The Vine Street Trust Company in Owensboro, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of July 12, 2002

  • The Vine Street Trust Company in Owensboro, Kentucky (KY)
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The Vine Street Trust Company - Overview

  • General
  • FDIC Certificate #: 27375
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Branch Banking and Trust Company (#9846)
    Federal Reserve ID: 1225734
    Date Established: October 31, 1988
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 4 (Interstate: No)
    OTS Docket #: 9377
    FDIC's unique #: 39695
    Numeric code: 13
    Regulator: FED
    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: October 31, 1988
    Last Structure Change Effective Date: July 12, 2002
    Last Structure Change Process Date: July 25, 2002
    Last Data Update: July 25, 2002
    Data Source Date: April 05, 2012
  • Location
  • Address: 230 Frederica Street, Owensboro, KY 42301
    County: Daviess
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Lexington
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Owensboro, KY (#5990)
    Core Based Statistical Area (CBSA): Owensboro, KY (#36980)
    CBSA Metro Statistical Area: Owensboro, KY (#36980)
  • Financial Summary
  • Total assets: $333.8 mil

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

2000 - 2011 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, 2001)

  • Dollar figures in thousands
  • 56Total employees (full-time equivalent)
  • $315,406Total assets
  • $14,212Cash and due from depository institutions
  • $120Interest-bearing balances
  • $9,152Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $285,838Net loans & leases
  • $3,260Loan loss allowance
  • $0Trading account assets
  • $1,087Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $5,117All other assets
  • $315,406Total liabilities and capital
  • $285,482Total liabilities
  • $248,974Total deposits
  • $217,645Interest-bearing deposits
  • $248,974Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $22,940Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $12,117Other borrowed funds
  • $0Subordinated debt
  • $1,451All other liabilities
  • $29,924Total equity capital
  • $29,924Total bank equity capital
  • $29,924Perpetual preferred stock
  • $0Common stock
  • $1,000Surplus
  • $14,500Undivided profits
  • Memoranda
  • $14,424Noncurrent loans and leases
  • $73,375Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $654Earning assets
  • $0Long-term assets (5+ years)
  • $1,424Average Assets, year-to-date
  • $295,110Average Assets, quarterly
  • $8,712Volatile liabilities
  • $293,906Insider loans
  • $306,638FHLB advances
  • $75,888Loans and leases held for sale
  • $12,548Unused loan commitments
  • $12,117Tier 1 (core) risk-based capital
  • $232Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $73,375Total unused commitments
  • $0Restructured Loans and leases
  • $3,260Derivatives

Income and Expense (December 31, 2001)

  • Dollar figures in thousands
  • $22,149Total interest income
  • $9,673Total interest expense
  • $12,476Net interest income
  • $580Provision for loan and lease losses
  • $2,475Total noninterest income
  • $1,521Fiduciary activities
  • $145Service charges on deposit accounts
  • $0Trading account gains & fees
  • $809Additional noninterest income
  • $7,085Total noninterest expense
  • $3,656Salaries and employee benefits
  • $1,146Premises and equipment expense
  • $2,283Additional noninterest expense
  • $7,286Pre-tax net operating income
  • $0Securities gains (losses)
  • $2,530Applicable income taxes
  • $4,756Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,756Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $1Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2001)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.99%Yield on earning assets
  • 3.49%Cost of funding earning assets
  • 4.50%Net interest margin
  • 0.89%Noninterest income to earning assets
  • 2.56%Noninterest expense to earning assets
  • 1.62%Net operating income to assets
  • 1.62%Return on assets (ROA)
  • 2.48%Pretax return on assets
  • 17.22%Return on equity (ROE)
  • 17.22%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 58000.00%Credit loss provision to net charge-offs
  • 7866.00%Efficiency ratio
  • 47,388Assets per employee
  • 5.63%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.13%Loss allowance to noncurrent loans
  • 498.47%Noncurrent assets plus other real estate owned to assets
  • 0.21%Noncurrent loans to loans
  • 0.23%Net loans and leases to deposits
  • 114.81%Net loans and leases to core deposits
  • 142.90%Equity capital to assets
  • 9.49%Core capital (leverage) ratio
  • 9.87%Tier 1 risk-based capital ratio
  • 10.59%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $293,906Average earning assets
  • $27,612Average equity
  • $277,133Average loans

Total Fiduciary and Related Assets (December 31, 2001)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $254,196Managed Assets
  • 1Number of Accounts
  • $242,047Personal trust and agency accounts
  • $35,908Employee benefit-defined contribution accounts
  • $16,551Employee benefit-defined benefit accounts
  • $4,781Other retirement accounts
  • $31,285Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $153,522Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 718Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $12,149Other retirement accounts
  • $2,649Corporate trust and agency accounts
  • $9,021Other fiduciary accounts
  • $479Fiduciary accounts held in foreign offices

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