DeMotte State Bank in Demotte, Indiana (IN)

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DeMotte State Bank
GeneralFDIC 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
LocationAddress: 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 ChangesCorrections
Merge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)133
Total assets$359,427
Cash and due from depository institutions$13,393
Interest-bearing balances$1,727
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$196,565
Loan loss allowance $2,963
Trading account assets$0
Bank premises and fixed assets$6,053
Other real estate owned$4,752
Goodwill and other intangibles$0
All other assets$17,529
Life insurance assets$359,427
Total liabilities and capital$318,841
Total liabilities$277,943
Total deposits$223,064
Interest-bearing deposits$277,943
Deposits held in domestic offices$91
% insured (estimated)6697.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$33,273
Other borrowed funds $0
Subordinated debt $928
All other liabilities $40,586
Total equity capital$40,586
Total bank equity capital$40,586
Perpetual preferred stock$0
Common stock$100
Undivided profits $27,586
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $8,160
Earning assets $0
Long-term assets (5+ years) $2,859
Average Assets, year-to-date $319,427
Average Assets, quarterly $137,670
Volatile liabilities $353,418
Insider loans $356,970
FHLB advances $226,918
Loans and leases held for sale $358,086
Unused loan commitments $9,789
Tier 1 (core) risk-based capital $3,000
Tier 2 risk-based capital $40,194
Total risk weighted assets $0
Total unused commitments $6,789
Restructured Loans and leases $34,218
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $17,066
Total interest expense $4,629
Net interest income $12,437
Provision for loan and lease losses $476
Total noninterest income $1,997
Fiduciary activities $26
Service charges on deposit accounts $1,017
Trading account gains & fees $0
Additional noninterest income $954
Total noninterest expense $9,995
Salaries and employee benefits $5,842
Premises and equipment expense $1,392
Additional noninterest expense $2,761
Pre-tax net operating income $3,963
Securities gains (losses) $416
Applicable income taxes $1,477
Income before extraordinary items $2,902
Extraordinary gains - net $0
Net income attributable to bank $2,902
Net charge-offs $0
Cash dividends $2,902
Sale, conversion, retirement of capital stock, net $606
Net operating income $1,034
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.38%
Cost of funding earning assets 1.46%
Net interest margin 3.92%
Noninterest income to earning assets 0.63%
Noninterest expense to earning assets 3.15%
Net operating income to assets 0.74%
Return on assets (ROA) 0.82%
Pretax return on assets 1.24%
Return on equity (ROE) 7.28%
Retained earnings to average equity (YTD only) 4.68%
Net charge-offs to loans 0.29%
Credit loss provision to net charge-offs 78.55%
Efficiency ratio7.33%
Assets per employee$69,246
Cash dividends to net income (YTD only)2.70%
Condition Ratios (%)
Loss allowance to loans 35.63%
Loss allowance to noncurrent loans 1.49%
Noncurrent assets plus other real estate owned to assets 36.31%
Noncurrent loans to loans 3.59%
Net loans and leases to deposits4.09%
Net loans and leases to core deposits 70.72%
Equity capital to assets 72.55%
Core capital (leverage) ratio 11.29%
Tier 1 risk-based capital ratio 11.22%
Total risk-based capital ratio 17.71%
Average assets$19
Average earning assets$353,418
Average equity $39,886
Average loans $316,994
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$10,792
Number of Accounts1
Personal trust and agency accounts$2,847
Employee benefit-defined contribution accounts$2,847
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Investment management agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts39
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$7,945
Corporate trust and agency accounts$127
Other fiduciary accounts$4,164
Fiduciary accounts held in foreign offices$0
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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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