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- Banks in Kentucky (KY)
- Southern Deposit Bank
Southern Deposit Bank in Russellville, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches
This bank is inactive as of October 02, 2000
- Southern Deposit Bank in Russellville, Kentucky (KY)
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Southern Deposit Bank - Overview
- General
- FDIC Certificate #: 271
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Area Bank (#18478)
Federal Reserve ID: 178347
Date Established: January 01, 1916
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 3 (Interstate: No)
OTS Docket #: 9539
FDIC's unique #: 217
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: January 01, 1934
Last Structure Change Effective Date: October 02, 2000
Last Structure Change Process Date: December 08, 2000
Last Data Update: December 08, 2000
Data Source Date: April 05, 2012 - Location
- Address: 102 West Park Square, Russellville, KY 42276
County: Logan
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Dallas
FDIC Field Office: Hopkinsville
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Southeast - Financial Summary
- Total assets: $81.7 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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
- 25Total employees (full-time equivalent)
- $80,819Total assets
- $2,783Cash and due from depository institutions
- $148Interest-bearing balances
- $19,774Securities
- $2,325Federal funds sold & reverse repurchase agreements
- $53,310Net loans & leases
- $674Loan loss allowance
- $0Trading account assets
- $933Bank premises and fixed assets
- $0Other real estate owned
- $875Goodwill and other intangibles
- $0Life insurance assets
- $819All other assets
- $80,819Total liabilities and capital
- $73,800Total liabilities
- $60,953Total deposits
- $53,185Interest-bearing deposits
- $60,953Deposits held in domestic offices
- 0.00%% insured (estimated)
- $1,133Federal funds purchased & repurchase agreements
- $0Trading liabilities
- $11,000Other borrowed funds
- $0Subordinated debt
- $714All other liabilities
- $7,019Total equity capital
- $7,019Total bank equity capital
- $7,019Perpetual preferred stock
- $0Common stock
- $1,000Surplus
- $5,204Undivided profits
- Memoranda
- $815Noncurrent loans and leases
- $11,332Noncurrent loans that are wholly or partially guaranteed by the U.S. government
- $0Income earned, not collected on loans
- $15Earning assets
- $0Long-term assets (5+ years)
- $446Average Assets, year-to-date
- $75,557Average Assets, quarterly
- $17,501Volatile liabilities
- $74,834Insider loans
- $76,699FHLB advances
- $20,777Loans and leases held for sale
- $1,751Unused loan commitments
- $0Tier 1 (core) risk-based capital
- $0Tier 2 risk-based capital
- $0Total risk weighted assets
- $11,332Total unused commitments
- $0Restructured Loans and leases
- $674Derivatives
Income and Expense (December 31, 1999)
- Dollar figures in thousands
- $5,491Total interest income
- $2,378Total interest expense
- $3,113Net interest income
- $20Provision for loan and lease losses
- $591Total noninterest income
- $0Fiduciary activities
- $379Service charges on deposit accounts
- $0Trading account gains & fees
- $212Additional noninterest income
- $2,180Total noninterest expense
- $942Salaries and employee benefits
- $242Premises and equipment expense
- $996Additional noninterest expense
- $1,504Pre-tax net operating income
- $0Securities gains (losses)
- $464Applicable income taxes
- $1,040Income before extraordinary items
- $0Extraordinary gains - net
- $1,040Net income attributable to bank
- $0Net charge-offs
- $0Cash dividends
- $79Sale, conversion, retirement of capital stock, net
- $1,347Net operating income
Performance and Condition Ratios (December 31, 1999)
- Dollar figures in thousands
- Performance Ratios (%, annualized)
- 7.87%Yield on earning assets
- 3.41%Cost of funding earning assets
- 4.46%Net interest margin
- 0.85%Noninterest income to earning assets
- 3.12%Noninterest expense to earning assets
- 1.39%Net operating income to assets
- 1.39%Return on assets (ROA)
- 2.01%Pretax return on assets
- 14.62%Return on equity (ROE)
- -4.32%Retained earnings to average equity (YTD only)
- 0.15%Net charge-offs to loans
- 25.32%Credit loss provision to net charge-offs
- 19.29%Efficiency ratio
- 50,972Assets per employee
- 3.23%Cash dividends to net income (YTD only)
- Condition Ratios (%)
- 129.52%Loss allowance to loans
- 1.25%Loss allowance to noncurrent loans
- 4493.33%Noncurrent assets plus other real estate owned to assets
- 0.02%Noncurrent loans to loans
- 0.03%Net loans and leases to deposits
- 87.46%Net loans and leases to core deposits
- 101.91%Equity capital to assets
- 8.68%Core capital (leverage) ratio
- 7.85%Tier 1 risk-based capital ratio
- 11.35%Total risk-based capital ratio
- Memoranda
- $13Average assets
- $74,834Average earning assets
- $7,113Average equity
- $69,787Average loans
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- Banks in Kentucky (KY)
- Southern Deposit Bank
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