Bank of Murray in Murray, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of November 17, 1994

Bank of Murray in Murray, Kentucky (KY)
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Bank of Murray - Overview

General
FDIC Certificate #: 12158
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Union Planters Bank of Kentucky, National Association (#2763)
Federal Reserve ID: 404345
Date Established: November 15, 1932
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 3 (Interstate: No)
FDIC's unique #: 7720
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: January 01, 1934
Last Structure Change Effective Date: November 17, 1994
Last Structure Change Process Date: November 29, 1994
Last Data Update: November 29, 1994
Data Source Date: April 05, 2012
Location
Address: 4th And Main Streets, Murray, KY 42071
County: Calloway
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): Murray, KY (#34660)
CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $260.2 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

Dollar figures in thousands
0Total employees (full-time equivalent)
$97Total assets
$254,405Cash and due from depository institutions
$8,952Interest-bearing balances
$0Securities
$86,074Federal funds sold & reverse repurchase agreements
$0Net loans & leases
$142,237Loan loss allowance
$2,099Trading account assets
$0Bank premises and fixed assets
$3,525Other real estate owned
$255Goodwill and other intangibles
$2,760Life insurance assets
$10,602All other assets
$0Total liabilities and capital
$254,405Total liabilities
$221,371Total deposits
$215,815Interest-bearing deposits
$192,998Deposits held in domestic offices
215815.00%% insured (estimated)
$90Federal funds purchased & repurchase agreements
$4,100Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$1,456Total equity capital
$1,456Total bank equity capital
$33,034Perpetual preferred stock
$0Common stock
$1,480Surplus
$31,040Undivided profits
Memoranda
$514Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$282Income earned, not collected on loans
$1,059Earning assets
$228,311Long-term assets (5+ years)
$11,269Average Assets, year-to-date
$252,213Average Assets, quarterly
$255,864Volatile liabilities
$30,924Insider loans
$2,814FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$12,783Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$22,432Total risk weighted assets
$135,780Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1993)

Dollar figures in thousands
$0Total interest income
$15,659Total interest expense
$7,191Net interest income
$8,468Provision for loan and lease losses
$440Total noninterest income
$1,241Fiduciary activities
$120Service charges on deposit accounts
$799Trading account gains & fees
$0Additional noninterest income
$322Total noninterest expense
$6,574Salaries and employee benefits
$2,757Premises and equipment expense
$621Additional noninterest expense
$3,196Pre-tax net operating income
$2,695Securities gains (losses)
$1Applicable income taxes
$919Income before extraordinary items
$1,777Extraordinary gains - net
$0Net income attributable to bank
$1,777Net charge-offs
$74Cash dividends
$1,400Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1993)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
6.94%Cost of funding earning assets
3.19%Net interest margin
3.75%Noninterest income to earning assets
0.55%Noninterest expense to earning assets
2.91%Net operating income to assets
0.70%Return on assets (ROA)
0.70%Pretax return on assets
1.07%Return on equity (ROE)
5.41%Retained earnings to average equity (YTD only)
1.15%Net charge-offs to loans
0.06%Credit loss provision to net charge-offs
594.59%Efficiency ratio
59,522Assets per employee
2.62%Cash dividends to net income (YTD only)
Condition Ratios (%)
78.78%Loss allowance to loans
1.45%Loss allowance to noncurrent loans
744.33%Noncurrent assets plus other real estate owned to assets
0.21%Noncurrent loans to loans
0.20%Net loans and leases to deposits
65.91%Net loans and leases to core deposits
75.26%Equity capital to assets
12.98%Core capital (leverage) ratio
9.16%Tier 1 risk-based capital ratio
16.52%Total risk-based capital ratio
Memoranda
$18Average assets
$252,213Average earning assets
$32,864Average equity
$225,597Average loans

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