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

This bank is inactive as of August 18, 2000

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

  • General
  • FDIC Certificate #: 14342
    Status: Inactive
    Closing history: Office Sold
    Acquiring institution: (#14876)
    Federal Reserve ID: 341646
    Date Established: May 05, 1860
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 12 (Interstate: No)
    OTS Docket #: 9832
    FDIC's unique #: 8961
    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: May 08, 1934
    Last Structure Change Effective Date: August 18, 2000
    Last Structure Change Process Date: September 28, 2000
    Last Data Update: September 28, 2000
    Data Source Date: April 05, 2012
  • Location
  • Address: 230 Frederica Street, Owensboro, KY 42301
    County: Daviess
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Hopkinsville
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Owensboro, KY (#5990)
    Core Based Statistical Area (CBSA): Owensboro, KY (#36980)
    CBSA Metro Statistical Area: Owensboro, KY (#36980)
  • History of Changes
  • Merger - Without Assistance
    Office Sold
  • Financial Summary
  • Total assets: $559.8 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
  • 176Total employees (full-time equivalent)
  • $509,740Total assets
  • $49,041Cash and due from depository institutions
  • $5,052Interest-bearing balances
  • $138,790Securities
  • $7,200Federal funds sold & reverse repurchase agreements
  • $299,540Net loans & leases
  • $3,839Loan loss allowance
  • $0Trading account assets
  • $7,522Bank premises and fixed assets
  • $0Other real estate owned
  • $1,241Goodwill and other intangibles
  • $0Life insurance assets
  • $6,406All other assets
  • $509,740Total liabilities and capital
  • $473,897Total liabilities
  • $316,795Total deposits
  • $241,006Interest-bearing deposits
  • $316,795Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $116,007Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $39,145Other borrowed funds
  • $0Subordinated debt
  • $1,950All other liabilities
  • $35,843Total equity capital
  • $35,843Total bank equity capital
  • $35,843Perpetual preferred stock
  • $0Common stock
  • $8,000Surplus
  • $8,000Undivided profits
  • Memoranda
  • $19,843Noncurrent loans and leases
  • $99,061Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $296Earning assets
  • $0Long-term assets (5+ years)
  • $2,300Average Assets, year-to-date
  • $450,582Average Assets, quarterly
  • $79,915Volatile liabilities
  • $506,180Insider loans
  • $513,913FHLB advances
  • $188,617Loans and leases held for sale
  • $32,027Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $1,394Total risk weighted assets
  • $99,061Total unused commitments
  • $0Restructured Loans and leases
  • $3,839Derivatives

Income and Expense (December 31, 1999)

  • Dollar figures in thousands
  • $32,829Total interest income
  • $15,854Total interest expense
  • $16,975Net interest income
  • $0Provision for loan and lease losses
  • $6,020Total noninterest income
  • $1,746Fiduciary activities
  • $1,847Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,427Additional noninterest income
  • $12,186Total noninterest expense
  • $6,003Salaries and employee benefits
  • $1,697Premises and equipment expense
  • $4,486Additional noninterest expense
  • $10,809Pre-tax net operating income
  • -$18Securities gains (losses)
  • $2,837Applicable income taxes
  • $7,954Income before extraordinary items
  • $0Extraordinary gains - net
  • $7,954Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $152Sale, conversion, retirement of capital stock, net
  • $9,800Net operating income

Performance and Condition Ratios (December 31, 1999)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.41%Yield on earning assets
  • 3.58%Cost of funding earning assets
  • 3.83%Net interest margin
  • 1.36%Noninterest income to earning assets
  • 2.75%Noninterest expense to earning assets
  • 1.57%Net operating income to assets
  • 1.57%Return on assets (ROA)
  • 2.13%Pretax return on assets
  • 21.39%Return on equity (ROE)
  • -4.97%Retained earnings to average equity (YTD only)
  • 0.05%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 71.11%Efficiency ratio
  • 51,763Assets per employee
  • 2.90%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 123.21%Loss allowance to loans
  • 1.27%Loss allowance to noncurrent loans
  • 1296.96%Noncurrent assets plus other real estate owned to assets
  • 0.06%Noncurrent loans to loans
  • 0.10%Net loans and leases to deposits
  • 94.55%Net loans and leases to core deposits
  • 105.72%Equity capital to assets
  • 7.03%Core capital (leverage) ratio
  • 7.36%Tier 1 risk-based capital ratio
  • 10.71%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $506,180Average earning assets
  • $37,178Average equity
  • $443,292Average loans

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