FDIC Certificate #: 18178 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Citizens Union Bank of Shelbyville (#5840) Federal Reserve ID: 793245 Date Established: April 09, 1960 WWW:http://www.fortknoxnationalbank.com Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 1 (Interstate: No) FDIC's unique #: 12098 Numeric code: 3 Regulator: OCC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes State Chartered: No Date of Deposit Insurance: April 09, 1960 Last Structure Change Effective Date: May 31, 2007 Last Structure Change Process Date: June 05, 2007 Last Data Update: June 05, 2007 Data Source Date: April 05, 2012
Location
Address: 601 West Lincoln Trail Boulevard, Radcliff, KY 40160 County: Hardin Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Chicago 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: $195.6 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2006)
Dollar figures in thousands
15Total employees (full-time equivalent)
$36,726Total assets
$3,276Cash and due from depository institutions
$7Interest-bearing balances
$3,990Securities
$3,500Federal funds sold & reverse repurchase agreements
$24,475Net loans & leases
$121Loan loss allowance
$0Trading account assets
$493Bank premises and fixed assets
$0Other real estate owned
$265Goodwill and other intangibles
$0Life insurance assets
$727All other assets
$36,726Total liabilities and capital
$30,430Total liabilities
$30,106Total deposits
$15,628Interest-bearing deposits
$30,106Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$324All other liabilities
$6,296Total equity capital
$6,296Total bank equity capital
$6,296Perpetual preferred stock
$0Common stock
$500Surplus
$4,203Undivided profits
Memoranda
$1,593Noncurrent loans and leases
$682Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$0Long-term assets (5+ years)
$122Average Assets, year-to-date
$31,972Average Assets, quarterly
$3,489Volatile liabilities
$42,650Insider loans
$40,814FHLB advances
$2,162Loans and leases held for sale
$492Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$354Total risk weighted assets
$682Total unused commitments
$0Restructured Loans and leases
$121Derivatives
Income and Expense (December 31, 2006)
Dollar figures in thousands
$1,855Total interest income
$604Total interest expense
$1,251Net interest income
$12Provision for loan and lease losses
$814Total noninterest income
$0Fiduciary activities
$191Service charges on deposit accounts
$0Trading account gains & fees
$623Additional noninterest income
$1,778Total noninterest expense
$769Salaries and employee benefits
$180Premises and equipment expense
$829Additional noninterest expense
$275Pre-tax net operating income
$15Securities gains (losses)
$0Applicable income taxes
$290Income before extraordinary items
$0Extraordinary gains - net
$290Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$0Sale, conversion, retirement of capital stock, net
$205Net operating income
Performance and Condition Ratios (December 31, 2006)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.06%Yield on earning assets
1.65%Cost of funding earning assets
3.41%Net interest margin
2.22%Noninterest income to earning assets
4.85%Noninterest expense to earning assets
0.64%Net operating income to assets
0.68%Return on assets (ROA)
0.68%Pretax return on assets
5.10%Return on equity (ROE)
1.50%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
86,102Assets per employee
2.45%Cash dividends to net income (YTD only)
Condition Ratios (%)
70.69%Loss allowance to loans
0.49%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
81.30%Net loans and leases to core deposits
87.59%Equity capital to assets
17.14%Core capital (leverage) ratio
16.28%Tier 1 risk-based capital ratio
33.70%Total risk-based capital ratio
Memoranda
$34Average assets
$42,650Average earning assets
$5,685Average equity
$36,659Average loans
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