United Commonwealth Bank, FSB in Murray, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of Febuary 19, 1999

United Commonwealth Bank, FSB in Murray, Kentucky (KY)
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United Commonwealth Bank, FSB - Overview

General
FDIC Certificate #: 33643
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Firstar Bank Kentucky (#5861)
Federal Reserve ID: 1989214
Date Established: September 14, 1992
Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
OTS Docket #: 10156
FDIC's unique #: 47724
Numeric code: 33
Regulator: OTS
Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
FDIC Insured: Yes
SAIF Insured: Yes
Insured Savings Institution: Yes
Oakar Institutions: Yes
State Chartered: No
Date of Deposit Insurance: September 14, 1992
Last Structure Change Effective Date: Febuary 19, 1999
Last Structure Change Process Date: March 10, 1999
Last Data Update: March 10, 1999
Data Source Date: April 05, 2012
Location
Address: 1111 Main Street, Murray, KY 42071
County: Calloway
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Kansas City
FDIC Field Office: Hopkinsville
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Southeast
Core Based Statistical Area (CBSA): Murray, KY (#34660)
CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $71.5 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, 1998)

Dollar figures in thousands
15Total employees (full-time equivalent)
$71,478Total assets
$1,567Cash and due from depository institutions
$121Interest-bearing balances
$10,461Securities
$0Federal funds sold & reverse repurchase agreements
$55,843Net loans & leases
$364Loan loss allowance
$0Trading account assets
$151Bank premises and fixed assets
$72Other real estate owned
$1,782Goodwill and other intangibles
$0Life insurance assets
$1,602All other assets
$71,478Total liabilities and capital
$63,039Total liabilities
$46,177Total deposits
$46,177Interest-bearing deposits
$46,177Deposits held in domestic offices
0.00%% insured (estimated)
$3,232Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$13,047Subordinated debt
$583All other liabilities
$8,439Total equity capital
$8,439Total bank equity capital
$8,439Perpetual preferred stock
$0Common stock
$1Surplus
$6,591Undivided profits
Memoranda
$1,847Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$239Earning assets
$0Long-term assets (5+ years)
$316Average Assets, year-to-date
$66,425Average Assets, quarterly
$0Volatile liabilities
$74,857Insider loans
$71,538FHLB advances
$11,600Loans and leases held for sale
$549Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$3,391Total unused commitments
$0Restructured Loans and leases
$44,190Derivatives

Income and Expense (December 31, 1998)

Dollar figures in thousands
$5,517Total interest income
$3,169Total interest expense
$2,348Net interest income
$162Provision for loan and lease losses
$826Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$826Additional noninterest income
$1,568Total noninterest expense
$516Salaries and employee benefits
$410Premises and equipment expense
$642Additional noninterest expense
$1,444Pre-tax net operating income
$0Securities gains (losses)
$499Applicable income taxes
$945Income before extraordinary items
$0Extraordinary gains - net
$945Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$122Sale, conversion, retirement of capital stock, net
$100Net operating income

Performance and Condition Ratios (December 31, 1998)

Dollar figures in thousands
Performance Ratios (%, annualized)
7.98%Yield on earning assets
4.59%Cost of funding earning assets
3.40%Net interest margin
1.20%Noninterest income to earning assets
2.27%Noninterest expense to earning assets
1.26%Net operating income to assets
1.26%Return on assets (ROA)
1.93%Pretax return on assets
11.87%Return on equity (ROE)
10.61%Retained earnings to average equity (YTD only)
0.22%Net charge-offs to loans
132.79%Credit loss provision to net charge-offs
13.16%Efficiency ratio
45,243Assets per employee
4.77%Cash dividends to net income (YTD only)
Condition Ratios (%)
10.58%Loss allowance to loans
0.65%Loss allowance to noncurrent loans
152.30%Noncurrent assets plus other real estate owned to assets
0.44%Noncurrent loans to loans
0.43%Net loans and leases to deposits
120.93%Net loans and leases to core deposits
147.70%Equity capital to assets
11.81%Core capital (leverage) ratio
9.38%Tier 1 risk-based capital ratio
14.75%Total risk-based capital ratio
Memoranda
$16Average assets
$74,857Average earning assets
$7,964Average equity
$69,098Average loans

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