National City Bank, Ashland Kentucky in Ashland, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of April 01, 1994

  • National City Bank, Ashland Kentucky in Ashland, Kentucky (KY)
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National City Bank, Ashland Kentucky - Overview

  • General
  • FDIC Certificate #: 2680
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: National City Bank of Kentucky (#2756)
    Federal Reserve ID: 947712
    Date Established: January 01, 1916
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 6 (Interstate: No)
    FDIC's unique #: 1728
    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 01, 1994
    Last Structure Change Process Date: May 06, 1994
    Last Data Update: May 06, 1994
    Data Source Date: April 05, 2012
  • Location
  • Address: 1000 Carter Avenue, Ashland, KY 41101
    County: Boyd
    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): Huntington-Ashland, WV-KY-OH (#3400)
    Core Based Statistical Area (CBSA): Huntington-Ashland, WV-KY-OH (#26580)
    CBSA Metro Statistical Area: Huntington-Ashland, WV-KY-OH (#26580)
  • Financial Summary
  • Total assets: $214.2 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)
  • $122Total assets
  • $211,515Cash and due from depository institutions
  • $9,962Interest-bearing balances
  • $0Securities
  • $2,864Federal funds sold & reverse repurchase agreements
  • $7,625Net loans & leases
  • $184,499Loan loss allowance
  • $1,258Trading account assets
  • $0Bank premises and fixed assets
  • $4,821Other real estate owned
  • $497Goodwill and other intangibles
  • $1,247Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $211,515Total liabilities
  • $195,836Total deposits
  • $182,788Interest-bearing deposits
  • $149,123Deposits held in domestic offices
  • 182788.00%% insured (estimated)
  • $88Federal funds purchased & repurchase agreements
  • $11,525Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $1,523Total equity capital
  • $1,523Total bank equity capital
  • $15,679Perpetual preferred stock
  • $0Common stock
  • $1,100Surplus
  • $2,200Undivided profits
  • Memoranda
  • $12,379Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,161Income earned, not collected on loans
  • $743Earning assets
  • $194,988Long-term assets (5+ years)
  • $5,341Average Assets, year-to-date
  • $205,548Average Assets, quarterly
  • $209,874Volatile liabilities
  • $14,440Insider loans
  • $6,355FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $12,997Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $15,679Total risk weighted assets
  • $160,581Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1993)

  • Dollar figures in thousands
  • $0Total interest income
  • $14,148Total interest expense
  • $5,698Net interest income
  • $8,450Provision for loan and lease losses
  • $470Total noninterest income
  • $2,340Fiduciary activities
  • $1,136Service charges on deposit accounts
  • $773Trading account gains & fees
  • $0Additional noninterest income
  • $431Total noninterest expense
  • $7,355Salaries and employee benefits
  • $3,288Premises and equipment expense
  • $676Additional noninterest expense
  • $3,391Pre-tax net operating income
  • $2,965Securities gains (losses)
  • $17Applicable income taxes
  • $927Income before extraordinary items
  • $2,055Extraordinary gains - net
  • $0Net income attributable to bank
  • $2,055Net charge-offs
  • $761Cash dividends
  • $2,500Sale, 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
  • 7.45%Cost of funding earning assets
  • 3.00%Net interest margin
  • 4.45%Noninterest income to earning assets
  • 1.23%Noninterest expense to earning assets
  • 3.88%Net operating income to assets
  • 0.99%Return on assets (ROA)
  • 1.00%Pretax return on assets
  • 1.45%Return on equity (ROE)
  • 12.35%Retained earnings to average equity (YTD only)
  • -2.68%Net charge-offs to loans
  • 0.43%Credit loss provision to net charge-offs
  • 61.76%Efficiency ratio
  • 68,165Assets per employee
  • 1.73%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 121.65%Loss allowance to loans
  • 0.68%Loss allowance to noncurrent loans
  • 108.35%Noncurrent assets plus other real estate owned to assets
  • 0.78%Noncurrent loans to loans
  • 0.63%Net loans and leases to deposits
  • 100.94%Net loans and leases to core deposits
  • 102.57%Equity capital to assets
  • 7.41%Core capital (leverage) ratio
  • 7.54%Tier 1 risk-based capital ratio
  • 9.76%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $205,548Average earning assets
  • $16,635Average equity
  • $189,789Average loans

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