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