Citizens First State Bank in Hartford City, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of March 05, 2005

  • Citizens First State Bank in Hartford City, Indiana (IN)
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Citizens First State Bank - Overview

  • General
  • FDIC Certificate #: 5782
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Community First Bank & Trust (#10660)
    Federal Reserve ID: 240141
    Date Established: March 13, 1893
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Interstate: No)
    OTS Docket #: 13216
    FDIC's unique #: 3944
    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: March 05, 2005
    Last Structure Change Process Date: April 07, 2005
    Last Data Update: April 07, 2005
    Data Source Date: April 05, 2012
  • Location
  • Address: 101 West Washington Street, Hartford City, IN 47348
    County: Blackford
    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: $94.0 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, 2004)

  • Dollar figures in thousands
  • 44Total employees (full-time equivalent)
  • $94,034Total assets
  • $4,338Cash and due from depository institutions
  • $0Interest-bearing balances
  • $9,711Securities
  • $5,200Federal funds sold & reverse repurchase agreements
  • $69,009Net loans & leases
  • $1,113Loan loss allowance
  • $0Trading account assets
  • $2,481Bank premises and fixed assets
  • $179Other real estate owned
  • $66Goodwill and other intangibles
  • $0Life insurance assets
  • $3,050All other assets
  • $94,034Total liabilities and capital
  • $86,213Total liabilities
  • $80,920Total deposits
  • $70,668Interest-bearing deposits
  • $80,920Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $1,945Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $2,261Other borrowed funds
  • $0Subordinated debt
  • $1,087All other liabilities
  • $7,821Total equity capital
  • $7,821Total bank equity capital
  • $7,821Perpetual preferred stock
  • $0Common stock
  • $882Surplus
  • $6,232Undivided profits
  • Memoranda
  • $707Noncurrent loans and leases
  • $13,660Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $1,284Earning assets
  • $0Long-term assets (5+ years)
  • $651Average Assets, year-to-date
  • $83,920Average Assets, quarterly
  • $17,304Volatile liabilities
  • $95,003Insider loans
  • $94,214FHLB advances
  • $7,603Loans and leases held for sale
  • $1,051Unused loan commitments
  • $2,000Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $13,660Total unused commitments
  • $0Restructured Loans and leases
  • $1,008Derivatives

Income and Expense (December 31, 2004)

  • Dollar figures in thousands
  • $4,830Total interest income
  • $1,005Total interest expense
  • $3,825Net interest income
  • $295Provision for loan and lease losses
  • $766Total noninterest income
  • $130Fiduciary activities
  • $370Service charges on deposit accounts
  • $0Trading account gains & fees
  • $266Additional noninterest income
  • $3,549Total noninterest expense
  • $1,785Salaries and employee benefits
  • $333Premises and equipment expense
  • $1,431Additional noninterest expense
  • $747Pre-tax net operating income
  • -$8Securities gains (losses)
  • $309Applicable income taxes
  • $430Income before extraordinary items
  • $0Extraordinary gains - net
  • $430Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $207Sale, conversion, retirement of capital stock, net
  • $453Net operating income

Performance and Condition Ratios (December 31, 2004)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.67%Yield on earning assets
  • 1.18%Cost of funding earning assets
  • 4.49%Net interest margin
  • 0.90%Noninterest income to earning assets
  • 4.17%Noninterest expense to earning assets
  • 0.46%Net operating income to assets
  • 0.45%Return on assets (ROA)
  • 0.78%Pretax return on assets
  • 5.50%Return on equity (ROE)
  • -0.29%Retained earnings to average equity (YTD only)
  • 0.29%Net charge-offs to loans
  • 142.51%Credit loss provision to net charge-offs
  • 5.03%Efficiency ratio
  • 77,303Assets per employee
  • 2.14%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 105.35%Loss allowance to loans
  • 1.59%Loss allowance to noncurrent loans
  • 86.68%Noncurrent assets plus other real estate owned to assets
  • 1.56%Noncurrent loans to loans
  • 1.83%Net loans and leases to deposits
  • 85.28%Net loans and leases to core deposits
  • 91.37%Equity capital to assets
  • 8.32%Core capital (leverage) ratio
  • 8.39%Tier 1 risk-based capital ratio
  • 9.74%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $95,003Average earning assets
  • $7,820Average equity
  • $85,178Average loans

Total Fiduciary and Related Assets (December 31, 2004)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $17,882Managed Assets
  • 1Number of Accounts
  • $13,016Personal trust and agency accounts
  • $12,564Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $17Corporate trust and agency accounts
  • $435Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 61Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $4,866Other retirement accounts
  • $0Corporate trust and agency accounts
  • $426Other fiduciary accounts
  • $920Fiduciary accounts held in foreign offices

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