Bank of Geneva in city_name, state_name - Detailed Financial Reports, Location

Bank of Geneva in Geneva, Indiana (IN)
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Bank of Geneva routing number info

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
WWW: http://www.bankofgeneva.com
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

No	ID	Name	Address	Established	Service Type
0	3938	Bank Of Geneva	215 East Line Street, Geneva, IN 46740	October 12, 1892	Full Service Brick and Mortar
1	208139	Monroe Branch	150 West Washington Street, Monroe, IN 46772	Febuary 15, 1967	Full Service Brick and Mortar
2	208140	Berne Branch	100 Ushy 27 N, Berne, IN 46711	April 07, 1975	Full Service Brick and Mortar
4	445195	Portland Branch	1451 North Meridian Street, Portland, IN 47371	September 12, 2005	Full Service Brick and Mortar

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

Bank of Geneva - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

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

Bank of Geneva - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

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