Liberty National Bank of Owensboro in Owensboro, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of September 11, 1995

  • Liberty National Bank of Owensboro in Owensboro, Kentucky (KY)
  • Show street view No street view available for this location

Liberty National Bank of Owensboro - Overview

  • General
  • FDIC Certificate #: 15140
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Bank One, Kentucky, National Association (#14985)
    Federal Reserve ID: 338244
    Date Established: May 16, 1935
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 6 (Interstate: No)
    FDIC's unique #: 9510
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: May 16, 1935
    Last Structure Change Effective Date: September 11, 1995
    Last Structure Change Process Date: September 27, 1995
    Last Data Update: September 27, 1995
    Data Source Date: April 05, 2012
  • Location
  • Address: 200 East Third Street, Owensboro, KY 42301
    County: Daviess
    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
    Metropolitan Statistical Area (MSA): Owensboro, KY (#5990)
    Core Based Statistical Area (CBSA): Owensboro, KY (#36980)
    CBSA Metro Statistical Area: Owensboro, KY (#36980)
  • Financial Summary
  • Total assets: $265.5 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $128Total assets
  • $293,821Cash and due from depository institutions
  • $46,057Interest-bearing balances
  • $29,988Securities
  • $37,992Federal funds sold & reverse repurchase agreements
  • $49,406Net loans & leases
  • $153,564Loan loss allowance
  • $2,187Trading account assets
  • $0Bank premises and fixed assets
  • $4,673Other real estate owned
  • $0Goodwill and other intangibles
  • $2,129Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $293,821Total liabilities
  • $272,101Total deposits
  • $259,901Interest-bearing deposits
  • $224,411Deposits held in domestic offices
  • 259901.00%% insured (estimated)
  • $82Federal funds purchased & repurchase agreements
  • $8,400Trading liabilities
  • $0Other borrowed funds
  • $1,521Subordinated debt
  • $0All other liabilities
  • $2,279Total equity capital
  • $2,279Total bank equity capital
  • $21,720Perpetual preferred stock
  • $0Common stock
  • $5,000Surplus
  • $5,000Undivided profits
  • Memoranda
  • $11,720Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $578Income earned, not collected on loans
  • $1,217Earning assets
  • $270,950Long-term assets (5+ years)
  • $41,619Average Assets, year-to-date
  • $292,530Average Assets, quarterly
  • $283,579Volatile liabilities
  • $38,313Insider loans
  • $2,516FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $17,936Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $21,747Total risk weighted assets
  • $167,359Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1994)

  • Dollar figures in thousands
  • $0Total interest income
  • $18,459Total interest expense
  • $8,848Net interest income
  • $9,611Provision for loan and lease losses
  • $325Total noninterest income
  • $2,037Fiduciary activities
  • $0Service charges on deposit accounts
  • $1,180Trading account gains & fees
  • $0Additional noninterest income
  • $857Total noninterest expense
  • $8,012Salaries and employee benefits
  • $3,085Premises and equipment expense
  • $1,287Additional noninterest expense
  • $3,640Pre-tax net operating income
  • $3,311Securities gains (losses)
  • -$2,326Applicable income taxes
  • $73Income before extraordinary items
  • $912Extraordinary gains - net
  • $0Net income attributable to bank
  • $912Net charge-offs
  • $417Cash dividends
  • $1,305Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1994)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 6.81%Cost of funding earning assets
  • 3.27%Net interest margin
  • 3.55%Noninterest income to earning assets
  • 0.75%Noninterest expense to earning assets
  • 2.96%Net operating income to assets
  • 1.05%Return on assets (ROA)
  • 0.31%Pretax return on assets
  • 0.34%Return on equity (ROE)
  • 4.13%Retained earnings to average equity (YTD only)
  • -1.78%Net charge-offs to loans
  • 0.27%Credit loss provision to net charge-offs
  • 77.94%Efficiency ratio
  • 68,784Assets per employee
  • 2.30%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 143.09%Loss allowance to loans
  • 1.40%Loss allowance to noncurrent loans
  • 378.37%Noncurrent assets plus other real estate owned to assets
  • 0.20%Noncurrent loans to loans
  • 0.37%Net loans and leases to deposits
  • 59.09%Net loans and leases to core deposits
  • 66.33%Equity capital to assets
  • 7.39%Core capital (leverage) ratio
  • 7.82%Tier 1 risk-based capital ratio
  • 12.99%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $292,530Average earning assets
  • $22,068Average equity
  • $270,989Average loans

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