Trans Financial Bank, Federal Savings Bank in Russellville, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of April 21, 1995

Trans Financial Bank, Federal Savings Bank in Russellville, Kentucky (KY)
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Trans Financial Bank, Federal Savings Bank - Overview

General
FDIC Certificate #: 28960
Status: Inactive
Closing history: Corrections
Acquiring institution: Trans Financial Bank, FSB (#30772)
Federal Reserve ID: 745075
Date Established: June 01, 1934
Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
OTS Docket #: 2690
FDIC's unique #: 41794
Numeric code: 33
Regulator: OTS
Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
FDIC Insured: Yes
SAIF Insured: Yes
Insured Savings Institution: Yes
State Chartered: No
Date of Deposit Insurance: November 23, 1934
Last Structure Change Effective Date: April 21, 1995
Last Structure Change Process Date: June 30, 1995
Last Data Update: July 21, 1997
Data Source Date: April 05, 2012
Location
Address: 135 West Fourth St, Russellville, KY 42276
County: Logan
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
History of Changes
Merger - Without Assistance
Corrections
Financial Summary
Total assets: $53.9 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

Dollar figures in thousands
0Total employees (full-time equivalent)
$13Total assets
$53,293Cash and due from depository institutions
$834Interest-bearing balances
$5Securities
$11,057Federal funds sold & reverse repurchase agreements
$700Net loans & leases
$38,404Loan loss allowance
$127Trading account assets
$0Bank premises and fixed assets
$1,189Other real estate owned
$108Goodwill and other intangibles
$1,001Life insurance assets
$0All other assets
$0Total liabilities and capital
$53,293Total liabilities
$49,029Total deposits
$45,905Interest-bearing deposits
$45,905Deposits held in domestic offices
45905.00%% insured (estimated)
$93Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$3,000Subordinated debt
$0All other liabilities
$124Total equity capital
$124Total bank equity capital
$4,264Perpetual preferred stock
$0Common stock
$10Surplus
$4,280Undivided profits
Memoranda
$-26Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$78Income earned, not collected on loans
$247Earning assets
$50,166Long-term assets (5+ years)
$0Average Assets, year-to-date
$54,089Average Assets, quarterly
$53,703Volatile liabilities
$8,892Insider loans
$221FHLB advances
$3,000Loans and leases held for sale
$0Unused loan commitments
$2,744Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$4,264Total risk weighted assets
$34,283Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1994)

Dollar figures in thousands
$0Total interest income
$3,640Total interest expense
$1,855Net interest income
$1,785Provision for loan and lease losses
$170Total noninterest income
$416Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$0Additional noninterest income
$416Total noninterest expense
$1,290Salaries and employee benefits
$480Premises and equipment expense
$266Additional noninterest expense
$544Pre-tax net operating income
$741Securities gains (losses)
$0Applicable income taxes
$201Income before extraordinary items
$540Extraordinary gains - net
$0Net income attributable to bank
$540Net charge-offs
$148Cash dividends
$800Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1994)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
7.11%Cost of funding earning assets
3.62%Net interest margin
3.49%Noninterest income to earning assets
0.81%Noninterest expense to earning assets
2.52%Net operating income to assets
1.00%Return on assets (ROA)
1.00%Pretax return on assets
1.37%Return on equity (ROE)
11.68%Retained earnings to average equity (YTD only)
-5.62%Net charge-offs to loans
0.38%Credit loss provision to net charge-offs
114.86%Efficiency ratio
58,610Assets per employee
4.10%Cash dividends to net income (YTD only)
Condition Ratios (%)
148.15%Loss allowance to loans
0.33%Loss allowance to noncurrent loans
162.82%Noncurrent assets plus other real estate owned to assets
0.35%Noncurrent loans to loans
0.20%Net loans and leases to deposits
83.66%Net loans and leases to core deposits
95.98%Equity capital to assets
8.00%Core capital (leverage) ratio
8.00%Tier 1 risk-based capital ratio
12.44%Total risk-based capital ratio
Memoranda
$13Average assets
$54,089Average earning assets
$4,622Average equity
$51,180Average loans

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