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

This bank is inactive as of October 07, 1999

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

  • General
  • FDIC Certificate #: 2744
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Old National Bank (#4393)
    Federal Reserve ID: 501945
    Date Established: March 19, 1902
    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 #: 9728
    FDIC's unique #: 1782
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Oakar Institutions: Yes
    State Chartered: No
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: October 07, 1999
    Last Structure Change Process Date: November 03, 1999
    Last Data Update: November 03, 1999
    Data Source Date: April 05, 2012
  • Location
  • Address: 306 Lake Street, Fulton, KY 42041
    County: Fulton
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Hopkinsville
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Southeast
    Combined Statistical Area (CSA): Union City-Martin, TN-KY (#542)
    Core Based Statistical Area (CBSA): Union City, TN-KY (#46460)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $103.8 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
  • 42Total employees (full-time equivalent)
  • $104,975Total assets
  • $1,281Cash and due from depository institutions
  • $100Interest-bearing balances
  • $44,776Securities
  • $2,450Federal funds sold & reverse repurchase agreements
  • $51,730Net loans & leases
  • $659Loan loss allowance
  • $0Trading account assets
  • $1,109Bank premises and fixed assets
  • $0Other real estate owned
  • $590Goodwill and other intangibles
  • $0Life insurance assets
  • $3,039All other assets
  • $104,975Total liabilities and capital
  • $95,257Total liabilities
  • $83,563Total deposits
  • $74,808Interest-bearing deposits
  • $83,563Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $9,905Other borrowed funds
  • $0Subordinated debt
  • $1,789All other liabilities
  • $9,718Total equity capital
  • $9,718Total bank equity capital
  • $9,718Perpetual preferred stock
  • $0Common stock
  • $360Surplus
  • $2,251Undivided profits
  • Memoranda
  • $7,107Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $8Earning assets
  • $0Long-term assets (5+ years)
  • $556Average Assets, year-to-date
  • $99,056Average Assets, quarterly
  • $46,120Volatile liabilities
  • $102,496Insider loans
  • $101,522FHLB advances
  • $8,259Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $7,637Total unused commitments
  • $0Restructured Loans and leases
  • $57,716Derivatives

Income and Expense (December 31, 1998)

  • Dollar figures in thousands
  • $7,331Total interest income
  • $3,687Total interest expense
  • $3,644Net interest income
  • $5Provision for loan and lease losses
  • $997Total noninterest income
  • $0Fiduciary activities
  • $485Service charges on deposit accounts
  • $0Trading account gains & fees
  • $512Additional noninterest income
  • $2,995Total noninterest expense
  • $1,571Salaries and employee benefits
  • $252Premises and equipment expense
  • $1,172Additional noninterest expense
  • $1,641Pre-tax net operating income
  • $0Securities gains (losses)
  • $340Applicable income taxes
  • $1,301Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,301Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $14Sale, conversion, retirement of capital stock, net
  • $1,810Net operating income

Performance and Condition Ratios (December 31, 1998)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.62%Yield on earning assets
  • 3.83%Cost of funding earning assets
  • 3.79%Net interest margin
  • 1.04%Noninterest income to earning assets
  • 3.11%Noninterest expense to earning assets
  • 1.27%Net operating income to assets
  • 1.27%Return on assets (ROA)
  • 1.60%Pretax return on assets
  • 13.38%Return on equity (ROE)
  • -5.24%Retained earnings to average equity (YTD only)
  • 0.03%Net charge-offs to loans
  • 35.71%Credit loss provision to net charge-offs
  • 117.57%Efficiency ratio
  • 63,499Assets per employee
  • 2.50%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 139.12%Loss allowance to loans
  • 1.26%Loss allowance to noncurrent loans
  • 8237.50%Noncurrent assets plus other real estate owned to assets
  • 0.01%Noncurrent loans to loans
  • 0.02%Net loans and leases to deposits
  • 61.91%Net loans and leases to core deposits
  • 68.69%Equity capital to assets
  • 9.26%Core capital (leverage) ratio
  • 8.32%Tier 1 risk-based capital ratio
  • 14.93%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $102,496Average earning assets
  • $9,720Average equity
  • $96,174Average loans

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