Kentucky Savings Bank, FSB in Georgetown, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of May 10, 1996

  • Kentucky Savings Bank, FSB in Georgetown, Kentucky (KY)
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Kentucky Savings Bank, FSB - Overview

  • General
  • FDIC Certificate #: 33224
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: Kentucky Bank (#734)
    Federal Reserve ID: 1829600
    Date Established: December 12, 1990
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 8948
    FDIC's unique #: 46661
    Numeric code: 34
    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: December 12, 1990
    Last Structure Change Effective Date: May 10, 1996
    Last Structure Change Process Date: May 15, 1996
    Last Data Update: May 15, 1996
    Data Source Date: April 05, 2012
  • Location
  • Address: 1304 Paris Pike, Georgetown, KY 40324
    County: Scott
    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)
  • History of Changes
  • Merger - Without Assistance
  • Financial Summary
  • Total assets: $31.9 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)
  • $8Total assets
  • $36,557Cash and due from depository institutions
  • $268Interest-bearing balances
  • $33Securities
  • $10,166Federal funds sold & reverse repurchase agreements
  • $2,850Net loans & leases
  • $22,129Loan loss allowance
  • $174Trading account assets
  • $0Bank premises and fixed assets
  • $309Other real estate owned
  • $0Goodwill and other intangibles
  • $835Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $36,557Total liabilities
  • $32,836Total deposits
  • $26,202Interest-bearing deposits
  • $26,202Deposits held in domestic offices
  • 26202.00%% insured (estimated)
  • $98Federal funds purchased & repurchase agreements
  • $300Trading liabilities
  • $0Other borrowed funds
  • $6,094Subordinated debt
  • $0All other liabilities
  • $240Total equity capital
  • $240Total bank equity capital
  • $3,721Perpetual preferred stock
  • $0Common stock
  • $3,500Surplus
  • $0Undivided profits
  • Memoranda
  • $221Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1Income earned, not collected on loans
  • $103Earning assets
  • $35,178Long-term assets (5+ years)
  • $0Average Assets, year-to-date
  • $40,267Average Assets, quarterly
  • $38,392Volatile liabilities
  • $8,457Insider loans
  • $319FHLB advances
  • $6,094Loans and leases held for sale
  • $0Unused loan commitments
  • $1,309Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $3,821Total risk weighted assets
  • $14,440Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1995)

  • Dollar figures in thousands
  • $0Total interest income
  • $2,698Total interest expense
  • $2,040Net interest income
  • $658Provision for loan and lease losses
  • $54Total noninterest income
  • $110Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $0Additional noninterest income
  • $110Total noninterest expense
  • $816Salaries and employee benefits
  • $277Premises and equipment expense
  • $112Additional noninterest expense
  • $427Pre-tax net operating income
  • -$102Securities gains (losses)
  • $16Applicable income taxes
  • -$20Income before extraordinary items
  • -$66Extraordinary gains - net
  • $0Net income attributable to bank
  • -$66Net charge-offs
  • $0Cash dividends
  • $0Sale, 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
  • 6.98%Cost of funding earning assets
  • 5.28%Net interest margin
  • 1.70%Noninterest income to earning assets
  • 0.28%Noninterest expense to earning assets
  • 2.11%Net operating income to assets
  • -0.19%Return on assets (ROA)
  • -0.16%Pretax return on assets
  • -0.21%Return on equity (ROE)
  • -1.77%Retained earnings to average equity (YTD only)
  • -1.77%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 101,823Assets per employee
  • 4.57%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.78%Loss allowance to noncurrent loans
  • 17400.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 84.46%Net loans and leases to core deposits
  • 91.67%Equity capital to assets
  • 10.18%Core capital (leverage) ratio
  • 10.42%Tier 1 risk-based capital ratio
  • 26.46%Total risk-based capital ratio
  • Memoranda
  • $28Average assets
  • $40,267Average earning assets
  • $3,730Average equity
  • $38,636Average loans

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