First Liberty Bank of Calvert City in Calvert City, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of November 17, 1994

First Liberty Bank of Calvert City in Calvert City, Kentucky (KY)
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First Liberty Bank of Calvert City - Overview

General
FDIC Certificate #: 19378
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Union Planters Bank of Kentucky, National Association (#2763)
Federal Reserve ID: 978248
Date Established: Febuary 08, 1965
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Interstate: No)
FDIC's unique #: 13185
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: Febuary 08, 1965
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: Fifth Avenue, Calvert City, KY 42029
County: Marshall
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
Financial Summary
Total assets: $36.1 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)
$13Total assets
$34,524Cash and due from depository institutions
$877Interest-bearing balances
$0Securities
$12,164Federal funds sold & reverse repurchase agreements
$1,400Net loans & leases
$19,027Loan loss allowance
$381Trading account assets
$0Bank premises and fixed assets
$727Other real estate owned
$0Goodwill and other intangibles
$329Life insurance assets
$0All other assets
$0Total liabilities and capital
$34,524Total liabilities
$31,911Total deposits
$31,285Interest-bearing deposits
$28,317Deposits held in domestic offices
31285.00%% insured (estimated)
$91Federal funds purchased & repurchase agreements
$498Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$128Total equity capital
$128Total bank equity capital
$2,613Perpetual preferred stock
$0Common stock
$400Surplus
$700Undivided profits
Memoranda
$1,513Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$53Income earned, not collected on loans
$99Earning assets
$32,591Long-term assets (5+ years)
$4,781Average Assets, year-to-date
$33,435Average Assets, quarterly
$34,895Volatile liabilities
$2,472Insider loans
$1,093FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$694Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$2,610Total risk weighted assets
$18,620Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1993)

Dollar figures in thousands
$0Total interest income
$2,416Total interest expense
$1,013Net interest income
$1,403Provision for loan and lease losses
$39Total noninterest income
$169Fiduciary activities
$0Service charges on deposit accounts
$130Trading account gains & fees
$0Additional noninterest income
$39Total noninterest expense
$910Salaries and employee benefits
$314Premises and equipment expense
$121Additional noninterest expense
$475Pre-tax net operating income
$623Securities gains (losses)
$1Applicable income taxes
$200Income before extraordinary items
$424Extraordinary gains - net
$0Net income attributable to bank
$424Net charge-offs
$7Cash dividends
$300Sale, 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
7.68%Cost of funding earning assets
3.22%Net interest margin
4.46%Noninterest income to earning assets
0.54%Noninterest expense to earning assets
2.89%Net operating income to assets
1.27%Return on assets (ROA)
1.27%Pretax return on assets
1.87%Return on equity (ROE)
16.47%Retained earnings to average equity (YTD only)
4.82%Net charge-offs to loans
0.04%Credit loss provision to net charge-offs
557.14%Efficiency ratio
57,888Assets per employee
2.66%Cash dividends to net income (YTD only)
Condition Ratios (%)
70.75%Loss allowance to loans
1.96%Loss allowance to noncurrent loans
718.87%Noncurrent assets plus other real estate owned to assets
0.15%Noncurrent loans to loans
0.27%Net loans and leases to deposits
60.82%Net loans and leases to core deposits
64.91%Equity capital to assets
7.57%Core capital (leverage) ratio
7.60%Tier 1 risk-based capital ratio
14.02%Total risk-based capital ratio
Memoranda
$15Average assets
$33,435Average earning assets
$2,575Average equity
$31,475Average loans

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