FDIC Certificate #: 31283 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:1st Independence Bank (#11338) Federal Reserve ID: 368072 Date Established: October 27, 1961 WWW:http://www.ffbky.com Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) OTS Docket #: 6664 FDIC's unique #: 44117 Numeric code: 33 Regulator: OTS Insurance Fund Membership: Savings Association Insurance Fund (SAIF) FDIC Insured: Yes SAIF Insured: Yes Insured Savings Institution: Yes State Chartered: No Date of Deposit Insurance: October 27, 1961 Last Structure Change Effective Date: July 10, 2004 Last Structure Change Process Date: July 15, 2004 Last Data Update: July 15, 2004 Data Source Date: April 05, 2012
Location
Address: 104 S Chiles St, Harrodsburg, KY 40330 County: Mercer Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Chicago FDIC Field Office: Lexington Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: Southeast
Financial Summary
Total assets: $132.0 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
2000 - 2011 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, 2003)
Dollar figures in thousands
20Total employees (full-time equivalent)
$127,174Total assets
$5,922Cash and due from depository institutions
$1,702Interest-bearing balances
$29,724Securities
$0Federal funds sold & reverse repurchase agreements
$83,875Net loans & leases
$390Loan loss allowance
$0Trading account assets
$2,201Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$5,452All other assets
$127,174Total liabilities and capital
$109,825Total liabilities
$105,796Total deposits
$104,269Interest-bearing deposits
$105,796Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$1,955Other borrowed funds
$0Subordinated debt
$2,074All other liabilities
$17,349Total equity capital
$17,349Total bank equity capital
$17,349Perpetual preferred stock
$0Common stock
$1Surplus
$10,958Undivided profits
Memoranda
$6,390Noncurrent loans and leases
$9,801Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$472Earning assets
$0Long-term assets (5+ years)
$458Average Assets, year-to-date
$115,301Average Assets, quarterly
$0Volatile liabilities
$126,270Insider loans
$127,415FHLB advances
$21,393Loans and leases held for sale
$0Unused loan commitments
$1,000Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$9,801Total unused commitments
$0Restructured Loans and leases
$391Derivatives
Income and Expense (December 31, 2003)
Dollar figures in thousands
$6,515Total interest income
$3,134Total interest expense
$3,381Net interest income
$2Provision for loan and lease losses
$458Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$458Additional noninterest income
$2,570Total noninterest expense
$1,466Salaries and employee benefits
$511Premises and equipment expense
$593Additional noninterest expense
$1,267Pre-tax net operating income
$29Securities gains (losses)
$396Applicable income taxes
$900Income before extraordinary items
$0Extraordinary gains - net
$900Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$0Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2003)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.63%Yield on earning assets
2.71%Cost of funding earning assets
2.92%Net interest margin
0.40%Noninterest income to earning assets
2.22%Noninterest expense to earning assets
0.70%Net operating income to assets
0.71%Return on assets (ROA)
1.03%Pretax return on assets
5.42%Return on equity (ROE)
5.42%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
66,945Assets per employee
6.36%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.46%Loss allowance to noncurrent loans
82.63%Noncurrent assets plus other real estate owned to assets
0.37%Noncurrent loans to loans
0.56%Net loans and leases to deposits
79.28%Net loans and leases to core deposits
97.12%Equity capital to assets
13.64%Core capital (leverage) ratio
11.69%Tier 1 risk-based capital ratio
20.65%Total risk-based capital ratio
Memoranda
$21Average assets
$126,270Average earning assets
$16,590Average equity
$115,782Average loans
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