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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