Bank of Geneva in Geneva, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Bank of Geneva in Geneva, Indiana (IN)
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Bank of Geneva - Overview

  • General
  • FDIC Certificate #: 5775
    Status: Active
    Federal Reserve ID: 590949
    Bank Holding Company (Regulatory Top Holder): Limberlost Bancshares, Inc. (RSSDID: 2749433, Location: Geneva, IN)
    Date Established: October 12, 1892
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 13001
    FDIC's unique #: 3938
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 215 East Line Street, Geneva, IN 46740
    County: Adams
    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
    Metropolitan Statistical Area (MSA): Fort Wayne, IN (#2760)
    Combined Statistical Area (CSA): Fort Wayne-Huntington-Auburn, IN (#258)
    Core Based Statistical Area (CBSA): Decatur, IN (#19540)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $153.9 mil
    Equity capital: $17.5 mil
    Deposits held in domestic offices: $125.2 mil
    Return on assets (ROA): 1.54% ($2.4 mil)
    Quarterly return on assets: 1.33% ($2.0 mil)
    Return on Equity (ROE): 13.30% ($2.3 mil)
    Quarterly return on equity: 11.33% ($1.9 mil)
    Net income: $2.2 mil
    Quarterly Net income: $0.5 mil
    Pretax return on assets: 1.54% ($2,369.8 mil)
    Quarterly Pretax return on assets: 1.33% ($2,046.6 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, 2011)

  • Dollar figures in thousands
  • 53Total employees (full-time equivalent)
  • $153,881Total assets
  • $5,902Cash and due from depository institutions
  • $2,251Interest-bearing balances
  • $9,722Securities
  • $3,914Federal funds sold & reverse repurchase agreements
  • $128,745Net loans & leases
  • $868Loan loss allowance
  • $0Trading account assets
  • $2,486Bank premises and fixed assets
  • $483Other real estate owned
  • $25Goodwill and other intangibles
  • $153,881Life insurance assets
  • $2,604All other assets
  • $136,385Total liabilities and capital
  • $125,247Total liabilities
  • $103,054Total deposits
  • $125,247Interest-bearing deposits
  • $76Deposits held in domestic offices
  • 1273.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $9,486Trading liabilities
  • $0Other borrowed funds
  • $379Subordinated debt
  • $17,496All other liabilities
  • $17,496Total equity capital
  • $17,496Total bank equity capital
  • $0Perpetual preferred stock
  • $2,750Common stock
  • $5,157Surplus
  • $9,589Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $37Income earned, not collected on loans
  • $0Earning assets
  • $689Long-term assets (5+ years)
  • $144,632Average Assets, year-to-date
  • $19,477Average Assets, quarterly
  • $144,502Volatile liabilities
  • $147,081Insider loans
  • $119,282FHLB advances
  • $147,610Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $17,337Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $17,598Restructured Loans and leases
  • $1,381Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,476Total interest income
  • $1,199Total interest expense
  • $6,277Net interest income
  • $180Provision for loan and lease losses
  • $489Total noninterest income
  • $26Fiduciary activities
  • $189Service charges on deposit accounts
  • $0Trading account gains & fees
  • $274Additional noninterest income
  • $4,429Total noninterest expense
  • $2,685Salaries and employee benefits
  • $471Premises and equipment expense
  • $1,273Additional noninterest expense
  • $2,157Pre-tax net operating income
  • $63Securities gains (losses)
  • $0Applicable income taxes
  • $2,220Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,220Net income attributable to bank
  • $0Net charge-offs
  • $2,220Cash dividends
  • $176Sale, conversion, retirement of capital stock, net
  • $997Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.47%Yield on earning assets
  • 0.88%Cost of funding earning assets
  • 4.59%Net interest margin
  • 0.36%Noninterest income to earning assets
  • 3.24%Noninterest expense to earning assets
  • 1.49%Net operating income to assets
  • 1.54%Return on assets (ROA)
  • 1.54%Pretax return on assets
  • 13.30%Return on equity (ROE)
  • 7.33%Retained earnings to average equity (YTD only)
  • 0.14%Net charge-offs to loans
  • 102.27%Credit loss provision to net charge-offs
  • 13.28%Efficiency ratio
  • 65,460Assets per employee
  • 2.90%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 44.91%Loss allowance to loans
  • 0.67%Loss allowance to noncurrent loans
  • 2345.95%Noncurrent assets plus other real estate owned to assets
  • 0.34%Noncurrent loans to loans
  • 0.03%Net loans and leases to deposits
  • 102.79%Net loans and leases to core deposits
  • 104.29%Equity capital to assets
  • 11.37%Core capital (leverage) ratio
  • 11.75%Tier 1 risk-based capital ratio
  • 14.53%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $144,502Average earning assets
  • $16,688Average equity
  • $136,790Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $4,078Managed Assets
  • 1Number of Accounts
  • $4,078Personal trust and agency accounts
  • $4,078Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 55Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $593Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 4 Indiana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03938Bank Of Geneva215 East Line Street, Geneva, IN 46740October 12, 1892Full Service Brick and Mortar
    1208139Monroe Branch150 West Washington Street, Monroe, IN 46772Febuary 15, 1967Full Service Brick and Mortar
    2208140Berne Branch100 Ushy 27 N, Berne, IN 46711April 07, 1975Full Service Brick and Mortar
    4445195Portland Branch1451 North Meridian Street, Portland, IN 47371September 12, 2005Full Service Brick and Mortar

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