Liberty National Bank of Madisonville in Madisonville, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of April 25, 1994

Liberty National Bank of Madisonville in Madisonville, Kentucky (KY)
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Liberty National Bank of Madisonville - Overview

General
FDIC Certificate #: 12167
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Bank One, Western Kentucky, National Association (#29538)
Federal Reserve ID: 440941
Date Established: March 01, 1901
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)
FDIC's unique #: 7728
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: April 25, 1994
Last Structure Change Process Date: May 20, 1994
Last Data Update: May 20, 1994
Data Source Date: April 05, 2012
Location
Address: 1 South Main Street, Madisonville, KY 42431
County: Hopkins
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
Core Based Statistical Area (CBSA): Madisonville, KY (#31580)
CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $162.7 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

Dollar figures in thousands
0Total employees (full-time equivalent)
$82Total assets
$171,944Cash and due from depository institutions
$6,868Interest-bearing balances
$0Securities
$52,347Federal funds sold & reverse repurchase agreements
$22,500Net loans & leases
$86,205Loan loss allowance
$1,096Trading account assets
$0Bank premises and fixed assets
$2,432Other real estate owned
$0Goodwill and other intangibles
$1,592Life insurance assets
$0All other assets
$0Total liabilities and capital
$171,944Total liabilities
$157,414Total deposits
$149,652Interest-bearing deposits
$126,959Deposits held in domestic offices
149652.00%% insured (estimated)
$91Federal funds purchased & repurchase agreements
$3,287Trading liabilities
$0Other borrowed funds
$3,655Subordinated debt
$0All other liabilities
$820Total equity capital
$820Total bank equity capital
$14,530Perpetual preferred stock
$0Common stock
$3,250Surplus
$4,325Undivided profits
Memoranda
$6,955Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$552Income earned, not collected on loans
$538Earning assets
$161,052Long-term assets (5+ years)
$9,937Average Assets, year-to-date
$166,814Average Assets, quarterly
$168,421Volatile liabilities
$15,863Insider loans
$722FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$3,325Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$14,530Total risk weighted assets
$89,373Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1993)

Dollar figures in thousands
$0Total interest income
$10,551Total interest expense
$4,667Net interest income
$5,884Provision for loan and lease losses
$288Total noninterest income
$1,061Fiduciary activities
$0Service charges on deposit accounts
$653Trading account gains & fees
$0Additional noninterest income
$408Total noninterest expense
$4,308Salaries and employee benefits
$1,869Premises and equipment expense
$529Additional noninterest expense
$1,910Pre-tax net operating income
$2,349Securities gains (losses)
$6Applicable income taxes
$595Income before extraordinary items
$1,760Extraordinary gains - net
$0Net income attributable to bank
$1,760Net charge-offs
$390Cash dividends
$1,970Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1993)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
6.73%Cost of funding earning assets
2.98%Net interest margin
3.75%Noninterest income to earning assets
0.68%Noninterest expense to earning assets
2.75%Net operating income to assets
1.05%Return on assets (ROA)
1.06%Pretax return on assets
1.41%Return on equity (ROE)
12.01%Retained earnings to average equity (YTD only)
-1.43%Net charge-offs to loans
0.46%Credit loss provision to net charge-offs
73.85%Efficiency ratio
62,030Assets per employee
2.10%Cash dividends to net income (YTD only)
Condition Ratios (%)
111.93%Loss allowance to loans
1.26%Loss allowance to noncurrent loans
198.55%Noncurrent assets plus other real estate owned to assets
0.32%Noncurrent loans to loans
0.63%Net loans and leases to deposits
57.60%Net loans and leases to core deposits
61.26%Equity capital to assets
8.45%Core capital (leverage) ratio
8.89%Tier 1 risk-based capital ratio
16.26%Total risk-based capital ratio
Memoranda
$17Average assets
$166,814Average earning assets
$14,649Average equity
$156,719Average loans

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