Home > The Owensboro National Bank > Assets and Liabilities
The Owensboro National Bank, Assets and Liabilities
| 1999-12-31 | Rank | |
| # of Employees: | 176 | 942 |
| Assets and Liabilities | ||
| Total Assets: | $509,740,000 | 951 |
| Cash and due from depository institutions | $49,041,000 | 942 |
| Interest-bearing balances | $5,052,000 | 817 |
| Securities | $138,790,000 | 847 |
| Federal funds sold & reverse repurchase agreements | $7,200,000 | 1,330 |
| Net loans & leases | $299,540,000 | 1,030 |
| Loan loss allowance | $3,839,000 | 1,018 |
| Trading account assets | $0 | 165 |
| Bank premises and fixed assets | $7,522,000 | 1,084 |
| Other real estate owned | $0 | 942 |
| Goodwill and other intangibles | $1,241,000 | 1,362 |
| All other assets | $6,406,000 | 1,464 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $509,740,000 | 951 |
| Total liabilities | $473,897,000 | 932 |
| Total deposits | $316,795,000 | 1,171 |
| Interest-bearing deposits | $241,006,000 | 1,352 |
| Deposits held in domestic offices | $316,795,000 | 1,165 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $116,007,000 | 319 |
| Trading liabilities | $0 | 65 |
| Other borrowed funds | $39,145,000 | 866 |
| Subordinated debt | $0 | 242 |
| All other liabilities | $1,950,000 | 1,903 |
| Total equity capital | $35,843,000 | 1,254 |
| Total bank equity capital | $35,843,000 | 1,254 |
| Perpetual preferred stock | $0 | 193 |
| Common stock | $8,000,000 | 420 |
| Surplus | $8,000,000 | 2,002 |
| Undivided profits | $19,843,000 | 1,269 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $296,000 | 4,812 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,502 |
| Income earned, not collected on loans | $2,300,000 | 918 |
| Earning assets | $450,582,000 | 983 |
| Long-term assets (5+ years) | $79,915,000 | 1,180 |
| Average Assets, year-to-date | $506,180,400 | 924 |
| Average Assets, quarterly | $513,912,500 | 939 |
| Volatile liabilities | $188,617,000 | 639 |
| Insider loans | $32,027,000 | 122 |
| FHLB advances | $0 | 802 |
| Loans and leases held for sale | $1,394,000 | 605 |
| Unused loan commitments | $99,061,000 | 741 |
| Tier 1 (core) risk-based capital | $36,317,900 | 1,217 |
| Tier 2 risk-based capital | $3,839,000 | 964 |
| Total risk weighted assets | $339,113,100 | 949 |
| Total unused commitments | $99,061,000 | 741 |
| Derivatives | $0 | 488 |
| 1998-12-31 | Rank | |
| # of Employees: | 156 | 1,082 |
| Assets and Liabilities | ||
| Total Assets: | $525,734,000 | 897 |
| Cash and due from depository institutions | $79,271,000 | 1,082 |
| Interest-bearing balances | $6,207,000 | 1,008 |
| Securities | $120,158,000 | 968 |
| Federal funds sold & reverse repurchase agreements | $14,000,000 | 1,179 |
| Net loans & leases | $297,489,000 | 966 |
| Loan loss allowance | $3,990,000 | 962 |
| Trading account assets | $0 | 197 |
| Bank premises and fixed assets | $6,814,000 | 1,152 |
| Other real estate owned | $0 | 1,082 |
| Goodwill and other intangibles | $903,000 | 1,496 |
| All other assets | $7,099,000 | 1,157 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $525,734,000 | 897 |
| Total liabilities | $487,145,000 | 878 |
| Total deposits | $366,432,000 | 996 |
| Interest-bearing deposits | $267,403,000 | 1,188 |
| Deposits held in domestic offices | $366,432,000 | 993 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $107,877,000 | 301 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $10,294,000 | 1,517 |
| Subordinated debt | $0 | 255 |
| All other liabilities | $2,542,000 | 1,619 |
| Total equity capital | $38,589,000 | 1,161 |
| Total bank equity capital | $38,589,000 | 1,161 |
| Perpetual preferred stock | $0 | 199 |
| Common stock | $8,000,000 | 418 |
| Surplus | $8,000,000 | 1,922 |
| Undivided profits | $22,589,000 | 1,140 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $44,000 | 8,241 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,642 |
| Income earned, not collected on loans | $2,473,000 | 833 |
| Earning assets | $437,854,000 | 982 |
| Long-term assets (5+ years) | $69,512,000 | 1,214 |
| Average Assets, year-to-date | $489,700,000 | 912 |
| Average Assets, quarterly | $512,621,500 | 905 |
| Volatile liabilities | $144,183,000 | 655 |
| Insider loans | $32,405,000 | 109 |
| FHLB advances | $0 | 740 |
| Loans and leases held for sale | $4,244,000 | 578 |
| Unused loan commitments | $119,769,000 | 608 |
| Tier 1 (core) risk-based capital | $38,197,700 | 1,100 |
| Tier 2 risk-based capital | $3,991,000 | 882 |
| Total risk weighted assets | $329,058,500 | 901 |
| Total unused commitments | $119,769,000 | 611 |
| Derivatives | $0 | 527 |
| 1997-12-31 | Rank | |
| # of Employees: | 154 | 1,126 |
| Assets and Liabilities | ||
| Total Assets: | $475,668,000 | 1,006 |
| Cash and due from depository institutions | $58,043,000 | 1,126 |
| Interest-bearing balances | $4,286,000 | 1,043 |
| Securities | $124,150,000 | 934 |
| Federal funds sold & reverse repurchase agreements | $11,885,000 | 1,137 |
| Net loans & leases | $257,636,000 | 1,153 |
| Loan loss allowance | $4,073,000 | 967 |
| Trading account assets | $9,998,000 | 91 |
| Bank premises and fixed assets | $6,735,000 | 1,153 |
| Other real estate owned | $0 | 1,126 |
| Goodwill and other intangibles | $546,000 | 1,710 |
| All other assets | $6,675,000 | 1,184 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $475,668,000 | 1,006 |
| Total liabilities | $441,017,000 | 985 |
| Total deposits | $341,628,000 | 1,097 |
| Interest-bearing deposits | $262,679,000 | 1,239 |
| Deposits held in domestic offices | $341,628,000 | 1,092 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $62,647,000 | 433 |
| Trading liabilities | $0 | 80 |
| Other borrowed funds | $33,469,000 | 723 |
| Subordinated debt | $0 | 260 |
| All other liabilities | $3,273,000 | 1,365 |
| Total equity capital | $34,651,000 | 1,294 |
| Total bank equity capital | $34,651,000 | 1,294 |
| Perpetual preferred stock | $0 | 223 |
| Common stock | $8,000,000 | 433 |
| Surplus | $8,000,000 | 1,892 |
| Undivided profits | $18,651,000 | 1,387 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $845,000 | 2,821 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,731 |
| Income earned, not collected on loans | $2,556,000 | 850 |
| Earning assets | $407,955,000 | 1,062 |
| Long-term assets (5+ years) | $64,991,000 | 1,101 |
| Average Assets, year-to-date | $464,817,800 | 985 |
| Average Assets, quarterly | $469,376,000 | 1,009 |
| Volatile liabilities | $115,689,000 | 768 |
| Insider loans | $34,453,000 | 121 |
| FHLB advances | $0 | 780 |
| Loans and leases held for sale | $743,000 | 916 |
| Unused loan commitments | $104,369,000 | 630 |
| Tier 1 (core) risk-based capital | $34,512,400 | 1,224 |
| Tier 2 risk-based capital | $3,620,850 | 926 |
| Total risk weighted assets | $289,215,850 | 1,028 |
| Total unused commitments | $104,369,000 | 635 |
| Derivatives | $0 | 533 |
| 1996-12-31 | Rank | |
| # of Employees: | 156 | 1,186 |
| Assets and Liabilities | ||
| Total Assets: | $464,818,000 | 1,058 |
| Cash and due from depository institutions | $52,627,000 | 1,186 |
| Interest-bearing balances | $4,365,000 | 891 |
| Securities | $110,519,000 | 1,080 |
| Federal funds sold & reverse repurchase agreements | $19,215,000 | 689 |
| Net loans & leases | $258,379,000 | 1,174 |
| Loan loss allowance | $4,282,000 | 997 |
| Trading account assets | $9,998,000 | 96 |
| Bank premises and fixed assets | $6,913,000 | 1,125 |
| Other real estate owned | $0 | 1,186 |
| Goodwill and other intangibles | $278,000 | 1,974 |
| All other assets | $6,889,000 | 1,223 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $464,818,000 | 1,058 |
| Total liabilities | $432,341,000 | 1,029 |
| Total deposits | $343,881,000 | 1,134 |
| Interest-bearing deposits | $266,846,000 | 1,254 |
| Deposits held in domestic offices | $343,881,000 | 1,128 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $77,496,000 | 418 |
| Trading liabilities | $0 | 97 |
| Other borrowed funds | $7,833,000 | 1,508 |
| Subordinated debt | $0 | 298 |
| All other liabilities | $3,131,000 | 1,422 |
| Total equity capital | $32,477,000 | 1,391 |
| Total bank equity capital | $32,477,000 | 1,391 |
| Perpetual preferred stock | $0 | 250 |
| Common stock | $8,000,000 | 462 |
| Surplus | $8,000,000 | 1,953 |
| Undivided profits | $16,477,000 | 1,564 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $596,000 | 3,870 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,832 |
| Income earned, not collected on loans | $2,509,000 | 876 |
| Earning assets | $402,476,000 | 1,107 |
| Long-term assets (5+ years) | $42,316,000 | 1,484 |
| Average Assets, year-to-date | $438,970,800 | 1,071 |
| Average Assets, quarterly | $449,677,500 | 1,079 |
| Volatile liabilities | $115,011,000 | 795 |
| Insider loans | $26,901,000 | 197 |
| FHLB advances | $0 | 882 |
| Loans and leases held for sale | $19,552,000 | 151 |
| Unused loan commitments | $98,195,000 | 665 |
| Tier 1 (core) risk-based capital | $32,345,000 | 1,326 |
| Tier 2 risk-based capital | $3,641,820 | 954 |
| Total risk weighted assets | $290,705,320 | 1,038 |
| Total unused commitments | $98,195,000 | 669 |
| Derivatives | $0 | 549 |
| 1995-12-31 | Rank | |
| # of Employees: | 203 | 952 |
| Assets and Liabilities | ||
| Total Assets: | $429,668,000 | 1,146 |
| Cash and due from depository institutions | $23,819,000 | 952 |
| Interest-bearing balances | $25,000 | 6,063 |
| Securities | $121,619,000 | 1,028 |
| Federal funds sold & reverse repurchase agreements | $4,000,000 | 3,488 |
| Net loans & leases | $250,720,000 | 1,177 |
| Loan loss allowance | $4,854,000 | 924 |
| Trading account assets | $14,824,000 | 89 |
| Bank premises and fixed assets | $6,389,000 | 1,176 |
| Other real estate owned | $0 | 952 |
| Goodwill and other intangibles | $0 | 3,181 |
| All other assets | $8,297,000 | 1,097 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $429,668,000 | 1,146 |
| Total liabilities | $398,214,000 | 1,116 |
| Total deposits | $295,966,000 | 1,322 |
| Interest-bearing deposits | $244,041,000 | 1,396 |
| Deposits held in domestic offices | $295,966,000 | 1,309 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $92,404,000 | 401 |
| Trading liabilities | $0 | 110 |
| Other borrowed funds | $7,698,000 | 1,351 |
| Subordinated debt | $0 | 337 |
| All other liabilities | $2,146,000 | 1,985 |
| Total equity capital | $31,454,000 | 1,447 |
| Total bank equity capital | $31,454,000 | 1,447 |
| Perpetual preferred stock | $0 | 288 |
| Common stock | $8,000,000 | 478 |
| Surplus | $8,000,000 | 1,939 |
| Undivided profits | $15,454,000 | 1,695 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,148,000 | 2,366 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,782 |
| Income earned, not collected on loans | $2,627,000 | 879 |
| Earning assets | $391,188,000 | 1,154 |
| Long-term assets (5+ years) | $37,984,000 | 1,496 |
| Average Assets, year-to-date | $439,087,000 | 1,091 |
| Average Assets, quarterly | $436,492,000 | 1,121 |
| Volatile liabilities | $117,469,000 | 755 |
| Insider loans | $20,788,000 | 259 |
| FHLB advances | $0 | 855 |
| Loans and leases held for sale | $24,191,000 | 136 |
| Unused loan commitments | $97,116,000 | 693 |
| Tier 1 (core) risk-based capital | $30,995,000 | 1,388 |
| Tier 2 risk-based capital | $3,475,610 | 993 |
| Total risk weighted assets | $276,670,010 | 1,065 |
| Total unused commitments | $97,116,000 | 697 |
| Derivatives | $0 | 628 |
| 1994-12-31 | Rank | |
| # of Employees: | 229 | 867 |
| Assets and Liabilities | ||
| Total Assets: | $452,466,000 | 1,058 |
| Cash and due from depository institutions | $28,645,000 | 867 |
| Interest-bearing balances | $25,000 | 6,396 |
| Securities | $126,115,000 | 1,039 |
| Federal funds sold & reverse repurchase agreements | $24,600,000 | 450 |
| Net loans & leases | $238,248,000 | 1,197 |
| Loan loss allowance | $4,638,000 | 970 |
| Trading account assets | $19,731,000 | 79 |
| Bank premises and fixed assets | $6,313,000 | 1,148 |
| Other real estate owned | $0 | 867 |
| Goodwill and other intangibles | $0 | 3,133 |
| All other assets | $8,814,000 | 1,082 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $452,466,000 | 1,058 |
| Total liabilities | $422,917,000 | 1,033 |
| Total deposits | $282,354,000 | 1,352 |
| Interest-bearing deposits | $228,159,000 | 1,444 |
| Deposits held in domestic offices | $282,354,000 | 1,343 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $113,914,000 | 380 |
| Trading liabilities | $0 | 87 |
| Other borrowed funds | $24,465,000 | 810 |
| Subordinated debt | $0 | 372 |
| All other liabilities | $2,184,000 | 1,683 |
| Total equity capital | $29,549,000 | 1,388 |
| Total bank equity capital | $29,549,000 | 1,388 |
| Perpetual preferred stock | $0 | 310 |
| Common stock | $8,000,000 | 475 |
| Surplus | $8,000,000 | 1,874 |
| Undivided profits | $13,549,000 | 1,742 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,034,000 | 2,570 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,752 |
| Income earned, not collected on loans | $2,278,000 | 882 |
| Earning assets | $408,719,000 | 1,067 |
| Long-term assets (5+ years) | $46,370,000 | 1,251 |
| Average Assets, year-to-date | $410,513,600 | 1,117 |
| Average Assets, quarterly | $443,142,500 | 1,067 |
| Volatile liabilities | $154,246,000 | 627 |
| Insider loans | $14,317,000 | 317 |
| FHLB advances | $0 | 993 |
| Loans and leases held for sale | $8,688,000 | 198 |
| Unused loan commitments | $41,037,000 | 1,141 |
| Tier 1 (core) risk-based capital | $30,720,000 | 1,342 |
| Tier 2 risk-based capital | $3,581,390 | 950 |
| Total risk weighted assets | $285,454,290 | 1,017 |
| Total unused commitments | $41,037,000 | 1,148 |
| Derivatives | $5,000,000 | 553 |
| 1993-12-31 | Rank | |
| # of Employees: | 219 | 950 |
| Assets and Liabilities | ||
| Total Assets: | $378,287,000 | 1,274 |
| Cash and due from depository institutions | $23,325,000 | 950 |
| Interest-bearing balances | $22,000 | 7,276 |
| Securities | $107,344,000 | 1,286 |
| Federal funds sold & reverse repurchase agreements | $3,000,000 | 4,365 |
| Net loans & leases | $210,428,000 | 1,318 |
| Loan loss allowance | $4,224,000 | 1,111 |
| Trading account assets | $19,852,000 | 92 |
| Bank premises and fixed assets | $6,305,000 | 1,154 |
| Other real estate owned | $541,000 | 950 |
| Goodwill and other intangibles | $0 | 3,091 |
| All other assets | $7,492,000 | 1,176 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $378,287,000 | 1,274 |
| Total liabilities | $352,102,000 | 1,246 |
| Total deposits | $274,472,000 | 1,456 |
| Interest-bearing deposits | $206,931,000 | 1,668 |
| Deposits held in domestic offices | $274,472,000 | 1,445 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $61,170,000 | 452 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $15,103,000 | 876 |
| Subordinated debt | $0 | 413 |
| All other liabilities | $1,357,000 | 2,475 |
| Total equity capital | $26,185,000 | 1,575 |
| Total bank equity capital | $26,185,000 | 1,575 |
| Perpetual preferred stock | $0 | 343 |
| Common stock | $8,000,000 | 471 |
| Surplus | $8,000,000 | 1,790 |
| Undivided profits | $10,185,000 | 2,324 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,000 | 12,310 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,950 |
| Income earned, not collected on loans | $1,692,000 | 1,011 |
| Earning assets | $340,646,000 | 1,291 |
| Long-term assets (5+ years) | $42,773,000 | 1,392 |
| Average Assets, year-to-date | $371,974,800 | 1,258 |
| Average Assets, quarterly | $383,421,000 | 1,241 |
| Volatile liabilities | $88,215,000 | 834 |
| Insider loans | $11,388,000 | 382 |
| FHLB advances | $0 | 821 |
| Loans and leases held for sale | $28,159,000 | 163 |
| Unused loan commitments | $28,541,000 | 1,487 |
| Tier 1 (core) risk-based capital | $26,185,000 | 1,527 |
| Tier 2 risk-based capital | $3,031,380 | 1,101 |
| Total risk weighted assets | $241,317,480 | 1,170 |
| Total unused commitments | $28,541,000 | 1,513 |
| Derivatives | $0 | 714 |
| 1992-12-31 | Rank | |
| # of Employees: | 186 | 1,144 |
| Assets and Liabilities | ||
| Total Assets: | $366,903,000 | 1,339 |
| Cash and due from depository institutions | $36,578,000 | 1,144 |
| Interest-bearing balances | $1,000,000 | 3,780 |
| Securities | $111,879,000 | 1,212 |
| Federal funds sold & reverse repurchase agreements | $19,000,000 | 901 |
| Net loans & leases | $188,094,000 | 1,510 |
| Loan loss allowance | $3,402,000 | 1,390 |
| Trading account assets | $0 | 344 |
| Bank premises and fixed assets | $4,505,000 | 1,631 |
| Other real estate owned | $99,000 | 1,144 |
| Goodwill and other intangibles | $0 | 3,106 |
| All other assets | $6,748,000 | 1,310 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $366,903,000 | 1,339 |
| Total liabilities | $339,353,000 | 1,328 |
| Total deposits | $279,259,000 | 1,503 |
| Interest-bearing deposits | $208,851,000 | 1,741 |
| Deposits held in domestic offices | $279,259,000 | 1,489 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $43,836,000 | 463 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $14,748,000 | 809 |
| Subordinated debt | $0 | 482 |
| All other liabilities | $1,510,000 | 2,345 |
| Total equity capital | $27,550,000 | 1,409 |
| Total bank equity capital | $27,550,000 | 1,409 |
| Perpetual preferred stock | $0 | 346 |
| Common stock | $8,000,000 | 473 |
| Surplus | $8,000,000 | 1,730 |
| Undivided profits | $11,550,000 | 1,900 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $663,000 | 4,780 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1 |
| Income earned, not collected on loans | $2,221,000 | 887 |
| Earning assets | $319,973,000 | 1,403 |
| Long-term assets (5+ years) | $32,343,000 | 1,739 |
| Average Assets, year-to-date | $357,221,800 | 1,344 |
| Average Assets, quarterly | $357,436,500 | 1,372 |
| Volatile liabilities | $72,092,000 | 920 |
| Insider loans | $3,117,000 | 180 |
| FHLB advances | $0 | 832 |
| Loans and leases held for sale | $12,841,000 | 202 |
| Unused loan commitments | $21,502,000 | 1,740 |
| Tier 1 (core) risk-based capital | $27,550,000 | 1,369 |
| Tier 2 risk-based capital | $2,775,250 | 1,207 |
| Total risk weighted assets | $221,393,250 | 1,321 |
| Total unused commitments | $21,502,000 | 1,758 |
| Derivatives | $0 | 651 |