Jessamine First Federal Savings and Loan Association in Nicholasville, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of September 21, 1996

  • Jessamine First Federal Savings and Loan Association in Nicholasville, Kentucky (KY)
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Jessamine First Federal Savings and Loan Association - Overview

  • General
  • FDIC Certificate #: 28025
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Kentucky Bank (#734)
    Federal Reserve ID: 918178
    Date Established: January 01, 1889
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 762
    FDIC's unique #: 40859
    Numeric code: 38
    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 29, 1960
    Last Structure Change Effective Date: September 21, 1996
    Last Structure Change Process Date: October 08, 1996
    Last Data Update: October 08, 1996
    Data Source Date: April 05, 2012
  • Location
  • Address: 714 South Main Street, Nicholasville, KY 40356
    County: Jessamine
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Lexington
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Lexington, KY (#4280)
    Combined Statistical Area (CSA): Lexington-Fayette-Frankfort-Richmond, KY (#336)
    Core Based Statistical Area (CBSA): Lexington-Fayette, KY (#30460)
    CBSA Metro Statistical Area: Lexington-Fayette, KY (#30460)
  • Financial Summary
  • Total assets: $34.8 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $9Total assets
  • $34,817Cash and due from depository institutions
  • $1,640Interest-bearing balances
  • $1,528Securities
  • $7,010Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $25,295Loan loss allowance
  • $184Trading account assets
  • $0Bank premises and fixed assets
  • $197Other real estate owned
  • $0Goodwill and other intangibles
  • $675Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $34,817Total liabilities
  • $31,597Total deposits
  • $31,447Interest-bearing deposits
  • $31,275Deposits held in domestic offices
  • 31447.00%% insured (estimated)
  • $100Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $150Total equity capital
  • $150Total bank equity capital
  • $3,220Perpetual preferred stock
  • $0Common stock
  • $94Surplus
  • $2,179Undivided profits
  • Memoranda
  • $947Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $180Income earned, not collected on loans
  • $155Earning assets
  • $33,833Long-term assets (5+ years)
  • $0Average Assets, year-to-date
  • $34,193Average Assets, quarterly
  • $34,686Volatile liabilities
  • $906Insider loans
  • $132FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $515Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $3,198Total risk weighted assets
  • $15,427Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1995)

  • Dollar figures in thousands
  • $0Total interest income
  • $2,482Total interest expense
  • $1,502Net interest income
  • $980Provision for loan and lease losses
  • $3Total noninterest income
  • $108Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $0Additional noninterest income
  • $108Total noninterest expense
  • $795Salaries and employee benefits
  • $367Premises and equipment expense
  • $141Additional noninterest expense
  • $287Pre-tax net operating income
  • $290Securities gains (losses)
  • $8Applicable income taxes
  • $100Income before extraordinary items
  • $198Extraordinary gains - net
  • $0Net income attributable to bank
  • $198Net charge-offs
  • $4Cash dividends
  • $56Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1995)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.46%Cost of funding earning assets
  • 4.52%Net interest margin
  • 2.95%Noninterest income to earning assets
  • 0.32%Noninterest expense to earning assets
  • 2.39%Net operating income to assets
  • 0.56%Return on assets (ROA)
  • 0.58%Pretax return on assets
  • 0.87%Return on equity (ROE)
  • 6.34%Retained earnings to average equity (YTD only)
  • 4.55%Net charge-offs to loans
  • 0.02%Credit loss provision to net charge-offs
  • 75.00%Efficiency ratio
  • 73,070Assets per employee
  • 3.87%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 28.28%Loss allowance to loans
  • 0.72%Loss allowance to noncurrent loans
  • 102.22%Noncurrent assets plus other real estate owned to assets
  • 0.52%Noncurrent loans to loans
  • 0.71%Net loans and leases to deposits
  • 80.44%Net loans and leases to core deposits
  • 82.82%Equity capital to assets
  • 9.25%Core capital (leverage) ratio
  • 9.19%Tier 1 risk-based capital ratio
  • 20.73%Total risk-based capital ratio
  • Memoranda
  • $22Average assets
  • $34,193Average earning assets
  • $3,123Average equity
  • $33,254Average loans

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