Trans Financial Bank, National Association in Bowling Green, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of August 21, 1998

  • Trans Financial Bank, National Association in Bowling Green, Kentucky (KY)
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Trans Financial Bank, National Association - Overview

  • General
  • FDIC Certificate #: 17127
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: U.S. Bank National Association (#6548)
    Federal Reserve ID: 821746
    Date Established: July 15, 1952
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 31 (Interstate: No)
    OTS Docket #: 9727
    FDIC's unique #: 11170
    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: July 15, 1952
    Last Structure Change Effective Date: August 21, 1998
    Last Structure Change Process Date: September 10, 1998
    Last Data Update: September 30, 1999
    Data Source Date: April 05, 2012
  • Location
  • Address: 500 East Main Street, Bowling Green, KY 42101
    County: Warren
    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
    Core Based Statistical Area (CBSA): Bowling Green, KY (#14540)
    CBSA Metro Statistical Area: Bowling Green, KY (#14540)
  • History of Changes
  • Merger - Without Assistance
    Corrections
  • Financial Summary
  • Total assets: $1,767.7 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1997)

  • Dollar figures in thousands
  • 692Total employees (full-time equivalent)
  • $1,610,145Total assets
  • $55,131Cash and due from depository institutions
  • $255Interest-bearing balances
  • $205,853Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $1,237,590Net loans & leases
  • $16,679Loan loss allowance
  • $0Trading account assets
  • $26,868Bank premises and fixed assets
  • $631Other real estate owned
  • $51,004Goodwill and other intangibles
  • $0Life insurance assets
  • $33,068All other assets
  • $1,610,145Total liabilities and capital
  • $1,472,850Total liabilities
  • $1,164,200Total deposits
  • $967,626Interest-bearing deposits
  • $1,164,200Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $132,157Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $155,000Other borrowed funds
  • $0Subordinated debt
  • $21,493All other liabilities
  • $137,295Total equity capital
  • $137,295Total bank equity capital
  • $137,295Perpetual preferred stock
  • $0Common stock
  • $17,000Surplus
  • $45,804Undivided profits
  • Memoranda
  • $74,491Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $19,556Earning assets
  • $0Long-term assets (5+ years)
  • $9,926Average Assets, year-to-date
  • $1,443,698Average Assets, quarterly
  • $160,017Volatile liabilities
  • $1,703,084Insider loans
  • $1,566,403FHLB advances
  • $475,173Loans and leases held for sale
  • $92,874Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $118,485Total risk weighted assets
  • $333,183Total unused commitments
  • $0Restructured Loans and leases
  • $1,298,229Derivatives

Income and Expense (December 31, 1997)

  • Dollar figures in thousands
  • $134,967Total interest income
  • $66,158Total interest expense
  • $68,809Net interest income
  • $7,300Provision for loan and lease losses
  • $31,384Total noninterest income
  • $2,475Fiduciary activities
  • $8,565Service charges on deposit accounts
  • $0Trading account gains & fees
  • $20,344Additional noninterest income
  • $57,413Total noninterest expense
  • $25,780Salaries and employee benefits
  • $9,117Premises and equipment expense
  • $22,516Additional noninterest expense
  • $35,480Pre-tax net operating income
  • -$117Securities gains (losses)
  • $11,673Applicable income taxes
  • $23,690Income before extraordinary items
  • $0Extraordinary gains - net
  • $23,690Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $4,077Sale, conversion, retirement of capital stock, net
  • $7,000Net operating income

Performance and Condition Ratios (December 31, 1997)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.92%Yield on earning assets
  • 4.37%Cost of funding earning assets
  • 4.55%Net interest margin
  • 2.08%Noninterest income to earning assets
  • 3.80%Noninterest expense to earning assets
  • 1.40%Net operating income to assets
  • 1.39%Return on assets (ROA)
  • 2.08%Pretax return on assets
  • 16.65%Return on equity (ROE)
  • 11.73%Retained earnings to average equity (YTD only)
  • 0.31%Net charge-offs to loans
  • 179.05%Credit loss provision to net charge-offs
  • 10.49%Efficiency ratio
  • 56,795Assets per employee
  • 2.33%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 29.55%Loss allowance to loans
  • 1.33%Loss allowance to noncurrent loans
  • 85.29%Noncurrent assets plus other real estate owned to assets
  • 1.25%Noncurrent loans to loans
  • 1.56%Net loans and leases to deposits
  • 106.30%Net loans and leases to core deposits
  • 138.87%Equity capital to assets
  • 8.53%Core capital (leverage) ratio
  • 8.42%Tier 1 risk-based capital ratio
  • 10.13%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $1,703,084Average earning assets
  • $142,321Average equity
  • $1,512,347Average loans

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