West Kentucky Bank in Madisonville, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 31, 2001

  • West Kentucky Bank in Madisonville, Kentucky (KY)
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West Kentucky Bank - Overview

  • General
  • FDIC Certificate #: 15683
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Integra Bank National Association (#4392)
    Federal Reserve ID: 984249
    Date Established: September 07, 1939
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 7 (Interstate: No)
    OTS Docket #: 9575
    FDIC's unique #: 9953
    Numeric code: 21
    Regulator: FDIC
    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: September 07, 1939
    Last Structure Change Effective Date: January 31, 2001
    Last Structure Change Process Date: Febuary 07, 2001
    Last Data Update: Febuary 07, 2001
    Data Source Date: April 05, 2012
  • Location
  • Address: 1760 North Main Street, Madisonville, KY 42431
    County: Hopkins
    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): Madisonville, KY (#31580)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $293.9 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, 2000)

  • Dollar figures in thousands
  • 91Total employees (full-time equivalent)
  • $293,906Total assets
  • $1,811Cash and due from depository institutions
  • $2Interest-bearing balances
  • $100,841Securities
  • $17,999Federal funds sold & reverse repurchase agreements
  • $164,031Net loans & leases
  • $6,227Loan loss allowance
  • $0Trading account assets
  • $3,397Bank premises and fixed assets
  • $271Other real estate owned
  • $378Goodwill and other intangibles
  • $0Life insurance assets
  • $5,178All other assets
  • $293,906Total liabilities and capital
  • $274,157Total liabilities
  • $250,746Total deposits
  • $236,990Interest-bearing deposits
  • $250,746Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $10,351Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $11,239Other borrowed funds
  • $0Subordinated debt
  • $1,821All other liabilities
  • $19,749Total equity capital
  • $19,749Total bank equity capital
  • $19,749Perpetual preferred stock
  • $0Common stock
  • $50Surplus
  • $5,059Undivided profits
  • Memoranda
  • $14,640Noncurrent loans and leases
  • $7,417Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $2,171Earning assets
  • $0Long-term assets (5+ years)
  • $1,678Average Assets, year-to-date
  • $282,873Average Assets, quarterly
  • $95,538Volatile liabilities
  • $293,203Insider loans
  • $293,123FHLB advances
  • $46,779Loans and leases held for sale
  • $2,344Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $7,417Total unused commitments
  • $0Restructured Loans and leases
  • $1,959Derivatives

Income and Expense (December 31, 2000)

  • Dollar figures in thousands
  • $22,060Total interest income
  • $14,123Total interest expense
  • $7,937Net interest income
  • $5,341Provision for loan and lease losses
  • $1,225Total noninterest income
  • $4Fiduciary activities
  • $583Service charges on deposit accounts
  • $0Trading account gains & fees
  • $638Additional noninterest income
  • $5,671Total noninterest expense
  • $3,390Salaries and employee benefits
  • $768Premises and equipment expense
  • $1,513Additional noninterest expense
  • -$1,850Pre-tax net operating income
  • $6Securities gains (losses)
  • -$799Applicable income taxes
  • -$1,045Income before extraordinary items
  • $0Extraordinary gains - net
  • -$1,045Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $289Sale, conversion, retirement of capital stock, net
  • $532Net operating income

Performance and Condition Ratios (December 31, 2000)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.89%Yield on earning assets
  • 5.05%Cost of funding earning assets
  • 2.84%Net interest margin
  • 0.44%Noninterest income to earning assets
  • 2.03%Noninterest expense to earning assets
  • -0.36%Net operating income to assets
  • -0.36%Return on assets (ROA)
  • -0.63%Pretax return on assets
  • -5.22%Return on equity (ROE)
  • -7.88%Retained earnings to average equity (YTD only)
  • 0.17%Net charge-offs to loans
  • 1848.10%Credit loss provision to net charge-offs
  • 12.08%Efficiency ratio
  • 61,570Assets per employee
  • 3.23%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • -50.91%Loss allowance to loans
  • 3.66%Loss allowance to noncurrent loans
  • 286.83%Noncurrent assets plus other real estate owned to assets
  • 0.83%Noncurrent loans to loans
  • 1.28%Net loans and leases to deposits
  • 65.42%Net loans and leases to core deposits
  • 76.54%Equity capital to assets
  • 6.72%Core capital (leverage) ratio
  • 5.92%Tier 1 risk-based capital ratio
  • 11.56%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $293,203Average earning assets
  • $20,025Average equity
  • $279,709Average loans

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