HNB Bank, National Association in Harlan, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 02, 2000

  • HNB Bank, National Association in Harlan, Kentucky (KY)
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HNB Bank, National Association - Overview

  • General
  • FDIC Certificate #: 2696
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Area Bank (#18478)
    Federal Reserve ID: 613512
    Date Established: March 16, 1916
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 7 (Interstate: No)
    OTS Docket #: 9378
    FDIC's unique #: 1741
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: October 02, 2000
    Last Structure Change Process Date: December 07, 2000
    Last Data Update: December 07, 2000
    Data Source Date: April 05, 2012
  • Location
  • Address: Main And Central Streets, Harlan, KY 40831
    County: Harlan
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Knoxville
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Southeast
  • Financial Summary
  • Total assets: $188.5 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
  • 72Total employees (full-time equivalent)
  • $187,177Total assets
  • $11,769Cash and due from depository institutions
  • $46Interest-bearing balances
  • $31,896Securities
  • $16,765Federal funds sold & reverse repurchase agreements
  • $122,239Net loans & leases
  • $2,458Loan loss allowance
  • $0Trading account assets
  • $1,173Bank premises and fixed assets
  • $0Other real estate owned
  • $414Goodwill and other intangibles
  • $0Life insurance assets
  • $2,921All other assets
  • $187,177Total liabilities and capital
  • $173,092Total liabilities
  • $162,464Total deposits
  • $143,721Interest-bearing deposits
  • $162,464Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $295Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $9,500Other borrowed funds
  • $0Subordinated debt
  • $833All other liabilities
  • $14,085Total equity capital
  • $14,085Total bank equity capital
  • $14,085Perpetual preferred stock
  • $0Common stock
  • $500Surplus
  • $6,260Undivided profits
  • Memoranda
  • $7,325Noncurrent loans and leases
  • $13,113Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $93Earning assets
  • $0Long-term assets (5+ years)
  • $653Average Assets, year-to-date
  • $170,946Average Assets, quarterly
  • $32,076Volatile liabilities
  • $186,943Insider loans
  • $183,676FHLB advances
  • $25,492Loans and leases held for sale
  • $6,466Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $13,000Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $13,113Total unused commitments
  • $0Restructured Loans and leases
  • $1,552Derivatives

Income and Expense (December 31, 1999)

  • Dollar figures in thousands
  • $13,688Total interest income
  • $5,714Total interest expense
  • $7,974Net interest income
  • $0Provision for loan and lease losses
  • $1,066Total noninterest income
  • $0Fiduciary activities
  • $742Service charges on deposit accounts
  • $0Trading account gains & fees
  • $324Additional noninterest income
  • $4,855Total noninterest expense
  • $1,986Salaries and employee benefits
  • $568Premises and equipment expense
  • $2,301Additional noninterest expense
  • $4,185Pre-tax net operating income
  • $0Securities gains (losses)
  • $1,329Applicable income taxes
  • $2,856Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,856Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $220Sale, conversion, retirement of capital stock, net
  • $780Net operating income

Performance and Condition Ratios (December 31, 1999)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.96%Yield on earning assets
  • 3.32%Cost of funding earning assets
  • 4.64%Net interest margin
  • 0.62%Noninterest income to earning assets
  • 2.82%Noninterest expense to earning assets
  • 1.53%Net operating income to assets
  • 1.53%Return on assets (ROA)
  • 2.24%Pretax return on assets
  • 21.35%Return on equity (ROE)
  • 15.52%Retained earnings to average equity (YTD only)
  • 0.18%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 19.02%Efficiency ratio
  • 53,164Assets per employee
  • 2.60%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 27.31%Loss allowance to loans
  • 1.97%Loss allowance to noncurrent loans
  • 2643.01%Noncurrent assets plus other real estate owned to assets
  • 0.05%Noncurrent loans to loans
  • 0.07%Net loans and leases to deposits
  • 75.24%Net loans and leases to core deposits
  • 89.05%Equity capital to assets
  • 7.52%Core capital (leverage) ratio
  • 7.44%Tier 1 risk-based capital ratio
  • 11.28%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $186,943Average earning assets
  • $13,376Average equity
  • $171,969Average loans

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