Powell County Bank, National Association in Campton, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of September 30, 2000

  • Powell County Bank, National Association in Campton, Kentucky (KY)
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Powell County Bank, National Association - Overview

  • General
  • FDIC Certificate #: 9683
    Status: Inactive
    Closing history: Change in Primary Regulatory Agency
    Acquiring institution: Whitaker Bank (#32912)
    Federal Reserve ID: 342719
    Date Established: January 01, 1922
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 2 (Interstate: No)
    OTS Docket #: 12540
    FDIC's unique #: 6197
    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: September 30, 2000
    Last Structure Change Process Date: October 27, 2000
    Last Data Update: October 27, 2000
    Data Source Date: April 05, 2012
  • Location
  • Address: 200 South Kentucky Highway 15, Campton, KY 41301
    County: Wolfe
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Lexington
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Southeast
  • History of Changes
  • Merger - Without Assistance
    Name Change
    Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $112.4 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, 1999)

  • Dollar figures in thousands
  • 43Total employees (full-time equivalent)
  • $107,817Total assets
  • $4,306Cash and due from depository institutions
  • $0Interest-bearing balances
  • $16,495Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $84,049Net loans & leases
  • $1,716Loan loss allowance
  • $0Trading account assets
  • $1,106Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $1,861All other assets
  • $107,817Total liabilities and capital
  • $101,211Total liabilities
  • $85,152Total deposits
  • $74,093Interest-bearing deposits
  • $85,152Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $2,212Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $13,061Other borrowed funds
  • $0Subordinated debt
  • $786All other liabilities
  • $6,606Total equity capital
  • $6,606Total bank equity capital
  • $6,606Perpetual preferred stock
  • $0Common stock
  • $500Surplus
  • $4,000Undivided profits
  • Memoranda
  • $2,106Noncurrent loans and leases
  • $3,976Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $141Earning assets
  • $0Long-term assets (5+ years)
  • $1,059Average Assets, year-to-date
  • $100,544Average Assets, quarterly
  • $27,191Volatile liabilities
  • $104,714Insider loans
  • $107,372FHLB advances
  • $18,208Loans and leases held for sale
  • $480Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $3,976Total unused commitments
  • $0Restructured Loans and leases
  • $926Derivatives

Income and Expense (December 31, 1999)

  • Dollar figures in thousands
  • $8,542Total interest income
  • $4,065Total interest expense
  • $4,477Net interest income
  • $157Provision for loan and lease losses
  • $620Total noninterest income
  • $0Fiduciary activities
  • $434Service charges on deposit accounts
  • $0Trading account gains & fees
  • $186Additional noninterest income
  • $2,669Total noninterest expense
  • $1,216Salaries and employee benefits
  • $304Premises and equipment expense
  • $1,149Additional noninterest expense
  • $2,271Pre-tax net operating income
  • $8Securities gains (losses)
  • $728Applicable income taxes
  • $1,551Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,551Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $5Sale, conversion, retirement of capital stock, net
  • $875Net operating income

Performance and Condition Ratios (December 31, 1999)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.68%Yield on earning assets
  • 4.13%Cost of funding earning assets
  • 4.55%Net interest margin
  • 0.63%Noninterest income to earning assets
  • 2.71%Noninterest expense to earning assets
  • 1.48%Net operating income to assets
  • 1.48%Return on assets (ROA)
  • 2.18%Pretax return on assets
  • 23.67%Return on equity (ROE)
  • 10.31%Retained earnings to average equity (YTD only)
  • 0.01%Net charge-offs to loans
  • 3140.00%Credit loss provision to net charge-offs
  • 485.60%Efficiency ratio
  • 52,364Assets per employee
  • 2.51%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 56.42%Loss allowance to loans
  • 2.00%Loss allowance to noncurrent loans
  • 1217.02%Noncurrent assets plus other real estate owned to assets
  • 0.13%Noncurrent loans to loans
  • 0.16%Net loans and leases to deposits
  • 98.70%Net loans and leases to core deposits
  • 121.54%Equity capital to assets
  • 6.13%Core capital (leverage) ratio
  • 6.39%Tier 1 risk-based capital ratio
  • 9.37%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $104,714Average earning assets
  • $6,554Average equity
  • $98,429Average loans

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