
  • $0Securities gains (losses)
  • $558Applicable income taxes
  • $1,150Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,150Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $117Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1999)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.36%Yield on earning assets
  • 4.50%Cost of funding earning assets
  • 3.85%Net interest margin
  • 0.28%Noninterest income to earning assets
  • 2.29%Noninterest expense to earning assets
  • 1.14%Net operating income to assets
  • 1.14%Return on assets (ROA)
  • 1.70%Pretax return on assets
  • 9.31%Return on equity (ROE)
  • 9.31%Retained earnings to average equity (YTD only)
  • 0.13%Net charge-offs to loans
  • 58.12%Credit loss provision to net charge-offs
  • 15.18%Efficiency ratio
  • 55,377Assets per employee
  • 4.70%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.55%Loss allowance to noncurrent loans
  • 17.33%Noncurrent assets plus other real estate owned to assets
  • 3.30%Noncurrent loans to loans
  • 3.18%Net loans and leases to deposits
  • 131.14%Net loans and leases to core deposits
  • 146.25%Equity capital to assets
  • 13.05%Core capital (leverage) ratio
  • 13.05%Tier 1 risk-based capital ratio
  • 19.94%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $100,459Average earning assets
  • $12,358Average equity
  • $96,268Average loans

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