FDIC Certificate #: 30736 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:The Bank of Kentucky, Inc. (#33022) Federal Reserve ID: 368474 Date Established: January 01, 1910 Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) OTS Docket #: 5829 FDIC's unique #: 43570 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: April 18, 1957 Last Structure Change Effective Date: June 15, 2000 Last Structure Change Process Date: June 29, 2000 Last Data Update: June 29, 2000 Data Source Date: April 05, 2012
Location
Address: 25 N Ft Thomas Ave, Fort Thomas, KY 41075 County: Campbell Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Dallas FDIC Field Office: Lexington Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: Southeast Metropolitan Statistical Area (MSA): Cincinnati, OH-KY-IN (#1640) Consolidated Metropolitan Statistical Area (CMSA): Cincinnati-Hamilton, OH-KY-IN (#21) Combined Statistical Area (CSA): Cincinnati-Middletown-Wilmington, OH-KY-IN (#178) Core Based Statistical Area (CBSA): Cincinnati-Middletown, OH-KY-IN (#17140) CBSA Metro Statistical Area: Cincinnati-Middletown, OH-KY-IN (#17140)
Financial Summary
Total assets: $98.4 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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
21Total employees (full-time equivalent)
$98,731Total assets
$633Cash and due from depository institutions
$109Interest-bearing balances
$5,506Securities
$0Federal funds sold & reverse repurchase agreements
$88,376Net loans & leases
$490Loan loss allowance
$0Trading account assets
$579Bank premises and fixed assets
$430Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$3,207All other assets
$98,731Total liabilities and capital
$85,851Total liabilities
$67,392Total deposits
$67,086Interest-bearing deposits
$67,392Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$17,186Other borrowed funds
$0Subordinated debt
$1,273All other liabilities
$12,880Total equity capital
$12,880Total bank equity capital
$12,880Perpetual preferred stock
$0Common stock
$1Surplus
$7,499Undivided profits
Memoranda
$5,380Noncurrent loans and leases
$5,615Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$2,828Earning assets
$0Long-term assets (5+ years)
$717Average Assets, year-to-date
$93,991Average Assets, quarterly
$0Volatile liabilities
$100,459Insider loans
$98,736FHLB advances
$24,149Loans and leases held for sale
$29Unused loan commitments
$17,186Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$5,615Total unused commitments
$430Restructured Loans and leases
$490Derivatives
Income and Expense (December 31, 1999)
Dollar figures in thousands
$8,045Total interest income
$4,336Total interest expense
$3,709Net interest income
$68Provision for loan and lease losses
$271Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$271Additional noninterest income
$2,204Total noninterest expense
$1,280Salaries and employee benefits
$197Premises and equipment expense
$727Additional noninterest expense
$1,708Pre-tax net operating income
$0Securities gains (losses)
$558Applicable income taxes
$1,150Income before extraordinary items
$0Extraordinary gains - net
$1,150Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$117Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 1999)
Dollar figures in thousands
Performance Ratios (%, annualized)
8.36%Yield on earning assets
4.50%Cost of funding earning assets
3.85%Net interest margin
0.28%Noninterest income to earning assets
2.29%Noninterest expense to earning assets
1.14%Net operating income to assets
1.14%Return on assets (ROA)
1.70%Pretax return on assets
9.31%Return on equity (ROE)
9.31%Retained earnings to average equity (YTD only)
0.13%Net charge-offs to loans
58.12%Credit loss provision to net charge-offs
15.18%Efficiency ratio
55,377Assets per employee
4.70%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.55%Loss allowance to noncurrent loans
17.33%Noncurrent assets plus other real estate owned to assets
3.30%Noncurrent loans to loans
3.18%Net loans and leases to deposits
131.14%Net loans and leases to core deposits
146.25%Equity capital to assets
13.05%Core capital (leverage) ratio
13.05%Tier 1 risk-based capital ratio
19.94%Total risk-based capital ratio
Memoranda
$21Average assets
$100,459Average earning assets
$12,358Average equity
$96,268Average loans
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