NationsBank of Kentucky, National Association in Hopkinsville, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of August 21, 1998

  • NationsBank of Kentucky, National Association in Hopkinsville, Kentucky (KY)
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NationsBank of Kentucky, National Association - Overview

  • General
  • FDIC Certificate #: 13444
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: First City Bank and Trust Company (#12148)
    Federal Reserve ID: 626848
    Date Established: January 15, 1873
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 5 (Interstate: No)
    FDIC's unique #: 8465
    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 03, 1934
    Last Structure Change Effective Date: August 21, 1998
    Last Structure Change Process Date: October 06, 1998
    Last Data Update: October 06, 1998
    Data Source Date: April 05, 2012
  • Location
  • Address: 712 South Main Street, Hopkinsville, KY 42240
    County: Christian
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Hopkinsville
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Clarksville-Hopkinsville, TN-KY (#1660)
    Core Based Statistical Area (CBSA): Clarksville, TN-KY (#17300)
    CBSA Metro Statistical Area: Clarksville, TN-KY (#17300)
  • Financial Summary
  • Total assets: $172.6 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1997)

  • Dollar figures in thousands
  • 77Total employees (full-time equivalent)
  • $171,880Total assets
  • $6,215Cash and due from depository institutions
  • $0Interest-bearing balances
  • $2,481Securities
  • $61,338Federal funds sold & reverse repurchase agreements
  • $98,537Net loans & leases
  • $1,271Loan loss allowance
  • $3Trading account assets
  • $2,075Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $1,231All other assets
  • $171,880Total liabilities and capital
  • $160,238Total liabilities
  • $138,962Total deposits
  • $112,468Interest-bearing deposits
  • $138,962Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $17,290Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $1,531Other borrowed funds
  • $0Subordinated debt
  • $2,455All other liabilities
  • $11,642Total equity capital
  • $11,642Total bank equity capital
  • $11,642Perpetual preferred stock
  • $0Common stock
  • $1,840Surplus
  • $8,286Undivided profits
  • Memoranda
  • $1,516Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $304Earning assets
  • $0Long-term assets (5+ years)
  • $530Average Assets, year-to-date
  • $162,359Average Assets, quarterly
  • $18,488Volatile liabilities
  • $175,373Insider loans
  • $174,818FHLB advances
  • $31,229Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $13,438Total unused commitments
  • $0Restructured Loans and leases
  • $75,325Derivatives

Income and Expense (December 31, 1997)

  • Dollar figures in thousands
  • $12,491Total interest income
  • $6,010Total interest expense
  • $6,481Net interest income
  • $477Provision for loan and lease losses
  • $3,287Total noninterest income
  • $149Fiduciary activities
  • $2,873Service charges on deposit accounts
  • $0Trading account gains & fees
  • $265Additional noninterest income
  • $5,557Total noninterest expense
  • $1,959Salaries and employee benefits
  • $689Premises and equipment expense
  • $2,909Additional noninterest expense
  • $3,734Pre-tax net operating income
  • $0Securities gains (losses)
  • $1,253Applicable income taxes
  • $2,481Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,481Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $477Sale, conversion, retirement of capital stock, net
  • $2,091Net operating income

Performance and Condition Ratios (December 31, 1997)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.59%Yield on earning assets
  • 3.65%Cost of funding earning assets
  • 3.94%Net interest margin
  • 2.00%Noninterest income to earning assets
  • 3.38%Noninterest expense to earning assets
  • 1.41%Net operating income to assets
  • 1.41%Return on assets (ROA)
  • 2.13%Pretax return on assets
  • 21.70%Return on equity (ROE)
  • 3.41%Retained earnings to average equity (YTD only)
  • 0.46%Net charge-offs to loans
  • 100.00%Credit loss provision to net charge-offs
  • 8.83%Efficiency ratio
  • 56,890Assets per employee
  • 2.23%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 84.28%Loss allowance to loans
  • 1.27%Loss allowance to noncurrent loans
  • 418.09%Noncurrent assets plus other real estate owned to assets
  • 0.18%Noncurrent loans to loans
  • 0.30%Net loans and leases to deposits
  • 70.91%Net loans and leases to core deposits
  • 77.86%Equity capital to assets
  • 6.77%Core capital (leverage) ratio
  • 6.71%Tier 1 risk-based capital ratio
  • 15.46%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $175,373Average earning assets
  • $11,433Average equity
  • $164,562Average loans

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