Elston Bank & Trust Company in Crawfordsville, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 30, 1993

Elston Bank & Trust Company in Crawfordsville, Indiana (IN)
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Elston Bank & Trust Company - Overview

General
FDIC Certificate #: 13087
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: National City Bank of Indiana (#4347)
Federal Reserve ID: 86246
Date Established: January 01, 1853
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 5 (Interstate: No)
FDIC's unique #: 8276
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: January 30, 1993
Last Structure Change Process Date: Febuary 08, 1993
Last Data Update: Febuary 08, 1993
Data Source Date: April 05, 2012
Location
Address: 101 West Main Street, Crawfordsville, IN 47933
County: Montgomery
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): Indianapolis-Anderson-Columbus, IN (#294)
Core Based Statistical Area (CBSA): Crawfordsville, IN (#18820)
CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $121.8 mil

Assets and Liabilities (December 31, 1992)

Dollar figures in thousands
0Total employees (full-time equivalent)
$58Total assets
$121,821Cash and due from depository institutions
$4,414Interest-bearing balances
$0Securities
$16,358Federal funds sold & reverse repurchase agreements
$17,250Net loans & leases
$77,248Loan loss allowance
$1,332Trading account assets
$0Bank premises and fixed assets
$3,792Other real estate owned
$51Goodwill and other intangibles
$2,708Life insurance assets
$0All other assets
$0Total liabilities and capital
$121,821Total liabilities
$110,088Total deposits
$107,432Interest-bearing deposits
$89,885Deposits held in domestic offices
107432.00%% insured (estimated)
$86Federal funds purchased & repurchase agreements
$1,627Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$1,029Total equity capital
$1,029Total bank equity capital
$11,733Perpetual preferred stock
$0Common stock
$1,600Surplus
$8,500Undivided profits
Memoranda
$1,633Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,459Income earned, not collected on loans
$792Earning assets
$110,856Long-term assets (5+ years)
$13,785Average Assets, year-to-date
$126,281Average Assets, quarterly
$120,624Volatile liabilities
$6,714Insider loans
$61FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$10,488Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$11,733Total risk weighted assets
$77,605Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1992)

Dollar figures in thousands
$0Total interest income
$9,843Total interest expense
$4,225Net interest income
$5,618Provision for loan and lease losses
$90Total noninterest income
$819Fiduciary activities
$4Service charges on deposit accounts
$389Trading account gains & fees
$0Additional noninterest income
$426Total noninterest expense
$3,812Salaries and employee benefits
$1,775Premises and equipment expense
$527Additional noninterest expense
$1,510Pre-tax net operating income
$2,535Securities gains (losses)
$40Applicable income taxes
$897Income before extraordinary items
$1,678Extraordinary gains - net
$0Net income attributable to bank
$1,678Net charge-offs
$15Cash dividends
$296Sale, 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
3.62%Net interest margin
4.82%Noninterest income to earning assets
0.70%Noninterest expense to earning assets
3.27%Net operating income to assets
1.31%Return on assets (ROA)
1.33%Pretax return on assets
2.04%Return on equity (ROE)
15.26%Retained earnings to average equity (YTD only)
12.57%Net charge-offs to loans
0.02%Credit loss provision to net charge-offs
600.00%Efficiency ratio
59,220Assets per employee
2.10%Cash dividends to net income (YTD only)
Condition Ratios (%)
17.64%Loss allowance to loans
1.70%Loss allowance to noncurrent loans
91.30%Noncurrent assets plus other real estate owned to assets
1.24%Noncurrent loans to loans
1.86%Net loans and leases to deposits
71.90%Net loans and leases to core deposits
75.48%Equity capital to assets
9.63%Core capital (leverage) ratio
9.30%Tier 1 risk-based capital ratio
15.12%Total risk-based capital ratio
Memoranda
$16Average assets
$126,281Average earning assets
$10,998Average equity
$116,640Average loans

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