FDIC Certificate #: 22799 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Citizens Union Bank of Shelbyville (#5840) Federal Reserve ID: 557045 Date Established: Febuary 03, 1979 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 4 (Interstate: No) OTS Docket #: 12583 FDIC's unique #: 15922 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes State Chartered: Yes Date of Deposit Insurance: Febuary 03, 1979 Last Structure Change Effective Date: June 14, 2003 Last Structure Change Process Date: June 23, 2003 Last Data Update: June 23, 2003 Data Source Date: April 05, 2012
Location
Address: South Lincoln Boulevard, Hodgenville, KY 42748 County: Larue Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Chicago FDIC Field Office: Elizabethtown Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: Southeast Combined Statistical Area (CSA): Louisville-Jefferson County-Elizabethtown-Scottsburg, KY-IN (#350) Core Based Statistical Area (CBSA): Elizabethtown, KY (#21060) CBSA Metro Statistical Area: Elizabethtown, KY (#21060)
Financial Summary
Total assets: $68.7 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
2000 - 2011 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, 2002)
Dollar figures in thousands
30Total employees (full-time equivalent)
$69,467Total assets
$3,034Cash and due from depository institutions
$0Interest-bearing balances
$5,950Securities
$5,151Federal funds sold & reverse repurchase agreements
$51,642Net loans & leases
$1,523Loan loss allowance
$0Trading account assets
$793Bank premises and fixed assets
$47Other real estate owned
$1,240Goodwill and other intangibles
$0Life insurance assets
$1,610All other assets
$69,467Total liabilities and capital
$64,379Total liabilities
$50,145Total deposits
$44,167Interest-bearing deposits
$50,145Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$14,000Other borrowed funds
$0Subordinated debt
$234All other liabilities
$5,088Total equity capital
$5,088Total bank equity capital
$5,088Perpetual preferred stock
$0Common stock
$440Surplus
$5,560Undivided profits
Memoranda
$-912Noncurrent loans and leases
$2,207Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$3,308Earning assets
$0Long-term assets (5+ years)
$652Average Assets, year-to-date
$62,743Average Assets, quarterly
$8,907Volatile liabilities
$73,746Insider loans
$69,535FHLB advances
$11,641Loans and leases held for sale
$124Unused loan commitments
$14,000Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$2,207Total unused commitments
$0Restructured Loans and leases
$555Derivatives
Income and Expense (December 31, 2002)
Dollar figures in thousands
$5,361Total interest income
$2,770Total interest expense
$2,591Net interest income
$500Provision for loan and lease losses
$386Total noninterest income
$0Fiduciary activities
$320Service charges on deposit accounts
$0Trading account gains & fees
$66Additional noninterest income
$2,150Total noninterest expense
$1,140Salaries and employee benefits
$227Premises and equipment expense
$783Additional noninterest expense
$327Pre-tax net operating income
-$9Securities gains (losses)
$0Applicable income taxes
$318Income before extraordinary items
$0Extraordinary gains - net
$318Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$804Sale, conversion, retirement of capital stock, net
$208Net operating income
Performance and Condition Ratios (December 31, 2002)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.94%Yield on earning assets
4.10%Cost of funding earning assets
3.84%Net interest margin
0.57%Noninterest income to earning assets
3.18%Noninterest expense to earning assets
0.44%Net operating income to assets
0.43%Return on assets (ROA)
0.43%Pretax return on assets
6.38%Return on equity (ROE)
2.21%Retained earnings to average equity (YTD only)
1.41%Net charge-offs to loans
62.19%Credit loss provision to net charge-offs
1.03%Efficiency ratio
72,220Assets per employee
2.32%Cash dividends to net income (YTD only)
Condition Ratios (%)
65.41%Loss allowance to loans
2.86%Loss allowance to noncurrent loans
46.04%Noncurrent assets plus other real estate owned to assets
4.83%Noncurrent loans to loans
6.22%Net loans and leases to deposits
102.99%Net loans and leases to core deposits
134.12%Equity capital to assets
7.32%Core capital (leverage) ratio
5.59%Tier 1 risk-based capital ratio
8.79%Total risk-based capital ratio
Memoranda
$10Average assets
$73,746Average earning assets
$4,986Average equity
$67,545Average loans
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