Pennyrile Citizens Bank and Trust Company in Hopkinsville, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of Febuary 19, 1999

  • Pennyrile Citizens Bank and Trust Company in Hopkinsville, Kentucky (KY)
  • Show street view No street view available for this location

Pennyrile Citizens Bank and Trust Company - Overview

  • General
  • FDIC Certificate #: 22336
    Status: Inactive
    Closing history: Office Sold
    Acquiring institution: Mercantile Trust Company, National Association (#33854)
    Federal Reserve ID: 558640
    Date Established: September 27, 1976
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Interstate: No)
    OTS Docket #: 11929
    FDIC's unique #: 15545
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: September 27, 1976
    Last Structure Change Effective Date: Febuary 19, 1999
    Last Structure Change Process Date: March 10, 1999
    Last Data Update: March 10, 1999
    Data Source Date: April 05, 2012
  • Location
  • Address: 2800 Fort Campbell Boulevard, Hopkinsville, KY 42240
    County: Christian
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Kansas City
    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)
  • History of Changes
  • Merger - Without Assistance
    Office Sold
  • Financial Summary
  • Total assets: $68.5 mil

1992 - 1999 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, 1998)

  • Dollar figures in thousands
  • 20Total employees (full-time equivalent)
  • $68,531Total assets
  • $6,329Cash and due from depository institutions
  • $714Interest-bearing balances
  • $10,349Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $49,706Net loans & leases
  • $1,764Loan loss allowance
  • $0Trading account assets
  • $836Bank premises and fixed assets
  • $6Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $1,305All other assets
  • $68,531Total liabilities and capital
  • $63,098Total liabilities
  • $50,107Total deposits
  • $37,625Interest-bearing deposits
  • $50,107Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $4,906Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $7,500Other borrowed funds
  • $0Subordinated debt
  • $585All other liabilities
  • $5,433Total equity capital
  • $5,433Total bank equity capital
  • $5,433Perpetual preferred stock
  • $0Common stock
  • $738Surplus
  • $2,706Undivided profits
  • Memoranda
  • $1,989Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $1,098Earning assets
  • $0Long-term assets (5+ years)
  • $451Average Assets, year-to-date
  • $60,769Average Assets, quarterly
  • $12,358Volatile liabilities
  • $74,555Insider loans
  • $68,110FHLB advances
  • $15,353Loans and leases held for sale
  • $2,678Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $1,055Total risk weighted assets
  • $2,702Total unused commitments
  • $0Restructured Loans and leases
  • $47,272Derivatives

Income and Expense (December 31, 1998)

  • Dollar figures in thousands
  • $5,581Total interest income
  • $2,827Total interest expense
  • $2,754Net interest income
  • $2,320Provision for loan and lease losses
  • $587Total noninterest income
  • $0Fiduciary activities
  • $458Service charges on deposit accounts
  • $0Trading account gains & fees
  • $129Additional noninterest income
  • $2,535Total noninterest expense
  • $751Salaries and employee benefits
  • $142Premises and equipment expense
  • $1,642Additional noninterest expense
  • -$1,514Pre-tax net operating income
  • $2Securities gains (losses)
  • -$571Applicable income taxes
  • -$941Income before extraordinary items
  • $0Extraordinary gains - net
  • -$941Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $1,250Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1998)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.27%Yield on earning assets
  • 4.19%Cost of funding earning assets
  • 4.08%Net interest margin
  • 0.87%Noninterest income to earning assets
  • 3.76%Noninterest expense to earning assets
  • -1.26%Net operating income to assets
  • -1.26%Return on assets (ROA)
  • -2.03%Pretax return on assets
  • -16.15%Return on equity (ROE)
  • -16.15%Retained earnings to average equity (YTD only)
  • 2.19%Net charge-offs to loans
  • 185.60%Credit loss provision to net charge-offs
  • 0.64%Efficiency ratio
  • 75,875Assets per employee
  • 3.43%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.43%Loss allowance to noncurrent loans
  • 160.66%Noncurrent assets plus other real estate owned to assets
  • 1.61%Noncurrent loans to loans
  • 2.13%Net loans and leases to deposits
  • 99.20%Net loans and leases to core deposits
  • 110.07%Equity capital to assets
  • 7.93%Core capital (leverage) ratio
  • 7.98%Tier 1 risk-based capital ratio
  • 11.03%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $74,555Average earning assets
  • $5,825Average equity
  • $67,468Average loans
1
Virginia cardwell
⚠
May 19, 2023 @ 11:11 am
How do I find out about the savings account that I had when you closed.

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