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

This bank is inactive as of June 03, 1994

  • The National Bank of Cynthiana in Cynthiana, Kentucky (KY)
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The National Bank of Cynthiana - Overview

  • General
  • FDIC Certificate #: 2690
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: Fifth Third Bank, Kentucky, Inc. (#14099)
    Federal Reserve ID: 691912
    Date Established: January 01, 1857
    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)
    FDIC's unique #: 1736
    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: June 03, 1994
    Last Structure Change Process Date: July 05, 1994
    Last Data Update: September 13, 1995
    Data Source Date: April 05, 2012
  • Location
  • Address: South Main Street, Cynthiana, KY 41031
    County: Harrison
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    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
    Corrections
  • Financial Summary
  • Total assets: $62.0 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $31Total assets
  • $64,656Cash and due from depository institutions
  • $1,433Interest-bearing balances
  • $0Securities
  • $19,216Federal funds sold & reverse repurchase agreements
  • $6,150Net loans & leases
  • $36,400Loan loss allowance
  • $568Trading account assets
  • $0Bank premises and fixed assets
  • $563Other real estate owned
  • $224Goodwill and other intangibles
  • $670Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $64,656Total liabilities
  • $58,717Total deposits
  • $55,485Interest-bearing deposits
  • $48,528Deposits held in domestic offices
  • 55485.00%% insured (estimated)
  • $92Federal funds purchased & repurchase agreements
  • $2,721Trading liabilities
  • $0Other borrowed funds
  • $214Subordinated debt
  • $0All other liabilities
  • $297Total equity capital
  • $297Total bank equity capital
  • $5,939Perpetual preferred stock
  • $0Common stock
  • $500Surplus
  • $500Undivided profits
  • Memoranda
  • $4,939Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $211Income earned, not collected on loans
  • $303Earning assets
  • $61,766Long-term assets (5+ years)
  • $12,816Average Assets, year-to-date
  • $64,441Average Assets, quarterly
  • $63,433Volatile liabilities
  • $6,142Insider loans
  • $2,112FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $3,731Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $5,939Total risk weighted assets
  • $36,864Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1993)

  • Dollar figures in thousands
  • $0Total interest income
  • $4,454Total interest expense
  • $1,934Net interest income
  • $2,520Provision for loan and lease losses
  • $85Total noninterest income
  • $496Fiduciary activities
  • $0Service charges on deposit accounts
  • $192Trading account gains & fees
  • $0Additional noninterest income
  • $304Total noninterest expense
  • $2,007Salaries and employee benefits
  • $931Premises and equipment expense
  • $194Additional noninterest expense
  • $882Pre-tax net operating income
  • $924Securities gains (losses)
  • $78Applicable income taxes
  • $335Income before extraordinary items
  • $667Extraordinary gains - net
  • $27Net income attributable to bank
  • $694Net charge-offs
  • $50Cash dividends
  • $300Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1993)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.31%Cost of funding earning assets
  • 3.17%Net interest margin
  • 4.13%Noninterest income to earning assets
  • 0.81%Noninterest expense to earning assets
  • 3.29%Net operating income to assets
  • 0.95%Return on assets (ROA)
  • 1.08%Pretax return on assets
  • 1.60%Return on equity (ROE)
  • 11.98%Retained earnings to average equity (YTD only)
  • 6.80%Net charge-offs to loans
  • 0.15%Credit loss provision to net charge-offs
  • 170.00%Efficiency ratio
  • 66,545Assets per employee
  • 2.09%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 43.23%Loss allowance to loans
  • 1.54%Loss allowance to noncurrent loans
  • 269.19%Noncurrent assets plus other real estate owned to assets
  • 0.67%Noncurrent loans to loans
  • 0.57%Net loans and leases to deposits
  • 65.60%Net loans and leases to core deposits
  • 69.91%Equity capital to assets
  • 9.19%Core capital (leverage) ratio
  • 9.29%Tier 1 risk-based capital ratio
  • 16.11%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $64,441Average earning assets
  • $5,793Average equity
  • $60,952Average loans

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