The First National Bank of Carlisle in Carlisle, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of July 01, 1997

The First National Bank of Carlisle in Carlisle, Kentucky (KY)
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The First National Bank of Carlisle - Overview

General
FDIC Certificate #: 2684
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Whitaker Bank (#32912)
Federal Reserve ID: 841614
Date Established: January 01, 1901
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 1 (Interstate: No)
OTS Docket #: 12713
FDIC's unique #: 1731
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: July 01, 1997
Last Structure Change Process Date: July 14, 1997
Last Data Update: July 21, 1997
Data Source Date: April 05, 2012
Location
Address: Main And Elm Streets, Carlisle, KY 40311
County: Nicholas
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
Financial Summary
Total assets: $29.4 mil

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

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

Dollar figures in thousands
0Total employees (full-time equivalent)
$10Total assets
$29,655Cash and due from depository institutions
$867Interest-bearing balances
$0Securities
$10,826Federal funds sold & reverse repurchase agreements
$1,245Net loans & leases
$15,712Loan loss allowance
$424Trading account assets
$0Bank premises and fixed assets
$611Other real estate owned
$0Goodwill and other intangibles
$394Life insurance assets
$0All other assets
$0Total liabilities and capital
$29,655Total liabilities
$27,315Total deposits
$26,805Interest-bearing deposits
$22,357Deposits held in domestic offices
26805.00%% insured (estimated)
$89Federal funds purchased & repurchase agreements
$247Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$263Total equity capital
$263Total bank equity capital
$2,340Perpetual preferred stock
$0Common stock
$200Surplus
$200Undivided profits
Memoranda
$1,940Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$141Income earned, not collected on loans
$178Earning assets
$27,783Long-term assets (5+ years)
$5,467Average Assets, year-to-date
$28,322Average Assets, quarterly
$28,608Volatile liabilities
$4,079Insider loans
$872FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$860Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$2,336Total risk weighted assets
$17,715Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1996)

Dollar figures in thousands
$0Total interest income
$2,251Total interest expense
$1,005Net interest income
$1,246Provision for loan and lease losses
$0Total noninterest income
$119Fiduciary activities
$0Service charges on deposit accounts
$83Trading account gains & fees
$0Additional noninterest income
$36Total noninterest expense
$835Salaries and employee benefits
$307Premises and equipment expense
$127Additional noninterest expense
$401Pre-tax net operating income
$530Securities gains (losses)
$34Applicable income taxes
$182Income before extraordinary items
$382Extraordinary gains - net
$0Net income attributable to bank
$382Net charge-offs
$30Cash dividends
$50Sale, 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
8.46%Cost of funding earning assets
3.78%Net interest margin
4.68%Noninterest income to earning assets
0.45%Noninterest expense to earning assets
3.14%Net operating income to assets
1.27%Return on assets (ROA)
1.35%Pretax return on assets
1.99%Return on equity (ROE)
17.47%Retained earnings to average equity (YTD only)
15.18%Net charge-offs to loans
0.20%Credit loss provision to net charge-offs
0.00%Efficiency ratio
61,172Assets per employee
2.97%Cash dividends to net income (YTD only)
Condition Ratios (%)
13.09%Loss allowance to loans
2.63%Loss allowance to noncurrent loans
300.71%Noncurrent assets plus other real estate owned to assets
0.48%Noncurrent loans to loans
0.87%Net loans and leases to deposits
58.62%Net loans and leases to core deposits
68.39%Equity capital to assets
7.89%Core capital (leverage) ratio
8.24%Tier 1 risk-based capital ratio
13.19%Total risk-based capital ratio
Memoranda
$14Average assets
$28,322Average earning assets
$2,187Average equity
$26,596Average loans

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