FCN Bank, National Association in Brookville, Indiana (IN), OH
Overview, Financial Summary, Detailed Financial Reports, Branches

FCN Bank, National Association - Overview

  • General
  • FDIC Certificate #: 4319
    Status: Active
    Federal Reserve ID: 321947
    Bank Holding Company (Regulatory Top Holder): Fcn Banc Corp. (RSSDID: 1134069, Location: Brookville, IN)
    Date Established: January 01, 1900
    WWW: http://www.fcnbank.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 5 (Domestic: 5, Interstate: Yes)
    OTS Docket #: 11268
    FDIC's unique #: 2835
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    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: 501 Main Street, Brookville, IN 47012
    County: Franklin
    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): Cincinnati-Middletown-Wilmington, OH-KY-IN (#178)
    Core Based Statistical Area (CBSA): Cincinnati-Middletown, OH-KY-IN (#17140)
    CBSA Metro Statistical Area: Cincinnati-Middletown, OH-KY-IN (#17140)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $375.4 mil
    Equity capital: $37.9 mil
    Deposits held in domestic offices: $324.8 mil
    Return on assets (ROA): 0.77% ($2.9 mil)
    Quarterly return on assets: 0.75% ($2.8 mil)
    Return on Equity (ROE): 7.56% ($2.9 mil)
    Quarterly return on equity: 7.31% ($2.8 mil)
    Net income: $2.8 mil
    Quarterly Net income: $0.7 mil
    Pretax return on assets: 1.06% ($3,979.6 mil)
    Quarterly Pretax return on assets: 1.00% ($3,754.4 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
  • 79Total employees (full-time equivalent)
  • $375,437Total assets
  • $12,138Cash and due from depository institutions
  • $8,043Interest-bearing balances
  • $156,189Securities
  • $995Federal funds sold & reverse repurchase agreements
  • $191,344Net loans & leases
  • $3,839Loan loss allowance
  • $0Trading account assets
  • $3,896Bank premises and fixed assets
  • $150Other real estate owned
  • $2,782Goodwill and other intangibles
  • $375,436Life insurance assets
  • $7,943All other assets
  • $337,514Total liabilities and capital
  • $324,835Total liabilities
  • $287,054Total deposits
  • $324,835Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 4570.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $6,000Trading liabilities
  • $0Other borrowed funds
  • $2,109Subordinated debt
  • $37,922All other liabilities
  • $37,922Total equity capital
  • $37,922Total bank equity capital
  • $0Perpetual preferred stock
  • $616Common stock
  • $648Surplus
  • $36,658Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $1,128Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $5,858Income earned, not collected on loans
  • $1,275Earning assets
  • $1,687Long-term assets (5+ years)
  • $356,571Average Assets, year-to-date
  • $159,646Average Assets, quarterly
  • $360,583Volatile liabilities
  • $370,918Insider loans
  • $194,714FHLB advances
  • $373,979Loans and leases held for sale
  • $3,603Unused loan commitments
  • $3,603Tier 1 (core) risk-based capital
  • $32,957Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $25,861Restructured Loans and leases
  • $2,050Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $14,687Total interest income
  • $4,107Total interest expense
  • $10,580Net interest income
  • $1,210Provision for loan and lease losses
  • $1,600Total noninterest income
  • $20Fiduciary activities
  • $574Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,006Additional noninterest income
  • $7,146Total noninterest expense
  • $4,256Salaries and employee benefits
  • $830Premises and equipment expense
  • $2,060Additional noninterest expense
  • $3,824Pre-tax net operating income
  • $0Securities gains (losses)
  • $1,046Applicable income taxes
  • $2,778Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,778Net income attributable to bank
  • $0Net charge-offs
  • $2,778Cash dividends
  • $822Sale, conversion, retirement of capital stock, net
  • $1,566Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.27%Yield on earning assets
  • 1.19%Cost of funding earning assets
  • 3.07%Net interest margin
  • 0.46%Noninterest income to earning assets
  • 2.08%Noninterest expense to earning assets
  • 0.77%Net operating income to assets
  • 0.77%Return on assets (ROA)
  • 1.06%Pretax return on assets
  • 7.56%Return on equity (ROE)
  • 3.30%Retained earnings to average equity (YTD only)
  • 0.43%Net charge-offs to loans
  • 147.20%Credit loss provision to net charge-offs
  • 6.12%Efficiency ratio
  • 58,670Assets per employee
  • 4.75%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 56.37%Loss allowance to loans
  • 1.97%Loss allowance to noncurrent loans
  • 65.53%Noncurrent assets plus other real estate owned to assets
  • 1.60%Noncurrent loans to loans
  • 3.00%Net loans and leases to deposits
  • 58.90%Net loans and leases to core deposits
  • 60.27%Equity capital to assets
  • 10.10%Core capital (leverage) ratio
  • 8.81%Tier 1 risk-based capital ratio
  • 16.93%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $360,583Average earning assets
  • $36,733Average equity
  • $344,161Average 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
  • $3,903Managed Assets
  • 1Number of Accounts
  • $2,074Personal trust and agency accounts
  • $1,505Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $569Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 89Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $1,829Other retirement accounts
  • $1,816Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 4 Indiana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02835Fcn Bank, National Association501 Main Street, Brookville, IN 47012January 01, 1900Full Service Brick and Mortar
    1235100Everton Branch5444 South State Road 1, Connersville, IN 47331December 17, 1966Full Service Brick and Mortar
    2203034Batesville Branch1060 State Road 229 North, Batesville, IN 47006June 09, 1998Full Service Brick and Mortar
    4362873Sunman Branch226 North Meridian Street, Sunman, IN 47041November 05, 2001Full Service Brick and Mortar
  • 1 Ohio Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    5478463Harrison Branch590 Ring Road, Harrison, OH 45030October 15, 2007Full Service Brick and Mortar

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