FDIC Certificate #: 29667 Status: Inactive Federal Reserve ID: 341673 Date Established: January 01, 1915 Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) OTS Docket #: 3855 FDIC's unique #: 42501 Numeric code: 33 Regulator: OTS Insurance Fund Membership: Savings Association Insurance Fund (SAIF) FDIC Insured: Yes SAIF Insured: Yes Insured Savings Institution: Yes State Chartered: No Date of Deposit Insurance: May 09, 1936 Last Structure Change Effective Date: September 16, 2005 Last Structure Change Process Date: September 22, 2005 Last Data Update: September 22, 2005 Data Source Date: April 05, 2012
Location
Address: 116 West Fourth Street, Marion, IN 46952 County: Grant 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): Marion, IN (#31980) CBSA Micro Statistical Area: Yes
History of Changes
Other Liquidations and Closings
Change in Insurance Status
Office Sold
Financial Summary
Total assets: $107.7 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2004)
Dollar figures in thousands
31Total employees (full-time equivalent)
$109,792Total assets
$3,341Cash and due from depository institutions
$425Interest-bearing balances
$12,838Securities
$3,050Federal funds sold & reverse repurchase agreements
$85,657Net loans & leases
$1,642Loan loss allowance
$0Trading account assets
$682Bank premises and fixed assets
$249Other real estate owned
$19Goodwill and other intangibles
$843Life insurance assets
$3,956All other assets
$109,792Total liabilities and capital
$100,148Total liabilities
$79,045Total deposits
$73,509Interest-bearing deposits
$79,045Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$20,500Other borrowed funds
$0Subordinated debt
$603All other liabilities
$9,644Total equity capital
$9,644Total bank equity capital
$9,644Perpetual preferred stock
$0Common stock
$6Surplus
$4,861Undivided profits
Memoranda
$4,777Noncurrent loans and leases
$8,102Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$2,898Earning assets
$0Long-term assets (5+ years)
$477Average Assets, year-to-date
$101,970Average Assets, quarterly
$0Volatile liabilities
$117,439Insider loans
$116,802FHLB advances
$47,197Loans and leases held for sale
$2,622Unused loan commitments
$20,500Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$8,102Total unused commitments
$0Restructured Loans and leases
$864Derivatives
Income and Expense (December 31, 2004)
Dollar figures in thousands
$6,396Total interest income
$3,009Total interest expense
$3,387Net interest income
$1,306Provision for loan and lease losses
$537Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$537Additional noninterest income
$2,641Total noninterest expense
$1,313Salaries and employee benefits
$735Premises and equipment expense
$593Additional noninterest expense
-$23Pre-tax net operating income
$1Securities gains (losses)
-$39Applicable income taxes
$17Income before extraordinary items
$0Extraordinary gains - net
$17Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$787Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2004)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.84%Yield on earning assets
2.75%Cost of funding earning assets
3.09%Net interest margin
0.49%Noninterest income to earning assets
2.41%Noninterest expense to earning assets
0.01%Net operating income to assets
0.01%Return on assets (ROA)
-0.02%Pretax return on assets
0.17%Return on equity (ROE)
0.17%Retained earnings to average equity (YTD only)
0.89%Net charge-offs to loans
165.95%Credit loss provision to net charge-offs
1.63%Efficiency ratio
67,304Assets per employee
3.54%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.88%Loss allowance to noncurrent loans
56.66%Noncurrent assets plus other real estate owned to assets
2.87%Noncurrent loans to loans
3.32%Net loans and leases to deposits
108.36%Net loans and leases to core deposits
163.63%Equity capital to assets
8.78%Core capital (leverage) ratio
8.83%Tier 1 risk-based capital ratio
14.18%Total risk-based capital ratio
Memoranda
$15Average assets
$117,439Average earning assets
$9,816Average equity
$109,528Average loans
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