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

This bank is inactive as of March 24, 1995

  • Trans Financial Bank, National Association in Bowling Green, Kentucky (KY)
  • Show street view No street view available for this location

Trans Financial Bank, National Association - Overview

  • General
  • FDIC Certificate #: 2732
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: Trans Financial Bank, National Association (#17127)
    Federal Reserve ID: 821746
    Date Established: July 15, 1901
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 24 (Interstate: No)
    OTS Docket #: 9727
    FDIC's unique #: 1773
    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: March 24, 1995
    Last Structure Change Process Date: May 03, 1995
    Last Data Update: April 11, 1998
    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: Chicago
    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: $787.1 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)
  • $358Total assets
  • $787,071Cash and due from depository institutions
  • $47,854Interest-bearing balances
  • $28Securities
  • $118,498Federal funds sold & reverse repurchase agreements
  • $23,300Net loans & leases
  • $565,980Loan loss allowance
  • $6,810Trading account assets
  • $0Bank premises and fixed assets
  • $14,374Other real estate owned
  • $3,796Goodwill and other intangibles
  • $12,567Life insurance assets
  • $702All other assets
  • $0Total liabilities and capital
  • $787,071Total liabilities
  • $722,378Total deposits
  • $636,242Interest-bearing deposits
  • $520,953Deposits held in domestic offices
  • 636242.00%% insured (estimated)
  • $83Federal funds purchased & repurchase agreements
  • $66,827Trading liabilities
  • $0Other borrowed funds
  • $15,000Subordinated debt
  • $0All other liabilities
  • $4,309Total equity capital
  • $4,309Total bank equity capital
  • $64,693Perpetual preferred stock
  • $0Common stock
  • $14,473Surplus
  • $23,183Undivided profits
  • Memoranda
  • $27,037Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,763Income earned, not collected on loans
  • $4,803Earning assets
  • $707,806Long-term assets (5+ years)
  • $104,299Average Assets, year-to-date
  • $762,707Average Assets, quarterly
  • $772,206Volatile liabilities
  • $127,937Insider loans
  • $31,900FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $153,062Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $67,570Total risk weighted assets
  • $627,782Total unused commitments
  • $0Restructured Loans and leases
  • $20,000Derivatives

Income and Expense (December 31, 1994)

  • Dollar figures in thousands
  • $0Total interest income
  • $55,314Total interest expense
  • $20,000Net interest income
  • $35,314Provision for loan and lease losses
  • $1,318Total noninterest income
  • $10,791Fiduciary activities
  • $1,230Service charges on deposit accounts
  • $4,455Trading account gains & fees
  • $0Additional noninterest income
  • $5,106Total noninterest expense
  • $27,024Salaries and employee benefits
  • $10,291Premises and equipment expense
  • $4,759Additional noninterest expense
  • $11,974Pre-tax net operating income
  • $17,763Securities gains (losses)
  • $132Applicable income taxes
  • $5,649Income before extraordinary items
  • $12,246Extraordinary gains - net
  • $0Net income attributable to bank
  • $12,246Net charge-offs
  • $654Cash dividends
  • $6,480Sale, 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
  • 7.99%Cost of funding earning assets
  • 2.89%Net interest margin
  • 5.10%Noninterest income to earning assets
  • 1.56%Noninterest expense to earning assets
  • 3.91%Net operating income to assets
  • 1.59%Return on assets (ROA)
  • 1.61%Pretax return on assets
  • 2.35%Return on equity (ROE)
  • 19.12%Retained earnings to average equity (YTD only)
  • 9.00%Net charge-offs to loans
  • 0.12%Credit loss provision to net charge-offs
  • 201.53%Efficiency ratio
  • 58,477Assets per employee
  • 2.20%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 52.92%Loss allowance to loans
  • 1.19%Loss allowance to noncurrent loans
  • 142.98%Noncurrent assets plus other real estate owned to assets
  • 0.93%Noncurrent loans to loans
  • 0.83%Net loans and leases to deposits
  • 88.96%Net loans and leases to core deposits
  • 95.91%Equity capital to assets
  • 8.22%Core capital (leverage) ratio
  • 8.84%Tier 1 risk-based capital ratio
  • 10.76%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $762,707Average earning assets
  • $64,035Average equity
  • $691,958Average loans

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