First City Bank and Trust Company in city_name, state_name - Detailed Financial Reports, Location

First City Bank and Trust Company in Hopkinsville, Kentucky (KY)
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First City Bank and Trust Company - Overview

General
FDIC Certificate #: 12148
Status: Inactive
Closing history: Office Sold
Acquiring institution: (#14876)
Federal Reserve ID: 622644
Date Established: January 01, 1880
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 10 (Interstate: No)
OTS Docket #: 9872
FDIC's unique #: 7717
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: October 02, 2000
Last Structure Change Process Date: November 22, 2000
Last Data Update: November 22, 2000
Data Source Date: April 05, 2012
Location
Address: South Virginia And 10th Streets, Hopkinsville, KY 42240
County: Christian
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
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
Office Sold
Financial Summary
Total assets: $427.4 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, 1999)

Dollar figures in thousands
146Total employees (full-time equivalent)
$405,167Total assets
$14,026Cash and due from depository institutions
$144Interest-bearing balances
$83,369Securities
$435Federal funds sold & reverse repurchase agreements
$277,188Net loans & leases
$2,977Loan loss allowance
$0Trading account assets
$5,895Bank premises and fixed assets
$35Other real estate owned
$20,069Goodwill and other intangibles
$0Life insurance assets
$4,150All other assets
$405,167Total liabilities and capital
$357,274Total liabilities
$294,163Total deposits
$235,601Interest-bearing deposits
$294,163Deposits held in domestic offices
0.00%% insured (estimated)
$40,336Federal funds purchased & repurchase agreements
$0Trading liabilities
$20,421Other borrowed funds
$0Subordinated debt
$2,354All other liabilities
$47,893Total equity capital
$47,893Total bank equity capital
$47,893Perpetual preferred stock
$0Common stock
$1,000Surplus
$43,700Undivided profits
Memoranda
$3,193Noncurrent loans and leases
$50,873Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$96Earning assets
$0Long-term assets (5+ years)
$1,818Average Assets, year-to-date
$361,136Average Assets, quarterly
$91,313Volatile liabilities
$402,339Insider loans
$402,029FHLB advances
$90,696Loans and leases held for sale
$7,216Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$50,873Total unused commitments
$0Restructured Loans and leases
$2,977Derivatives

Income and Expense (December 31, 1999)

Dollar figures in thousands
$27,462Total interest income
$12,404Total interest expense
$15,058Net interest income
$170Provision for loan and lease losses
$4,953Total noninterest income
$1,166Fiduciary activities
$2,247Service charges on deposit accounts
$0Trading account gains & fees
$1,540Additional noninterest income
$10,754Total noninterest expense
$4,596Salaries and employee benefits
$1,352Premises and equipment expense
$4,806Additional noninterest expense
$9,087Pre-tax net operating income
$24Securities gains (losses)
$3,208Applicable income taxes
$5,903Income before extraordinary items
$0Extraordinary gains - net
$5,903Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$431Sale, conversion, retirement of capital stock, net
$8,800Net operating income

Performance and Condition Ratios (December 31, 1999)

Dollar figures in thousands
Performance Ratios (%, annualized)
7.69%Yield on earning assets
3.47%Cost of funding earning assets
4.22%Net interest margin
1.39%Noninterest income to earning assets
3.01%Noninterest expense to earning assets
1.46%Net operating income to assets
1.47%Return on assets (ROA)
2.26%Pretax return on assets
12.16%Return on equity (ROE)
-5.97%Retained earnings to average equity (YTD only)
0.16%Net charge-offs to loans
39.44%Credit loss provision to net charge-offs
21.48%Efficiency ratio
47,799Assets per employee
2.78%Cash dividends to net income (YTD only)
Condition Ratios (%)
149.08%Loss allowance to loans
1.06%Loss allowance to noncurrent loans
3101.04%Noncurrent assets plus other real estate owned to assets
0.03%Noncurrent loans to loans
0.03%Net loans and leases to deposits
94.23%Net loans and leases to core deposits
104.96%Equity capital to assets
11.82%Core capital (leverage) ratio
7.39%Tier 1 risk-based capital ratio
10.94%Total risk-based capital ratio
Memoranda
$12Average assets
$402,339Average earning assets
$48,537Average equity
$356,984Average loans

Robert Shipp

⚠

Mar 20, 2023 @ 8:08 am

Why did First City Bank close?
Thanks,
Robert Shipp

First City Bank and Trust Company in Hopkinsville, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

First City Bank and Trust Company - Overview

Assets and Liabilities (December 31, 1999)

Income and Expense (December 31, 1999)

Performance and Condition Ratios (December 31, 1999)

Comment about this bank, ask questions, or add new information about it:

First City Bank and Trust Company in Hopkinsville, Kentucky (KY)Overview, Financial Summary, Detailed Financial Reports, Branches

First City Bank and Trust Company - Overview

Assets and Liabilities (December 31, 1999)

Income and Expense (December 31, 1999)

Performance and Condition Ratios (December 31, 1999)

Comment about this bank, ask questions, or add new information about it:

First City Bank and Trust Company in Hopkinsville, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches