FDIC Certificate #: 11364 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Wilson & Muir Bank & Trust Company (#17040) Federal Reserve ID: 111447 Date Established: January 01, 1893 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 2 (Interstate: No) FDIC's unique #: 7261 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 29, 1999 Last Structure Change Process Date: January 13, 2000 Last Data Update: January 13, 2000 Data Source Date: April 05, 2012
Location
Address: Main Street, Vine Grove, KY 40175 County: Hardin Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Dallas FDIC Field Office: Elizabethtown Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: Southeast Combined Statistical Area (CSA): Louisville-Jefferson County-Elizabethtown-Scottsburg, KY-IN (#350) Core Based Statistical Area (CBSA): Elizabethtown, KY (#21060) CBSA Metro Statistical Area: Elizabethtown, KY (#21060)
Financial Summary
Total assets: $34.0 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 1998)
Dollar figures in thousands
17Total employees (full-time equivalent)
$37,924Total assets
$1,420Cash and due from depository institutions
$0Interest-bearing balances
$9,369Securities
$4,123Federal funds sold & reverse repurchase agreements
$20,755Net loans & leases
$650Loan loss allowance
$0Trading account assets
$746Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$1,511All other assets
$37,924Total liabilities and capital
$36,062Total liabilities
$35,895Total deposits
$29,223Interest-bearing deposits
$35,895Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$167All other liabilities
$1,862Total equity capital
$1,862Total bank equity capital
$1,862Perpetual preferred stock
$0Common stock
$60Surplus
$1,940Undivided profits
Memoranda
$-138Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$514Earning assets
$0Long-term assets (5+ years)
$240Average Assets, year-to-date
$34,247Average Assets, quarterly
$1,098Volatile liabilities
$38,437Insider loans
$38,989FHLB advances
$3,605Loans and leases held for sale
$67Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$2,390Total unused commitments
$0Restructured Loans and leases
$24,499Derivatives
Income and Expense (December 31, 1998)
Dollar figures in thousands
$3,056Total interest income
$1,393Total interest expense
$1,663Net interest income
$2,362Provision for loan and lease losses
$200Total noninterest income
$0Fiduciary activities
$151Service charges on deposit accounts
$0Trading account gains & fees
$49Additional noninterest income
$1,320Total noninterest expense
$556Salaries and employee benefits
$137Premises and equipment expense
$627Additional noninterest expense
-$1,819Pre-tax net operating income
$0Securities gains (losses)
-$607Applicable income taxes
-$1,212Income before extraordinary items
$0Extraordinary gains - net
-$1,212Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$2,162Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 1998)
Dollar figures in thousands
Performance Ratios (%, annualized)
8.65%Yield on earning assets
3.94%Cost of funding earning assets
4.71%Net interest margin
0.57%Noninterest income to earning assets
3.73%Noninterest expense to earning assets
-3.15%Net operating income to assets
-3.15%Return on assets (ROA)
-4.73%Pretax return on assets
-41.61%Return on equity (ROE)
-41.61%Retained earnings to average equity (YTD only)
9.04%Net charge-offs to loans
109.25%Credit loss provision to net charge-offs
0.25%Efficiency ratio
70,853Assets per employee
2.23%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
3.04%Loss allowance to noncurrent loans
126.46%Noncurrent assets plus other real estate owned to assets
1.36%Noncurrent loans to loans
2.40%Net loans and leases to deposits
57.82%Net loans and leases to core deposits
64.28%Equity capital to assets
4.91%Core capital (leverage) ratio
4.26%Tier 1 risk-based capital ratio
7.01%Total risk-based capital ratio
Memoranda
$8Average assets
$38,437Average earning assets
$2,913Average equity
$35,342Average loans
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