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

This bank is inactive as of November 01, 1993

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

  • General
  • FDIC Certificate #: 2703
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: National City Bank of Kentucky (#2756)
    Federal Reserve ID: 713319
    Date Established: April 09, 1883
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 15 (Interstate: No)
    FDIC's unique #: 1746
    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: November 01, 1993
    Last Structure Change Process Date: November 19, 1993
    Last Data Update: November 19, 1993
    Data Source Date: April 05, 2012
  • Location
  • Address: 301 East Main Street, Lexington, KY 40507
    County: Fayette
    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)
  • Financial Summary
  • Total assets: $473.8 mil

Assets and Liabilities (December 31, 1992)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $212Total assets
  • $447,814Cash and due from depository institutions
  • $24,753Interest-bearing balances
  • $0Securities
  • $10,403Federal funds sold & reverse repurchase agreements
  • $108,285Net loans & leases
  • $289,973Loan loss allowance
  • $5,205Trading account assets
  • $0Bank premises and fixed assets
  • $7,102Other real estate owned
  • $4,012Goodwill and other intangibles
  • $3,286Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $447,814Total liabilities
  • $414,502Total deposits
  • $381,873Interest-bearing deposits
  • $320,752Deposits held in domestic offices
  • 381873.00%% insured (estimated)
  • $85Federal funds purchased & repurchase agreements
  • $26,286Trading liabilities
  • $0Other borrowed funds
  • $3,770Subordinated debt
  • $0All other liabilities
  • $2,573Total equity capital
  • $2,573Total bank equity capital
  • $33,312Perpetual preferred stock
  • $0Common stock
  • $2,000Surplus
  • $9,768Undivided profits
  • Memoranda
  • $21,544Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,273Income earned, not collected on loans
  • $1,675Earning assets
  • $408,661Long-term assets (5+ years)
  • $14,947Average Assets, year-to-date
  • $450,457Average Assets, quarterly
  • $454,598Volatile liabilities
  • $40,702Insider loans
  • $23FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $69,166Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $33,312Total risk weighted assets
  • $314,310Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1992)

  • Dollar figures in thousands
  • $0Total interest income
  • $31,202Total interest expense
  • $13,519Net interest income
  • $17,683Provision for loan and lease losses
  • $1,325Total noninterest income
  • $6,633Fiduciary activities
  • $1,005Service charges on deposit accounts
  • $2,332Trading account gains & fees
  • $0Additional noninterest income
  • $3,296Total noninterest expense
  • $16,732Salaries and employee benefits
  • $7,245Premises and equipment expense
  • $2,329Additional noninterest expense
  • $7,158Pre-tax net operating income
  • $6,259Securities gains (losses)
  • $14Applicable income taxes
  • $2,038Income before extraordinary items
  • $4,235Extraordinary gains - net
  • $0Net income attributable to bank
  • $4,235Net charge-offs
  • $1,676Cash dividends
  • $1,850Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1992)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.73%Cost of funding earning assets
  • 3.35%Net interest margin
  • 4.38%Noninterest income to earning assets
  • 1.64%Noninterest expense to earning assets
  • 4.14%Net operating income to assets
  • 0.94%Return on assets (ROA)
  • 0.94%Pretax return on assets
  • 1.39%Return on equity (ROE)
  • 13.23%Retained earnings to average equity (YTD only)
  • 7.45%Net charge-offs to loans
  • 0.56%Credit loss provision to net charge-offs
  • 79.06%Efficiency ratio
  • 68,811Assets per employee
  • 2.11%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 43.68%Loss allowance to loans
  • 1.76%Loss allowance to noncurrent loans
  • 159.03%Noncurrent assets plus other real estate owned to assets
  • 1.63%Noncurrent loans to loans
  • 1.11%Net loans and leases to deposits
  • 75.93%Net loans and leases to core deposits
  • 78.11%Equity capital to assets
  • 7.44%Core capital (leverage) ratio
  • 7.34%Tier 1 risk-based capital ratio
  • 10.60%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $450,457Average earning assets
  • $32,017Average equity
  • $403,796Average loans

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