Citizens' National Bank of Linton in Linton, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of July 01, 1996

  • Citizens' National Bank of Linton in Linton, Indiana (IN)
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Citizens' National Bank of Linton - Overview

  • General
  • FDIC Certificate #: 14734
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: AmBank Indiana, National Association (#4415)
    Federal Reserve ID: 175047
    Date Established: August 29, 1934
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 2 (Interstate: No)
    FDIC's unique #: 9215
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: August 29, 1934
    Last Structure Change Effective Date: July 01, 1996
    Last Structure Change Process Date: July 10, 1996
    Last Data Update: July 10, 1996
    Data Source Date: April 05, 2012
  • Location
  • Address: 89 West Vincennes Street, Linton, IN 47441
    County: Greene
    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
    Core Based Statistical Area (CBSA): Bloomington, IN (#14020)
    CBSA Metro Statistical Area: Bloomington, IN (#14020)
  • Financial Summary
  • Total assets: $63.7 mil

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

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $30Total assets
  • $59,721Cash and due from depository institutions
  • $2,800Interest-bearing balances
  • $692Securities
  • $16,447Federal funds sold & reverse repurchase agreements
  • $353Net loans & leases
  • $38,346Loan loss allowance
  • $461Trading account assets
  • $0Bank premises and fixed assets
  • $709Other real estate owned
  • $0Goodwill and other intangibles
  • $1,066Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $59,721Total liabilities
  • $52,905Total deposits
  • $51,559Interest-bearing deposits
  • $44,559Deposits held in domestic offices
  • 51559.00%% insured (estimated)
  • $91Federal funds purchased & repurchase agreements
  • $947Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $399Total equity capital
  • $399Total bank equity capital
  • $6,816Perpetual preferred stock
  • $0Common stock
  • $335Surplus
  • $1,322Undivided profits
  • Memoranda
  • $5,159Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $211Income earned, not collected on loans
  • $333Earning assets
  • $55,838Long-term assets (5+ years)
  • $7,452Average Assets, year-to-date
  • $59,209Average Assets, quarterly
  • $59,261Volatile liabilities
  • $3,975Insider loans
  • $1,965FHLB advances
  • $0Loans and leases held for sale
  • $94Unused loan commitments
  • $4,789Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $6,664Total risk weighted assets
  • $39,855Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1995)

  • Dollar figures in thousands
  • $0Total interest income
  • $4,506Total interest expense
  • $1,928Net interest income
  • $2,578Provision for loan and lease losses
  • $30Total noninterest income
  • $355Fiduciary activities
  • $0Service charges on deposit accounts
  • $245Trading account gains & fees
  • $0Additional noninterest income
  • $110Total noninterest expense
  • $1,688Salaries and employee benefits
  • $803Premises and equipment expense
  • $206Additional noninterest expense
  • $679Pre-tax net operating income
  • $1,215Securities gains (losses)
  • $0Applicable income taxes
  • $383Income before extraordinary items
  • $832Extraordinary gains - net
  • $0Net income attributable to bank
  • $832Net charge-offs
  • $78Cash dividends
  • $330Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1995)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.15%Cost of funding earning assets
  • 3.49%Net interest margin
  • 4.66%Noninterest income to earning assets
  • 0.64%Noninterest expense to earning assets
  • 3.05%Net operating income to assets
  • 1.41%Return on assets (ROA)
  • 1.41%Pretax return on assets
  • 2.05%Return on equity (ROE)
  • 13.16%Retained earnings to average equity (YTD only)
  • 7.94%Net charge-offs to loans
  • 0.20%Credit loss provision to net charge-offs
  • 38.46%Efficiency ratio
  • 57,552Assets per employee
  • 1.99%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 39.66%Loss allowance to loans
  • 1.19%Loss allowance to noncurrent loans
  • 218.48%Noncurrent assets plus other real estate owned to assets
  • 0.35%Noncurrent loans to loans
  • 0.54%Net loans and leases to deposits
  • 74.37%Net loans and leases to core deposits
  • 79.01%Equity capital to assets
  • 11.41%Core capital (leverage) ratio
  • 11.09%Tier 1 risk-based capital ratio
  • 16.72%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $59,209Average earning assets
  • $6,323Average equity
  • $55,317Average loans

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