Fulton Bank in Fulton, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of November 13, 2001

  • Fulton Bank in Fulton, Kentucky (KY)
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Fulton Bank - Overview

  • General
  • FDIC Certificate #: 16338
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Reelfoot Bank (#9199)
    Federal Reserve ID: 508748
    Date Established: November 27, 1945
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Interstate: No)
    OTS Docket #: 10832
    FDIC's unique #: 10522
    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: November 27, 1945
    Last Structure Change Effective Date: November 13, 2001
    Last Structure Change Process Date: January 17, 2002
    Last Data Update: January 17, 2002
    Data Source Date: April 05, 2012
  • Location
  • Address: One Bankers Plaza, Fulton, KY 42041
    County: Fulton
    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
    Combined Statistical Area (CSA): Union City-Martin, TN-KY (#542)
    Core Based Statistical Area (CBSA): Union City, TN-KY (#46460)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $54.4 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, 2000)

  • Dollar figures in thousands
  • 22Total employees (full-time equivalent)
  • $55,166Total assets
  • $1,976Cash and due from depository institutions
  • $174Interest-bearing balances
  • $9,420Securities
  • $3,700Federal funds sold & reverse repurchase agreements
  • $38,305Net loans & leases
  • $529Loan loss allowance
  • $0Trading account assets
  • $962Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $803All other assets
  • $55,166Total liabilities and capital
  • $49,863Total liabilities
  • $46,212Total deposits
  • $41,393Interest-bearing deposits
  • $46,212Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $626Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $2,434Other borrowed funds
  • $0Subordinated debt
  • $591All other liabilities
  • $5,303Total equity capital
  • $5,303Total bank equity capital
  • $5,303Perpetual preferred stock
  • $0Common stock
  • $200Surplus
  • $3,643Undivided profits
  • Memoranda
  • $1,460Noncurrent loans and leases
  • $16,377Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $555Earning assets
  • $0Long-term assets (5+ years)
  • $467Average Assets, year-to-date
  • $51,599Average Assets, quarterly
  • $7,522Volatile liabilities
  • $54,495Insider loans
  • $55,064FHLB advances
  • $8,026Loans and leases held for sale
  • $1,593Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $16,377Total unused commitments
  • $0Restructured Loans and leases
  • $498Derivatives

Income and Expense (December 31, 2000)

  • Dollar figures in thousands
  • $4,584Total interest income
  • $2,149Total interest expense
  • $2,435Net interest income
  • $125Provision for loan and lease losses
  • $253Total noninterest income
  • $0Fiduciary activities
  • $178Service charges on deposit accounts
  • $0Trading account gains & fees
  • $75Additional noninterest income
  • $1,619Total noninterest expense
  • $811Salaries and employee benefits
  • $170Premises and equipment expense
  • $638Additional noninterest expense
  • $944Pre-tax net operating income
  • $0Securities gains (losses)
  • $355Applicable income taxes
  • $589Income before extraordinary items
  • $0Extraordinary gains - net
  • $589Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $116Sale, conversion, retirement of capital stock, net
  • $378Net operating income

Performance and Condition Ratios (December 31, 2000)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 9.06%Yield on earning assets
  • 4.25%Cost of funding earning assets
  • 4.81%Net interest margin
  • 0.50%Noninterest income to earning assets
  • 3.20%Noninterest expense to earning assets
  • 1.08%Net operating income to assets
  • 1.08%Return on assets (ROA)
  • 1.73%Pretax return on assets
  • 11.68%Return on equity (ROE)
  • 4.18%Retained earnings to average equity (YTD only)
  • 0.30%Net charge-offs to loans
  • 107.76%Credit loss provision to net charge-offs
  • 9.22%Efficiency ratio
  • 59,338Assets per employee
  • 2.51%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 64.18%Loss allowance to loans
  • 1.36%Loss allowance to noncurrent loans
  • 95.32%Noncurrent assets plus other real estate owned to assets
  • 1.01%Noncurrent loans to loans
  • 1.43%Net loans and leases to deposits
  • 82.89%Net loans and leases to core deposits
  • 98.69%Equity capital to assets
  • 9.61%Core capital (leverage) ratio
  • 9.62%Tier 1 risk-based capital ratio
  • 13.32%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $54,495Average earning assets
  • $5,044Average equity
  • $50,598Average loans

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