Powell County Bank, National Association in Campton, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of September 30, 2000

Powell County Bank, National Association in Campton, Kentucky (KY)
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Powell County Bank, National Association - Overview

General
FDIC Certificate #: 9683
Status: Inactive
Closing history: Change in Primary Regulatory Agency
Acquiring institution: Whitaker Bank (#32912)
Federal Reserve ID: 342719
Date Established: January 01, 1922
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 2 (Interstate: No)
OTS Docket #: 12540
FDIC's unique #: 6197
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: January 01, 1934
Last Structure Change Effective Date: September 30, 2000
Last Structure Change Process Date: October 27, 2000
Last Data Update: October 27, 2000
Data Source Date: April 05, 2012
Location
Address: 200 South Kentucky Highway 15, Campton, KY 41301
County: Wolfe
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
History of Changes
Merger - Without Assistance
Name Change
Change in Primary Regulatory Agency
Financial Summary
Total assets: $112.4 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
43Total employees (full-time equivalent)
$107,817Total assets
$4,306Cash and due from depository institutions
$0Interest-bearing balances
$16,495Securities
$0Federal funds sold & reverse repurchase agreements
$84,049Net loans & leases
$1,716Loan loss allowance
$0Trading account assets
$1,106Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$1,861All other assets
$107,817Total liabilities and capital
$101,211Total liabilities
$85,152Total deposits
$74,093Interest-bearing deposits
$85,152Deposits held in domestic offices
0.00%% insured (estimated)
$2,212Federal funds purchased & repurchase agreements
$0Trading liabilities
$13,061Other borrowed funds
$0Subordinated debt
$786All other liabilities
$6,606Total equity capital
$6,606Total bank equity capital
$6,606Perpetual preferred stock
$0Common stock
$500Surplus
$4,000Undivided profits
Memoranda
$2,106Noncurrent loans and leases
$3,976Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$141Earning assets
$0Long-term assets (5+ years)
$1,059Average Assets, year-to-date
$100,544Average Assets, quarterly
$27,191Volatile liabilities
$104,714Insider loans
$107,372FHLB advances
$18,208Loans and leases held for sale
$480Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$3,976Total unused commitments
$0Restructured Loans and leases
$926Derivatives

Income and Expense (December 31, 1999)

Dollar figures in thousands
$8,542Total interest income
$4,065Total interest expense
$4,477Net interest income
$157Provision for loan and lease losses
$620Total noninterest income
$0Fiduciary activities
$434Service charges on deposit accounts
$0Trading account gains & fees
$186Additional noninterest income
$2,669Total noninterest expense
$1,216Salaries and employee benefits
$304Premises and equipment expense
$1,149Additional noninterest expense
$2,271Pre-tax net operating income
$8Securities gains (losses)
$728Applicable income taxes
$1,551Income before extraordinary items
$0Extraordinary gains - net
$1,551Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$5Sale, conversion, retirement of capital stock, net
$875Net operating income

Performance and Condition Ratios (December 31, 1999)

Dollar figures in thousands
Performance Ratios (%, annualized)
8.68%Yield on earning assets
4.13%Cost of funding earning assets
4.55%Net interest margin
0.63%Noninterest income to earning assets
2.71%Noninterest expense to earning assets
1.48%Net operating income to assets
1.48%Return on assets (ROA)
2.18%Pretax return on assets
23.67%Return on equity (ROE)
10.31%Retained earnings to average equity (YTD only)
0.01%Net charge-offs to loans
3140.00%Credit loss provision to net charge-offs
485.60%Efficiency ratio
52,364Assets per employee
2.51%Cash dividends to net income (YTD only)
Condition Ratios (%)
56.42%Loss allowance to loans
2.00%Loss allowance to noncurrent loans
1217.02%Noncurrent assets plus other real estate owned to assets
0.13%Noncurrent loans to loans
0.16%Net loans and leases to deposits
98.70%Net loans and leases to core deposits
121.54%Equity capital to assets
6.13%Core capital (leverage) ratio
6.39%Tier 1 risk-based capital ratio
9.37%Total risk-based capital ratio
Memoranda
$11Average assets
$104,714Average earning assets
$6,554Average equity
$98,429Average loans

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