The Fifth Third Savings Bank of Western Kentucky, F.S.B. in Mayfield, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 04, 1997

The Fifth Third Savings Bank of Western Kentucky, F.S.B. in Mayfield, Kentucky (KY)
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The Fifth Third Savings Bank of Western Kentucky, F.S.B. - Overview

General
FDIC Certificate #: 27737
Status: Inactive
Closing history: Corrections
Acquiring institution: Fifth Third Bank, Kentucky, Inc. (#14099)
Federal Reserve ID: 810375
Date Established: January 01, 1889
Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
OTS Docket #: 200
FDIC's unique #: 40571
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: January 09, 1935
Last Structure Change Effective Date: January 04, 1997
Last Structure Change Process Date: January 14, 1997
Last Data Update: March 21, 2000
Data Source Date: April 05, 2012
Location
Address: 406 South Seventh Street, Mayfield, KY 42066
County: Graves
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
Combined Statistical Area (CSA): Paducah-Mayfield, KY-IL (#424)
Core Based Statistical Area (CBSA): Mayfield, KY (#32460)
CBSA Micro Statistical Area: Yes
History of Changes
Merger - Without Assistance
Corrections
Financial Summary
Total assets: $239.0 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

Dollar figures in thousands
0Total employees (full-time equivalent)
$8Total assets
$239,010Cash and due from depository institutions
$1,249Interest-bearing balances
$44Securities
$222,125Federal funds sold & reverse repurchase agreements
$0Net loans & leases
$1,995Loan loss allowance
$0Trading account assets
$0Bank premises and fixed assets
$419Other real estate owned
$0Goodwill and other intangibles
$13,222Life insurance assets
$0All other assets
$0Total liabilities and capital
$239,010Total liabilities
$186,753Total deposits
$32,266Interest-bearing deposits
$31,255Deposits held in domestic offices
32266.00%% insured (estimated)
$98Federal funds purchased & repurchase agreements
$479Trading liabilities
$0Other borrowed funds
$151,150Subordinated debt
$0All other liabilities
$2,858Total equity capital
$2,858Total bank equity capital
$52,257Perpetual preferred stock
$0Common stock
$2,471Surplus
$20,471Undivided profits
Memoranda
$29,315Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$224,164Long-term assets (5+ years)
$0Average Assets, year-to-date
$551,596Average Assets, quarterly
$244,944Volatile liabilities
$153,651Insider loans
$0FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$51,060Total risk weighted assets
$50,680Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1996)

Dollar figures in thousands
$0Total interest income
$28,326Total interest expense
$24,596Net interest income
$3,730Provision for loan and lease losses
$0Total noninterest income
$483Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$0Additional noninterest income
$483Total noninterest expense
$846Salaries and employee benefits
$209Premises and equipment expense
$98Additional noninterest expense
$539Pre-tax net operating income
$3,367Securities gains (losses)
-$3,408Applicable income taxes
$1,179Income before extraordinary items
-$1,220Extraordinary gains - net
$0Net income attributable to bank
-$1,220Net charge-offs
$0Cash dividends
$0Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1996)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
5.30%Cost of funding earning assets
4.60%Net interest margin
0.70%Noninterest income to earning assets
0.09%Noninterest expense to earning assets
0.16%Net operating income to assets
0.40%Return on assets (ROA)
-0.22%Pretax return on assets
-0.01%Return on equity (ROE)
-2.38%Retained earnings to average equity (YTD only)
-2.38%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
20,081Assets per employee
29.88%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.00%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
6.18%Net loans and leases to core deposits
6.60%Equity capital to assets
21.86%Core capital (leverage) ratio
21.53%Tier 1 risk-based capital ratio
100.75%Total risk-based capital ratio
Memoranda
$101Average assets
$551,596Average earning assets
$51,314Average equity
$534,445Average loans

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