The Citizens National Bank of Tell City in Tell City, Indiana (IN)
Table of contents:
| The Citizens National Bank of Tell City | |
|---|---|
| General | FDIC Certificate #: 4411 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution: Old National Bank (#4393) Federal Reserve ID: 713841 Date Established: May 09, 1904 Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 5 (Interstate: No) OTS Docket #: 10639 FDIC's unique #: 2911 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: January 01, 1934 Last Structure Change Effective Date: October 23, 1998 Last Structure Change Process Date: December 07, 1998 Last Data Update: December 07, 1998 Data Source Date: April 05, 2012 |
| Location | Address: 526-529 Main Street, Tell City, IN 47586 County: Perry Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Chicago FDIC Field Office: Indianapolis Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: Central |
| Financial Summary | Total assets: $164.9 mil |
| Assets and Liabilities (December 31, 1997) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 63 |
| Total assets | $160,633 |
| Cash and due from depository institutions | $4,597 |
| Interest-bearing balances | $57 |
| Securities | $48,346 |
| Federal funds sold & reverse repurchase agreements | $0 |
| Net loans & leases | $104,086 |
| Loan loss allowance | $1,393 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $1,771 |
| Other real estate owned | $49 |
| Goodwill and other intangibles | $0 |
| All other assets | $1,784 |
| Life insurance assets | $0 |
| Total liabilities and capital | $160,633 |
| Total liabilities | $146,356 |
| Total deposits | $141,133 |
| Interest-bearing deposits | $130,621 |
| Deposits held in domestic offices | $141,133 |
| % insured (estimated) | 0.00% |
| Federal funds purchased & repurchase agreements | $2,900 |
| Trading liabilities | $0 |
| Other borrowed funds | $811 |
| Subordinated debt | $0 |
| All other liabilities | $1,511 |
| Total equity capital | $14,277 |
| Total bank equity capital | $14,277 |
| Perpetual preferred stock | $14,277 |
| Common stock | $0 |
| Surplus | $1,552 |
| Undivided profits | $3,120 |
| Memoranda | |
| Noncurrent loans and leases | $9,605 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 |
| Income earned, not collected on loans | $0 |
| Earning assets | $315 |
| Long-term assets (5+ years) | $0 |
| Average Assets, year-to-date | $855 |
| Average Assets, quarterly | $152,489 |
| Volatile liabilities | $45,022 |
| Insider loans | $159,063 |
| FHLB advances | $160,527 |
| Loans and leases held for sale | $21,660 |
| Unused loan commitments | $1,565 |
| Tier 1 (core) risk-based capital | $0 |
| Tier 2 risk-based capital | $0 |
| Total risk weighted assets | $0 |
| Total unused commitments | $19,985 |
| Restructured Loans and leases | $0 |
| Derivatives | $100,447 |
| Income and Expense (December 31, 1997) (Dollar figures in thousands) | |
| Total interest income | $12,645 |
| Total interest expense | $6,271 |
| Net interest income | $6,374 |
| Provision for loan and lease losses | $75 |
| Total noninterest income | $595 |
| Fiduciary activities | $12 |
| Service charges on deposit accounts | $311 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $272 |
| Total noninterest expense | $3,323 |
| Salaries and employee benefits | $1,873 |
| Premises and equipment expense | $422 |
| Additional noninterest expense | $1,028 |
| Pre-tax net operating income | $3,571 |
| Securities gains (losses) | $0 |
| Applicable income taxes | $1,206 |
| Income before extraordinary items | $2,365 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | $2,365 |
| Net charge-offs | $0 |
| Cash dividends | $0 |
| Sale, conversion, retirement of capital stock, net | $7 |
| Net operating income | $2,998 |
| Performance and Condition Ratios (December 31, 1997) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 8.31% |
| Cost of funding earning assets | 4.12% |
| Net interest margin | 4.19% |
| Noninterest income to earning assets | 0.39% |
| Noninterest expense to earning assets | 2.18% |
| Net operating income to assets | 1.49% |
| Return on assets (ROA) | 1.49% |
| Pretax return on assets | 2.25% |
| Return on equity (ROE) | 16.73% |
| Retained earnings to average equity (YTD only) | -4.48% |
| Net charge-offs to loans | 0.01% |
| Credit loss provision to net charge-offs | 1071.43% |
| Efficiency ratio | 520.86% |
| Assets per employee | $47,683 |
| Cash dividends to net income (YTD only) | 2.55% |
| Condition Ratios (%) | |
| Loss allowance to loans | 126.77% |
| Loss allowance to noncurrent loans | 1.32% |
| Noncurrent assets plus other real estate owned to assets | 442.22% |
| Noncurrent loans to loans | 0.23% |
| Net loans and leases to deposits | 0.30% |
| Net loans and leases to core deposits | 73.75% |
| Equity capital to assets | 84.50% |
| Core capital (leverage) ratio | 8.89% |
| Tier 1 risk-based capital ratio | 8.68% |
| Total risk-based capital ratio | 13.75% |
| Memoranda | |
| Average assets | $15 |
| Average earning assets | $159,063 |
| Average equity | $14,137 |
| Average loans | $152,234 |
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