FSB Bank in Francisco, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of June 01, 1998

  • FSB Bank in Francisco, Indiana (IN)
  • Show street view No street view available for this location

FSB Bank - Overview

  • General
  • FDIC Certificate #: 14199
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Community Trust Bank (#4420)
    Federal Reserve ID: 214245
    Date Established: June 21, 1908
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Interstate: No)
    OTS Docket #: 14235
    FDIC's unique #: 8865
    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: June 01, 1998
    Last Structure Change Process Date: June 26, 1998
    Last Data Update: June 26, 1998
    Data Source Date: April 05, 2012
  • Location
  • Address: Main Street, Francisco, IN 47649
    County: Gibson
    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): Evansville, IN-KY (#21780)
    CBSA Metro Statistical Area: Evansville, IN-KY (#21780)
  • Financial Summary
  • Total assets: $15.7 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1997)

  • Dollar figures in thousands
  • 11Total employees (full-time equivalent)
  • $15,746Total assets
  • $743Cash and due from depository institutions
  • $48Interest-bearing balances
  • $2,160Securities
  • $2,215Federal funds sold & reverse repurchase agreements
  • $9,981Net loans & leases
  • $80Loan loss allowance
  • $0Trading account assets
  • $354Bank premises and fixed assets
  • $45Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $248All other assets
  • $15,746Total liabilities and capital
  • $14,300Total liabilities
  • $14,196Total deposits
  • $12,459Interest-bearing deposits
  • $14,196Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $104All other liabilities
  • $1,446Total equity capital
  • $1,446Total bank equity capital
  • $1,446Perpetual preferred stock
  • $0Common stock
  • $1Surplus
  • $819Undivided profits
  • Memoranda
  • $626Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $82Earning assets
  • $0Long-term assets (5+ years)
  • $142Average Assets, year-to-date
  • $14,404Average Assets, quarterly
  • $2,477Volatile liabilities
  • $15,405Insider loans
  • $15,709FHLB advances
  • $2,187Loans and leases held for sale
  • $320Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $506Total unused commitments
  • $0Restructured Loans and leases
  • $9,930Derivatives

Income and Expense (December 31, 1997)

  • Dollar figures in thousands
  • $1,156Total interest income
  • $561Total interest expense
  • $595Net interest income
  • $30Provision for loan and lease losses
  • $84Total noninterest income
  • $0Fiduciary activities
  • $70Service charges on deposit accounts
  • $0Trading account gains & fees
  • $14Additional noninterest income
  • $662Total noninterest expense
  • $361Salaries and employee benefits
  • $90Premises and equipment expense
  • $211Additional noninterest expense
  • -$13Pre-tax net operating income
  • $0Securities gains (losses)
  • -$10Applicable income taxes
  • -$3Income before extraordinary items
  • $0Extraordinary gains - net
  • -$3Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $52Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1997)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.13%Yield on earning assets
  • 3.95%Cost of funding earning assets
  • 4.19%Net interest margin
  • 0.59%Noninterest income to earning assets
  • 4.66%Noninterest expense to earning assets
  • -0.02%Net operating income to assets
  • -0.02%Return on assets (ROA)
  • -0.08%Pretax return on assets
  • -0.21%Return on equity (ROE)
  • -0.21%Retained earnings to average equity (YTD only)
  • 0.49%Net charge-offs to loans
  • 57.69%Credit loss provision to net charge-offs
  • 0.33%Efficiency ratio
  • 97,496Assets per employee
  • 1.43%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.80%Loss allowance to noncurrent loans
  • 97.56%Noncurrent assets plus other real estate owned to assets
  • 0.81%Noncurrent loans to loans
  • 0.82%Net loans and leases to deposits
  • 70.31%Net loans and leases to core deposits
  • 83.11%Equity capital to assets
  • 9.18%Core capital (leverage) ratio
  • 9.18%Tier 1 risk-based capital ratio
  • 14.56%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $15,405Average earning assets
  • $1,445Average equity
  • $14,216Average loans

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