Chrisney State Bank in Chrisney, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of May 01, 1993

Chrisney State Bank in Chrisney, Indiana (IN)
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Chrisney State Bank - Overview

General
FDIC Certificate #: 12598
Status: Inactive
Closing history: Consolidated - Without Assistance
Acquiring institution: Lincolnland Bank (#33801)
Federal Reserve ID: 10447
Date Established: August 02, 1897
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 1 (Interstate: No)
FDIC's unique #: 7999
Numeric code: 21
Regulator: FDIC
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: May 01, 1993
Last Structure Change Process Date: May 13, 1993
Last Data Update: May 13, 1993
Data Source Date: April 05, 2012
Location
Address: Main And Market Streets, Chrisney, IN 47611
County: Spencer
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: $21.3 mil

Assets and Liabilities (December 31, 1992)

Dollar figures in thousands
0Total employees (full-time equivalent)
$7Total assets
$21,047Cash and due from depository institutions
$595Interest-bearing balances
$0Securities
$5,118Federal funds sold & reverse repurchase agreements
$1,950Net loans & leases
$12,875Loan loss allowance
$218Trading account assets
$0Bank premises and fixed assets
$123Other real estate owned
$0Goodwill and other intangibles
$386Life insurance assets
$0All other assets
$0Total liabilities and capital
$21,047Total liabilities
$17,558Total deposits
$17,432Interest-bearing deposits
$15,813Deposits held in domestic offices
17432.00%% insured (estimated)
$86Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$126Total equity capital
$126Total bank equity capital
$3,489Perpetual preferred stock
$0Common stock
$100Surplus
$1,300Undivided profits
Memoranda
$2,089Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$28Income earned, not collected on loans
$177Earning assets
$19,943Long-term assets (5+ years)
$3,563Average Assets, year-to-date
$21,080Average Assets, quarterly
$20,988Volatile liabilities
$2,336Insider loans
$156FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$1,261Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$3,489Total risk weighted assets
$11,774Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1992)

Dollar figures in thousands
$0Total interest income
$1,703Total interest expense
$804Net interest income
$899Provision for loan and lease losses
$6Total noninterest income
$78Fiduciary activities
$0Service charges on deposit accounts
$55Trading account gains & fees
$0Additional noninterest income
$23Total noninterest expense
$482Salaries and employee benefits
$262Premises and equipment expense
$41Additional noninterest expense
$179Pre-tax net operating income
$489Securities gains (losses)
$0Applicable income taxes
$141Income before extraordinary items
$348Extraordinary gains - net
$0Net income attributable to bank
$348Net charge-offs
$3Cash dividends
$77Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1992)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
8.44%Cost of funding earning assets
3.98%Net interest margin
4.46%Noninterest income to earning assets
0.39%Noninterest expense to earning assets
2.39%Net operating income to assets
1.65%Return on assets (ROA)
1.65%Pretax return on assets
2.32%Return on equity (ROE)
10.36%Retained earnings to average equity (YTD only)
8.07%Net charge-offs to loans
0.02%Credit loss provision to net charge-offs
200.00%Efficiency ratio
49,335Assets per employee
3.01%Cash dividends to net income (YTD only)
Condition Ratios (%)
22.13%Loss allowance to loans
1.67%Loss allowance to noncurrent loans
778.57%Noncurrent assets plus other real estate owned to assets
0.13%Noncurrent loans to loans
0.21%Net loans and leases to deposits
73.86%Net loans and leases to core deposits
85.29%Equity capital to assets
16.58%Core capital (leverage) ratio
16.42%Tier 1 risk-based capital ratio
29.63%Total risk-based capital ratio
Memoranda
$31Average assets
$21,080Average earning assets
$3,358Average equity
$20,176Average loans

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