Banterra Bank, National Association in Paducah, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of September 11, 1998

Banterra Bank, National Association in Paducah, Kentucky (KY)
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Banterra Bank, National Association - Overview

General
FDIC Certificate #: 14244
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Banterra Bank (#17514)
Federal Reserve ID: 263645
Date Established: January 01, 1899
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 3 (Interstate: No)
OTS Docket #: 13992
FDIC's unique #: 8893
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: No
Date of Deposit Insurance: April 16, 1934
Last Structure Change Effective Date: September 11, 1998
Last Structure Change Process Date: September 24, 1998
Last Data Update: September 24, 1998
Data Source Date: April 05, 2012
Location
Address: 3151 Parisa Drive, Paducah, KY 42001
County: Mccracken
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
Combined Statistical Area (CSA): Paducah-Mayfield, KY-IL (#424)
Core Based Statistical Area (CBSA): Paducah, KY-IL (#37140)
CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $84.2 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
34Total employees (full-time equivalent)
$80,021Total assets
$3,480Cash and due from depository institutions
$104Interest-bearing balances
$19,291Securities
$0Federal funds sold & reverse repurchase agreements
$53,630Net loans & leases
$938Loan loss allowance
$0Trading account assets
$2,251Bank premises and fixed assets
$83Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$1,286All other assets
$80,021Total liabilities and capital
$73,639Total liabilities
$72,765Total deposits
$68,471Interest-bearing deposits
$72,765Deposits held in domestic offices
0.00%% insured (estimated)
$400Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$474All other liabilities
$6,382Total equity capital
$6,382Total bank equity capital
$6,382Perpetual preferred stock
$0Common stock
$150Surplus
$1,350Undivided profits
Memoranda
$4,882Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$479Earning assets
$0Long-term assets (5+ years)
$741Average Assets, year-to-date
$73,025Average Assets, quarterly
$10,041Volatile liabilities
$74,043Insider loans
$78,658FHLB advances
$14,104Loans and leases held for sale
$358Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$6,821Total unused commitments
$0Restructured Loans and leases
$52,288Derivatives

Income and Expense (December 31, 1997)

Dollar figures in thousands
$5,626Total interest income
$3,251Total interest expense
$2,375Net interest income
$270Provision for loan and lease losses
$354Total noninterest income
$0Fiduciary activities
$188Service charges on deposit accounts
$0Trading account gains & fees
$166Additional noninterest income
$2,159Total noninterest expense
$1,051Salaries and employee benefits
$314Premises and equipment expense
$794Additional noninterest expense
$300Pre-tax net operating income
-$11Securities gains (losses)
$55Applicable income taxes
$234Income before extraordinary items
$0Extraordinary gains - net
$234Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$249Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1997)

Dollar figures in thousands
Performance Ratios (%, annualized)
8.25%Yield on earning assets
4.77%Cost of funding earning assets
3.48%Net interest margin
0.52%Noninterest income to earning assets
3.17%Noninterest expense to earning assets
0.33%Net operating income to assets
0.32%Return on assets (ROA)
0.39%Pretax return on assets
3.77%Return on equity (ROE)
3.77%Retained earnings to average equity (YTD only)
0.53%Net charge-offs to loans
108.43%Credit loss provision to net charge-offs
2.29%Efficiency ratio
79,113Assets per employee
2.35%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.72%Loss allowance to noncurrent loans
195.82%Noncurrent assets plus other real estate owned to assets
0.70%Noncurrent loans to loans
0.88%Net loans and leases to deposits
73.70%Net loans and leases to core deposits
90.80%Equity capital to assets
7.98%Core capital (leverage) ratio
8.07%Tier 1 risk-based capital ratio
12.15%Total risk-based capital ratio
Memoranda
$13Average assets
$74,043Average earning assets
$6,208Average equity
$68,190Average loans

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