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

This bank is inactive as of July 22, 2006

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

  • General
  • FDIC Certificate #: 2756
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: National City Bank (#6557)
    Federal Reserve ID: 374149
    Date Established: January 01, 1863
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 102 (Interstate: No)
    FDIC's unique #: 1794
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: No
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: July 22, 2006
    Last Structure Change Process Date: August 09, 2006
    Last Data Update: August 09, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 101 South Fifth Street, Louisville, KY 40232
    County: Jefferson
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Elizabethtown
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Louisville, KY-IN (#4520)
    Combined Statistical Area (CSA): Louisville-Jefferson County-Elizabethtown-Scottsburg, KY-IN (#350)
    Core Based Statistical Area (CBSA): Louisville-Jefferson County, KY-IN (#31140)
    CBSA Metro Statistical Area: Louisville-Jefferson County, KY-IN (#31140)
  • Financial Summary
  • Total assets: $8,585.3 mil

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

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2005)

  • Dollar figures in thousands
  • 1,147Total employees (full-time equivalent)
  • $9,518,959Total assets
  • $1,114,224Cash and due from depository institutions
  • $750,200Interest-bearing balances
  • $1,158,705Securities
  • $23,052Federal funds sold & reverse repurchase agreements
  • $6,866,908Net loans & leases
  • $139,502Loan loss allowance
  • $0Trading account assets
  • $90,383Bank premises and fixed assets
  • $5,796Other real estate owned
  • $33,607Goodwill and other intangibles
  • $0Life insurance assets
  • $226,284All other assets
  • $9,518,959Total liabilities and capital
  • $8,816,199Total liabilities
  • $5,757,015Total deposits
  • $4,391,178Interest-bearing deposits
  • $4,906,982Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $1,430,878Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $1,015,729Other borrowed funds
  • $211,699Subordinated debt
  • $400,878All other liabilities
  • $702,760Total equity capital
  • $702,760Total bank equity capital
  • $702,760Perpetual preferred stock
  • $0Common stock
  • $21,000Surplus
  • $53,828Undivided profits
  • Memoranda
  • $627,932Noncurrent loans and leases
  • $2,360,649Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $140,583Earning assets
  • $170Long-term assets (5+ years)
  • $50,587Average Assets, year-to-date
  • $8,798,865Average Assets, quarterly
  • $2,266,496Volatile liabilities
  • $10,190,185Insider loans
  • $10,589,646FHLB advances
  • $2,995,173Loans and leases held for sale
  • $50Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $1,327,456Tier 2 risk-based capital
  • $24Total risk weighted assets
  • $2,360,649Total unused commitments
  • $0Restructured Loans and leases
  • $295,981Derivatives
  • $1Total assets and liabilities in foreign offices

Income and Expense (December 31, 2005)

  • Dollar figures in thousands
  • $527,781Total interest income
  • $231,199Total interest expense
  • $296,582Net interest income
  • $33,355Provision for loan and lease losses
  • $123,049Total noninterest income
  • $25,547Fiduciary activities
  • $58,816Service charges on deposit accounts
  • -$1Trading account gains & fees
  • $38,687Additional noninterest income
  • $174,371Total noninterest expense
  • $68,588Salaries and employee benefits
  • $29,602Premises and equipment expense
  • $76,181Additional noninterest expense
  • $211,905Pre-tax net operating income
  • -$980Securities gains (losses)
  • $70,107Applicable income taxes
  • $140,818Income before extraordinary items
  • $0Extraordinary gains - net
  • $140,818Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $31,745Sale, conversion, retirement of capital stock, net
  • $50,000Net operating income

Performance and Condition Ratios (December 31, 2005)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.58%Yield on earning assets
  • 2.45%Cost of funding earning assets
  • 3.14%Net interest margin
  • 1.30%Noninterest income to earning assets
  • 1.84%Noninterest expense to earning assets
  • 1.39%Net operating income to assets
  • 1.38%Return on assets (ROA)
  • 2.07%Pretax return on assets
  • 21.13%Return on equity (ROE)
  • 13.62%Retained earnings to average equity (YTD only)
  • 0.42%Net charge-offs to loans
  • 105.07%Credit loss provision to net charge-offs
  • 7.73%Efficiency ratio
  • 41,553Assets per employee
  • 8.30%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 35.51%Loss allowance to loans
  • 1.99%Loss allowance to noncurrent loans
  • 99.23%Noncurrent assets plus other real estate owned to assets
  • 1.54%Noncurrent loans to loans
  • 2.01%Net loans and leases to deposits
  • 119.28%Net loans and leases to core deposits
  • 154.54%Equity capital to assets
  • 7.38%Core capital (leverage) ratio
  • 6.11%Tier 1 risk-based capital ratio
  • 8.67%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $10,190,185Average earning assets
  • $666,580Average equity
  • $9,455,949Average loans

Total Fiduciary and Related Assets (December 31, 2005)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $12,411,631Managed Assets
  • 1Number of Accounts
  • $7,699,015Personal trust and agency accounts
  • $7,018,543Employee benefit-defined contribution accounts
  • $80,892Employee benefit-defined benefit accounts
  • $69,181Other retirement accounts
  • $24,853Corporate trust and agency accounts
  • $12Investment management agency accounts
  • $349,488Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $156,046Non-managed Assets
  • 3910Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $4,712,616Other retirement accounts
  • $270,425Corporate trust and agency accounts
  • $275,926Other fiduciary accounts
  • $29,801Fiduciary accounts held in foreign offices
Margaret Gordon
Sep 28, 2022 @ 8:08 am
Question. U.S. currency is in process of being reset from fiat to gold-back currency.
Are National city Banks in Louisville Kentucky making the change--over to gold-backed currencies?

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