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

This bank is inactive as of October 01, 1994

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

  • General
  • FDIC Certificate #: 1838
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Lafayette Bank and Trust Company, National Association (#16512)
    Federal Reserve ID: 984847
    Date Established: January 01, 1897
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 4 (Interstate: No)
    FDIC's unique #: 1224
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: October 01, 1994
    Last Structure Change Process Date: October 19, 1994
    Last Data Update: October 19, 1994
    Data Source Date: April 05, 2012
  • Location
  • Address: U.S. Highway 24, Reynolds, IN 47980
    County: White
    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: $61.7 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $24Total assets
  • $61,865Cash and due from depository institutions
  • $2,170Interest-bearing balances
  • $0Securities
  • $20,081Federal funds sold & reverse repurchase agreements
  • $300Net loans & leases
  • $37,134Loan loss allowance
  • $1,401Trading account assets
  • $0Bank premises and fixed assets
  • $492Other real estate owned
  • $0Goodwill and other intangibles
  • $1,688Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $61,865Total liabilities
  • $56,605Total deposits
  • $55,667Interest-bearing deposits
  • $49,774Deposits held in domestic offices
  • 55667.00%% insured (estimated)
  • $87Federal funds purchased & repurchase agreements
  • $655Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $283Total equity capital
  • $283Total bank equity capital
  • $5,260Perpetual preferred stock
  • $0Common stock
  • $600Surplus
  • $2,083Undivided profits
  • Memoranda
  • $2,577Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $785Income earned, not collected on loans
  • $985Earning assets
  • $57,515Long-term assets (5+ years)
  • $19,606Average Assets, year-to-date
  • $59,749Average Assets, quarterly
  • $62,413Volatile liabilities
  • $3,755Insider loans
  • $346FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $3,947Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $5,260Total risk weighted assets
  • $42,458Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1993)

  • Dollar figures in thousands
  • $0Total interest income
  • $4,437Total interest expense
  • $2,002Net interest income
  • $2,435Provision for loan and lease losses
  • $386Total noninterest income
  • $223Fiduciary activities
  • $0Service charges on deposit accounts
  • $166Trading account gains & fees
  • $0Additional noninterest income
  • $57Total noninterest expense
  • $1,312Salaries and employee benefits
  • $527Premises and equipment expense
  • $172Additional noninterest expense
  • $613Pre-tax net operating income
  • $960Securities gains (losses)
  • $1Applicable income taxes
  • $322Income before extraordinary items
  • $639Extraordinary gains - net
  • $321Net income attributable to bank
  • $960Net charge-offs
  • $309Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1993)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.01%Cost of funding earning assets
  • 3.61%Net interest margin
  • 4.40%Noninterest income to earning assets
  • 0.40%Noninterest expense to earning assets
  • 2.37%Net operating income to assets
  • 1.07%Return on assets (ROA)
  • 1.61%Pretax return on assets
  • 2.15%Return on equity (ROE)
  • 20.17%Retained earnings to average equity (YTD only)
  • 20.17%Net charge-offs to loans
  • 0.83%Credit loss provision to net charge-offs
  • 124.92%Efficiency ratio
  • 49,360Assets per employee
  • 2.58%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.64%Loss allowance to noncurrent loans
  • 178.47%Noncurrent assets plus other real estate owned to assets
  • 1.27%Noncurrent loans to loans
  • 2.04%Net loans and leases to deposits
  • 66.71%Net loans and leases to core deposits
  • 70.64%Equity capital to assets
  • 8.50%Core capital (leverage) ratio
  • 8.18%Tier 1 risk-based capital ratio
  • 12.39%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $59,749Average earning assets
  • $4,759Average equity
  • $55,395Average loans

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