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

This bank is inactive as of April 01, 1994

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

  • General
  • FDIC Certificate #: 2731
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: National City Bank of Kentucky (#2756)
    Federal Reserve ID: 967541
    Date Established: January 01, 1886
    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 #: 1772
    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: 922 State Street, Bowling Green, KY 42101
    County: Warren
    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): Bowling Green, KY (#14540)
    CBSA Metro Statistical Area: Bowling Green, KY (#14540)
  • Financial Summary
  • Total assets: $190.1 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)
  • $105Total assets
  • $193,396Cash and due from depository institutions
  • $13,448Interest-bearing balances
  • $0Securities
  • $3,953Federal funds sold & reverse repurchase agreements
  • $12,480Net loans & leases
  • $160,301Loan loss allowance
  • $1,613Trading account assets
  • $0Bank premises and fixed assets
  • $2,303Other real estate owned
  • $0Goodwill and other intangibles
  • $911Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $193,396Total liabilities
  • $177,593Total deposits
  • $159,390Interest-bearing deposits
  • $126,418Deposits held in domestic offices
  • 159390.00%% insured (estimated)
  • $90Federal funds purchased & repurchase agreements
  • $13,975Trading liabilities
  • $0Other borrowed funds
  • $10Subordinated debt
  • $0All other liabilities
  • $4,218Total equity capital
  • $4,218Total bank equity capital
  • $15,803Perpetual preferred stock
  • $0Common stock
  • $1,690Surplus
  • $14,787Undivided profits
  • Memoranda
  • $-674Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,148Income earned, not collected on loans
  • $686Earning assets
  • $176,734Long-term assets (5+ years)
  • $8,178Average Assets, year-to-date
  • $184,951Average Assets, quarterly
  • $189,120Volatile liabilities
  • $17,803Insider loans
  • $5,835FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $7,631Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $15,803Total risk weighted assets
  • $137,749Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1993)

  • Dollar figures in thousands
  • $0Total interest income
  • $12,476Total interest expense
  • $4,861Net interest income
  • $7,615Provision for loan and lease losses
  • $455Total noninterest income
  • $1,694Fiduciary activities
  • $94Service charges on deposit accounts
  • $1,059Trading account gains & fees
  • $0Additional noninterest income
  • $541Total noninterest expense
  • $6,388Salaries and employee benefits
  • $2,899Premises and equipment expense
  • $883Additional noninterest expense
  • $2,606Pre-tax net operating income
  • $2,470Securities gains (losses)
  • -$7Applicable income taxes
  • $948Income before extraordinary items
  • $1,515Extraordinary gains - net
  • $0Net income attributable to bank
  • $1,515Net charge-offs
  • $448Cash dividends
  • $0Sale, 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
  • 7.53%Cost of funding earning assets
  • 2.93%Net interest margin
  • 4.60%Noninterest income to earning assets
  • 1.02%Noninterest expense to earning assets
  • 3.86%Net operating income to assets
  • 0.82%Return on assets (ROA)
  • 0.82%Pretax return on assets
  • 1.33%Return on equity (ROE)
  • 10.12%Retained earnings to average equity (YTD only)
  • 10.12%Net charge-offs to loans
  • 0.30%Credit loss provision to net charge-offs
  • 101.56%Efficiency ratio
  • 68,622Assets per employee
  • 1.84%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.00%Loss allowance to noncurrent loans
  • 140.51%Noncurrent assets plus other real estate owned to assets
  • 0.59%Noncurrent loans to loans
  • 0.71%Net loans and leases to deposits
  • 100.57%Net loans and leases to core deposits
  • 103.04%Equity capital to assets
  • 8.17%Core capital (leverage) ratio
  • 8.48%Tier 1 risk-based capital ratio
  • 11.47%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $184,951Average earning assets
  • $14,972Average equity
  • $165,686Average loans

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