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

  • DeMotte State Bank in Demotte, Indiana (IN)
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DeMotte State Bank - Overview

  • General
  • FDIC Certificate #: 15883
    Status: Active
    Federal Reserve ID: 539340
    Bank Holding Company (Regulatory Top Holder): Demotte Bancorp (RSSDID: 1130164, Location: De Motte, IN)
    Date Established: Febuary 02, 1942
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 11 (Domestic: 11, Interstate: No)
    OTS Docket #: 13950
    FDIC's unique #: 10119
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: March 02, 1942
    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: 210 South Halleck Street, Demotte, IN 46310
    County: Jasper
    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
    Combined Statistical Area (CSA): Chicago-Naperville-Michigan City, IL-IN-WI (#176)
    Core Based Statistical Area (CBSA): Chicago-Joliet-Naperville, IL-IN-WI (#16980)
    CBSA Metro Statistical Area: Chicago-Joliet-Naperville, IL-IN-WI (#16980)
    Core Based Statistical Division: Gary, IN (#23844)
  • History of Changes
  • Corrections
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $359.4 mil
    Equity capital: $40.6 mil
    Deposits held in domestic offices: $277.9 mil
    Return on assets (ROA): 0.82% ($2.9 mil)
    Quarterly return on assets: 0.71% ($2.5 mil)
    Return on Equity (ROE): 7.28% ($3.0 mil)
    Quarterly return on equity: 6.17% ($2.5 mil)
    Net income: $2.9 mil
    Quarterly Net income: $0.6 mil
    Pretax return on assets: 1.24% ($4,456.9 mil)
    Quarterly Pretax return on assets: 1.10% ($3,953.7 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
  • 133Total employees (full-time equivalent)
  • $359,427Total assets
  • $13,393Cash and due from depository institutions
  • $1,727Interest-bearing balances
  • $121,135Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $196,565Net loans & leases
  • $2,963Loan loss allowance
  • $0Trading account assets
  • $6,053Bank premises and fixed assets
  • $4,752Other real estate owned
  • $0Goodwill and other intangibles
  • $359,427Life insurance assets
  • $17,529All other assets
  • $318,841Total liabilities and capital
  • $277,943Total liabilities
  • $223,064Total deposits
  • $277,943Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 6697.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $33,273Trading liabilities
  • $0Other borrowed funds
  • $928Subordinated debt
  • $40,586All other liabilities
  • $40,586Total equity capital
  • $40,586Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $12,900Surplus
  • $27,586Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $8,160Income earned, not collected on loans
  • $0Earning assets
  • $2,859Long-term assets (5+ years)
  • $319,427Average Assets, year-to-date
  • $137,670Average Assets, quarterly
  • $353,418Volatile liabilities
  • $356,970Insider loans
  • $226,918FHLB advances
  • $358,086Loans and leases held for sale
  • $9,789Unused loan commitments
  • $3,000Tier 1 (core) risk-based capital
  • $40,194Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $6,789Total unused commitments
  • $34,218Restructured Loans and leases
  • $9,817Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $17,066Total interest income
  • $4,629Total interest expense
  • $12,437Net interest income
  • $476Provision for loan and lease losses
  • $1,997Total noninterest income
  • $26Fiduciary activities
  • $1,017Service charges on deposit accounts
  • $0Trading account gains & fees
  • $954Additional noninterest income
  • $9,995Total noninterest expense
  • $5,842Salaries and employee benefits
  • $1,392Premises and equipment expense
  • $2,761Additional noninterest expense
  • $3,963Pre-tax net operating income
  • $416Securities gains (losses)
  • $1,477Applicable income taxes
  • $2,902Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,902Net income attributable to bank
  • $0Net charge-offs
  • $2,902Cash dividends
  • $606Sale, conversion, retirement of capital stock, net
  • $1,034Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.38%Yield on earning assets
  • 1.46%Cost of funding earning assets
  • 3.92%Net interest margin
  • 0.63%Noninterest income to earning assets
  • 3.15%Noninterest expense to earning assets
  • 0.74%Net operating income to assets
  • 0.82%Return on assets (ROA)
  • 1.24%Pretax return on assets
  • 7.28%Return on equity (ROE)
  • 4.68%Retained earnings to average equity (YTD only)
  • 0.29%Net charge-offs to loans
  • 78.55%Credit loss provision to net charge-offs
  • 7.33%Efficiency ratio
  • 69,246Assets per employee
  • 2.70%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 35.63%Loss allowance to loans
  • 1.49%Loss allowance to noncurrent loans
  • 36.31%Noncurrent assets plus other real estate owned to assets
  • 3.59%Noncurrent loans to loans
  • 4.09%Net loans and leases to deposits
  • 70.72%Net loans and leases to core deposits
  • 72.55%Equity capital to assets
  • 11.29%Core capital (leverage) ratio
  • 11.22%Tier 1 risk-based capital ratio
  • 17.71%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $353,418Average earning assets
  • $39,886Average equity
  • $316,994Average 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
  • $10,792Managed Assets
  • 1Number of Accounts
  • $2,847Personal trust and agency accounts
  • $2,847Employee 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
  • 39Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $7,945Other retirement accounts
  • $127Corporate trust and agency accounts
  • $4,164Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 11 Indiana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    010119Demotte State Bank210 South Halleck Street, Demotte, IN 46310Febuary 02, 1942Full Service Brick and Mortar
    1235702De Motte Plaza Branch325 North Halleck Street, De Motte, IN 46310November 02, 1981Limited Service Facility
    28282Morocco BranchMain And State Streets, Morocco, IN 47963January 01, 1931Full Service Brick and Mortar
    3235703Lowell Branch1615 East Commercial Avenue, Lowell, IN 46356November 29, 1991Full Service Brick and Mortar
    5235705Knox Branch1501 South Heaton, Knox, IN 46534July 01, 1995Full Service Brick and Mortar
    6235706Tysons Grocery Store Branch3921 West State Road 10, Wheatfield, IN 46392October 03, 1995Limited Service Facility
    7231289Hebron Branch507 South Main Street, Hebron, IN 46341April 24, 1976Full Service Brick and Mortar
    8357891Cedar Lake Banking Center9603 W. 133rd Avenue, Cedar Lake, IN 46303October 26, 1999Full Service Brick and Mortar
    9439722Roselawn Branch5650 State Road 10, Roselawn, IN 46372March 07, 2005Full Service Brick and Mortar
    10445714Kouts Branch175 North Main Street, Kouts, IN 46347November 02, 2005Full Service Retail
    11467333Rensselaer Branch211 West Drexel Parkway, Rensselaer, IN 47978August 01, 2007Full Service Brick and Mortar

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