Trans Financial Bank, FSB in Russellville, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of July 26, 1997

Trans Financial Bank, FSB in Russellville, Kentucky (KY)
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Trans Financial Bank, FSB - Overview

General
FDIC Certificate #: 30772
Status: Inactive
Closing history: Office Sold
Acquiring institution: Trans Financial Bank, National Association (#17127)
Federal Reserve ID: 745075
Date Established: July 20, 1955
Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
OTS Docket #: 5896
FDIC's unique #: 43606
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: July 20, 1955
Last Structure Change Effective Date: July 26, 1997
Last Structure Change Process Date: August 14, 1997
Last Data Update: August 14, 1997
Data Source Date: April 05, 2012
Location
Address: 135 West Fourth Street, Russellville, KY 42276
County: Logan
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
History of Changes
Merger - Without Assistance
Corrections
Office Sold
Financial Summary
Total assets: $371.2 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)
$84Total assets
$365,429Cash and due from depository institutions
$12,084Interest-bearing balances
$0Securities
$69,793Federal funds sold & reverse repurchase agreements
$0Net loans & leases
$272,321Loan loss allowance
$2,145Trading account assets
$0Bank premises and fixed assets
$4,708Other real estate owned
$146Goodwill and other intangibles
$6,321Life insurance assets
$56All other assets
$0Total liabilities and capital
$365,429Total liabilities
$337,255Total deposits
$315,153Interest-bearing deposits
$297,128Deposits held in domestic offices
315153.00%% insured (estimated)
$94Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$18,625Subordinated debt
$0All other liabilities
$3,477Total equity capital
$3,477Total bank equity capital
$28,174Perpetual preferred stock
$0Common stock
$1Surplus
$23,622Undivided profits
Memoranda
$4,551Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$3,045Income earned, not collected on loans
$2,149Earning assets
$342,114Long-term assets (5+ years)
$0Average Assets, year-to-date
$368,738Average Assets, quarterly
$369,926Volatile liabilities
$60,620Insider loans
$2,586FHLB advances
$15,000Loans and leases held for sale
$0Unused loan commitments
$20,655Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$28,380Total risk weighted assets
$232,031Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1996)

Dollar figures in thousands
$0Total interest income
$27,895Total interest expense
$16,472Net interest income
$11,423Provision for loan and lease losses
$2,070Total noninterest income
$3,009Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$0Additional noninterest income
$3,009Total noninterest expense
$10,908Salaries and employee benefits
$3,078Premises and equipment expense
$1,751Additional noninterest expense
$6,079Pre-tax net operating income
$1,454Securities gains (losses)
$376Applicable income taxes
$626Income before extraordinary items
$1,204Extraordinary gains - net
$0Net income attributable to bank
$1,204Net charge-offs
$1,583Cash dividends
$7,001Sale, 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
8.00%Cost of funding earning assets
4.72%Net interest margin
3.28%Noninterest income to earning assets
0.86%Noninterest expense to earning assets
3.13%Net operating income to assets
0.26%Return on assets (ROA)
0.33%Pretax return on assets
0.50%Return on equity (ROE)
3.97%Retained earnings to average equity (YTD only)
-19.11%Net charge-offs to loans
0.58%Credit loss provision to net charge-offs
130.76%Efficiency ratio
75,464Assets per employee
4.35%Cash dividends to net income (YTD only)
Condition Ratios (%)
581.48%Loss allowance to loans
0.78%Loss allowance to noncurrent loans
70.44%Noncurrent assets plus other real estate owned to assets
0.87%Noncurrent loans to loans
1.11%Net loans and leases to deposits
86.41%Net loans and leases to core deposits
99.69%Equity capital to assets
7.71%Core capital (leverage) ratio
7.76%Tier 1 risk-based capital ratio
12.23%Total risk-based capital ratio
Memoranda
$13Average assets
$368,738Average earning assets
$30,329Average equity
$348,653Average loans

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