Green River Bank in Morgantown, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 01, 2005

Green River Bank in Morgantown, Kentucky (KY)
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Green River Bank - Overview

General
FDIC Certificate #: 8791
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: PBI Bank (#9314)
Federal Reserve ID: 51347
Date Established: January 01, 1898
WWW: http://www.greenriverbank.com
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Interstate: No)
OTS Docket #: 9181
FDIC's unique #: 5598
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: January 01, 2005
Last Structure Change Process Date: January 10, 2005
Last Data Update: January 10, 2005
Data Source Date: April 05, 2012
Location
Address: Logan Street, Morgantown, KY 42261
County: Butler
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: $49.4 mil

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

2000 - 2011 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, 2004)

Dollar figures in thousands
16Total employees (full-time equivalent)
$49,392Total assets
$1,204Cash and due from depository institutions
$57Interest-bearing balances
$3,254Securities
$2,300Federal funds sold & reverse repurchase agreements
$40,961Net loans & leases
$364Loan loss allowance
$0Trading account assets
$590Bank premises and fixed assets
$40Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$1,043All other assets
$49,392Total liabilities and capital
$45,229Total liabilities
$39,653Total deposits
$34,298Interest-bearing deposits
$39,653Deposits held in domestic offices
0.00%% insured (estimated)
$500Federal funds purchased & repurchase agreements
$0Trading liabilities
$4,883Other borrowed funds
$0Subordinated debt
$193All other liabilities
$4,163Total equity capital
$4,163Total bank equity capital
$4,163Perpetual preferred stock
$0Common stock
$510Surplus
$2,451Undivided profits
Memoranda
$1,202Noncurrent loans and leases
$2,044Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$193Earning assets
$0Long-term assets (5+ years)
$300Average Assets, year-to-date
$46,572Average Assets, quarterly
$12,923Volatile liabilities
$49,682Insider loans
$49,450FHLB advances
$8,837Loans and leases held for sale
$950Unused loan commitments
$4,883Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$2,044Total unused commitments
$0Restructured Loans and leases
$364Derivatives

Income and Expense (December 31, 2004)

Dollar figures in thousands
$3,161Total interest income
$1,270Total interest expense
$1,891Net interest income
$168Provision for loan and lease losses
$493Total noninterest income
$0Fiduciary activities
$358Service charges on deposit accounts
$0Trading account gains & fees
$135Additional noninterest income
$1,548Total noninterest expense
$587Salaries and employee benefits
$143Premises and equipment expense
$818Additional noninterest expense
$668Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$668Income before extraordinary items
$0Extraordinary gains - net
$668Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$208Sale, conversion, retirement of capital stock, net
$625Net operating income

Performance and Condition Ratios (December 31, 2004)

Dollar figures in thousands
Performance Ratios (%, annualized)
6.75%Yield on earning assets
2.71%Cost of funding earning assets
4.04%Net interest margin
1.05%Noninterest income to earning assets
3.31%Noninterest expense to earning assets
1.34%Net operating income to assets
1.34%Return on assets (ROA)
1.34%Pretax return on assets
16.03%Return on equity (ROE)
1.03%Retained earnings to average equity (YTD only)
0.51%Net charge-offs to loans
80.77%Credit loss provision to net charge-offs
4.02%Efficiency ratio
64,933Assets per employee
3.09%Cash dividends to net income (YTD only)
Condition Ratios (%)
93.56%Loss allowance to loans
0.88%Loss allowance to noncurrent loans
188.60%Noncurrent assets plus other real estate owned to assets
0.47%Noncurrent loans to loans
0.47%Net loans and leases to deposits
103.30%Net loans and leases to core deposits
130.79%Equity capital to assets
8.43%Core capital (leverage) ratio
8.28%Tier 1 risk-based capital ratio
11.28%Total risk-based capital ratio
Memoranda
$12Average assets
$49,682Average earning assets
$4,166Average equity
$46,819Average loans

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