Bank One, Western Kentucky, National Association in Hopkinsville, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of March 11, 1996

  • Bank One, Western Kentucky, National Association in Hopkinsville, Kentucky (KY)
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Bank One, Western Kentucky, National Association - Overview

  • General
  • FDIC Certificate #: 29538
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: Bank One, Kentucky, National Association (#14985)
    Federal Reserve ID: 448273
    Date Established: October 07, 1935
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 9 (Interstate: No)
    OTS Docket #: 3622
    FDIC's unique #: 42372
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    SAIF Insured: Yes
    Oakar Institutions: Yes
    State Chartered: No
    Date of Deposit Insurance: October 07, 1935
    Last Structure Change Effective Date: March 11, 1996
    Last Structure Change Process Date: March 22, 1996
    Last Data Update: March 22, 1996
    Data Source Date: April 05, 2012
  • Location
  • Address: 1101 South Main Street, Hopkinsville, KY 42240
    County: Christian
    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
    Metropolitan Statistical Area (MSA): Clarksville-Hopkinsville, TN-KY (#1660)
    Core Based Statistical Area (CBSA): Clarksville, TN-KY (#17300)
    CBSA Metro Statistical Area: Clarksville, TN-KY (#17300)
  • History of Changes
  • Merger - Without Assistance
    Corrections
  • Financial Summary
  • Total assets: $228.8 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $107Total assets
  • $228,789Cash and due from depository institutions
  • $13,490Interest-bearing balances
  • $0Securities
  • $26,712Federal funds sold & reverse repurchase agreements
  • $63,440Net loans & leases
  • $119,665Loan loss allowance
  • $1,659Trading account assets
  • $0Bank premises and fixed assets
  • $3,056Other real estate owned
  • $151Goodwill and other intangibles
  • $2,275Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $228,789Total liabilities
  • $207,202Total deposits
  • $204,129Interest-bearing deposits
  • $178,034Deposits held in domestic offices
  • 204129.00%% insured (estimated)
  • $92Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $437Subordinated debt
  • $0All other liabilities
  • $2,636Total equity capital
  • $2,636Total bank equity capital
  • $21,587Perpetual preferred stock
  • $0Common stock
  • $4,750Surplus
  • $6,090Undivided profits
  • Memoranda
  • $10,747Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $572Income earned, not collected on loans
  • $1,061Earning assets
  • $209,817Long-term assets (5+ years)
  • $19,063Average Assets, year-to-date
  • $225,617Average Assets, quarterly
  • $225,352Volatile liabilities
  • $15,763Insider loans
  • $74FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $7,998Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $21,382Total risk weighted assets
  • $115,217Total unused commitments
  • $0Restructured Loans and leases
  • $62,800Derivatives

Income and Expense (December 31, 1995)

  • Dollar figures in thousands
  • $0Total interest income
  • $16,289Total interest expense
  • $7,572Net interest income
  • $8,717Provision for loan and lease losses
  • $397Total noninterest income
  • $1,834Fiduciary activities
  • $0Service charges on deposit accounts
  • $1,216Trading account gains & fees
  • $0Additional noninterest income
  • $618Total noninterest expense
  • $6,021Salaries and employee benefits
  • $2,444Premises and equipment expense
  • $824Additional noninterest expense
  • $2,753Pre-tax net operating income
  • $4,133Securities gains (losses)
  • $0Applicable income taxes
  • $1,290Income before extraordinary items
  • $2,843Extraordinary gains - net
  • $0Net income attributable to bank
  • $2,843Net charge-offs
  • $296Cash dividends
  • $1,650Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1995)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.73%Cost of funding earning assets
  • 3.59%Net interest margin
  • 4.14%Noninterest income to earning assets
  • 0.87%Noninterest expense to earning assets
  • 2.86%Net operating income to assets
  • 1.26%Return on assets (ROA)
  • 1.26%Pretax return on assets
  • 1.83%Return on equity (ROE)
  • 13.81%Retained earnings to average equity (YTD only)
  • 5.79%Net charge-offs to loans
  • 0.20%Credit loss provision to net charge-offs
  • 134.12%Efficiency ratio
  • 57,066Assets per employee
  • 2.14%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 58.04%Loss allowance to loans
  • 1.37%Loss allowance to noncurrent loans
  • 290.03%Noncurrent assets plus other real estate owned to assets
  • 0.32%Noncurrent loans to loans
  • 0.47%Net loans and leases to deposits
  • 58.62%Net loans and leases to core deposits
  • 63.38%Equity capital to assets
  • 9.44%Core capital (leverage) ratio
  • 9.66%Tier 1 risk-based capital ratio
  • 18.56%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $225,617Average earning assets
  • $20,591Average equity
  • $210,636Average loans

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