FDIC Certificate #: 30556 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Central Bank & Trust Co. (#15815) Federal Reserve ID: 348074 Date Established: January 01, 1885 Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) OTS Docket #: 5545 FDIC's unique #: 43390 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: Febuary 09, 1953 Last Structure Change Effective Date: August 31, 1998 Last Structure Change Process Date: October 05, 1998 Last Data Update: October 05, 1998 Data Source Date: April 05, 2012
Location
Address: 25 East Hickman Street, Winchester, KY 40391 County: Clark 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): Lexington, KY (#4280) Combined Statistical Area (CSA): Lexington-Fayette-Frankfort-Richmond, KY (#336) Core Based Statistical Area (CBSA): Lexington-Fayette, KY (#30460) CBSA Metro Statistical Area: Lexington-Fayette, KY (#30460)
Financial Summary
Total assets: $72.2 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Assets and Liabilities (December 31, 1997)
Dollar figures in thousands
22Total employees (full-time equivalent)
$72,102Total assets
$2,688Cash and due from depository institutions
$1,627Interest-bearing balances
$31,345Securities
$475Federal funds sold & reverse repurchase agreements
$34,934Net loans & leases
$389Loan loss allowance
$0Trading account assets
$1,358Bank premises and fixed assets
$0Other real estate owned
$115Goodwill and other intangibles
$0Life insurance assets
$1,187All other assets
$72,102Total liabilities and capital
$62,946Total liabilities
$60,911Total deposits
$58,027Interest-bearing deposits
$60,911Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$644Other borrowed funds
$0Subordinated debt
$1,391All other liabilities
$9,156Total equity capital
$9,156Total bank equity capital
$9,156Perpetual preferred stock
$0Common stock
$272Surplus
$2,338Undivided profits
Memoranda
$6,546Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$207Earning assets
$0Long-term assets (5+ years)
$280Average Assets, year-to-date
$68,381Average Assets, quarterly
$0Volatile liabilities
$74,674Insider loans
$73,471FHLB advances
$8,740Loans and leases held for sale
$0Unused loan commitments
$644Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$3,994Total unused commitments
$0Restructured Loans and leases
$30,131Derivatives
Income and Expense (December 31, 1997)
Dollar figures in thousands
$5,252Total interest income
$2,686Total interest expense
$2,566Net interest income
$0Provision for loan and lease losses
$1,154Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$1,154Additional noninterest income
$1,605Total noninterest expense
$891Salaries and employee benefits
$366Premises and equipment expense
$348Additional noninterest expense
$2,115Pre-tax net operating income
$71Securities gains (losses)
$756Applicable income taxes
$1,430Income before extraordinary items
$0Extraordinary gains - net
$1,430Net income attributable to bank
$0Net charge-offs
$0Cash dividends
-$9Sale, conversion, retirement of capital stock, net
$332Net operating income
Performance and Condition Ratios (December 31, 1997)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.40%Yield on earning assets
3.78%Cost of funding earning assets
3.62%Net interest margin
1.63%Noninterest income to earning assets
2.26%Noninterest expense to earning assets
1.85%Net operating income to assets
1.92%Return on assets (ROA)
2.93%Pretax return on assets
16.74%Return on equity (ROE)
12.86%Retained earnings to average equity (YTD only)
-0.03%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
43,145Assets per employee
3.28%Cash dividends to net income (YTD only)
Condition Ratios (%)
23.22%Loss allowance to loans
1.10%Loss allowance to noncurrent loans
187.92%Noncurrent assets plus other real estate owned to assets
0.29%Noncurrent loans to loans
0.59%Net loans and leases to deposits
57.35%Net loans and leases to core deposits
66.14%Equity capital to assets
12.70%Core capital (leverage) ratio
12.61%Tier 1 risk-based capital ratio
30.15%Total risk-based capital ratio
Memoranda
$31Average assets
$74,674Average earning assets
$8,541Average equity
$70,965Average loans
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