Fifth Third Bank, Indiana in Saint Joseph, Michigan (MI)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of May 30, 2001

  • Fifth Third Bank, Indiana in Saint Joseph, Michigan (MI)
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Fifth Third Bank, Indiana - Overview

  • General
  • FDIC Certificate #: 8164
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Fifth Third Bank, Indiana (#34434)
    Federal Reserve ID: 636043
    Date Established: January 09, 1932
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 211 (Interstate: No)
    OTS Docket #: 9886
    FDIC's unique #: 5201
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Oakar Institutions: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: May 30, 2001
    Last Structure Change Process Date: June 14, 2001
    Last Data Update: June 14, 2001
    Data Source Date: April 05, 2012
  • Location
  • Address: 830 Pleasant Street, Saint Joseph, MI 49085
    County: Berrien
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Grand Rapids
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Benton Harbor, MI (#870)
    Core Based Statistical Area (CBSA): Niles-Benton Harbor, MI (#35660)
    CBSA Metro Statistical Area: Niles-Benton Harbor, MI (#35660)
  • Financial Summary
  • Total assets: $10,472.7 mil

1992 - 1999 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, 2000)

  • Dollar figures in thousands
  • 2,277Total employees (full-time equivalent)
  • $10,397,919Total assets
  • $352,839Cash and due from depository institutions
  • $11,735Interest-bearing balances
  • $3,438,746Securities
  • $1,035,022Federal funds sold & reverse repurchase agreements
  • $5,051,927Net loans & leases
  • $75,315Loan loss allowance
  • $0Trading account assets
  • $127,081Bank premises and fixed assets
  • $2,010Other real estate owned
  • $137,679Goodwill and other intangibles
  • $0Life insurance assets
  • $252,615All other assets
  • $10,397,919Total liabilities and capital
  • $9,483,278Total liabilities
  • $6,759,556Total deposits
  • $6,183,693Interest-bearing deposits
  • $6,759,556Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $729,459Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $1,825,350Other borrowed funds
  • $0Subordinated debt
  • $168,913All other liabilities
  • $914,641Total equity capital
  • $914,641Total bank equity capital
  • $914,641Perpetual preferred stock
  • $0Common stock
  • $23,531Surplus
  • $561,274Undivided profits
  • Memoranda
  • $329,836Noncurrent loans and leases
  • $1,638,048Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $62,756Earning assets
  • $2,173Long-term assets (5+ years)
  • $43,074Average Assets, year-to-date
  • $9,537,430Average Assets, quarterly
  • $4,141,068Volatile liabilities
  • $9,615,916Insider loans
  • $9,841,082FHLB advances
  • $1,345,389Loans and leases held for sale
  • $48,277Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $10,000Tier 2 risk-based capital
  • $27,184Total risk weighted assets
  • $1,638,048Total unused commitments
  • $0Restructured Loans and leases
  • $75,315Derivatives

Income and Expense (December 31, 2000)

  • Dollar figures in thousands
  • $710,685Total interest income
  • $384,361Total interest expense
  • $326,324Net interest income
  • $20,335Provision for loan and lease losses
  • $110,449Total noninterest income
  • $14,157Fiduciary activities
  • $50,066Service charges on deposit accounts
  • $0Trading account gains & fees
  • $46,226Additional noninterest income
  • $220,119Total noninterest expense
  • $101,735Salaries and employee benefits
  • $28,827Premises and equipment expense
  • $89,557Additional noninterest expense
  • $196,319Pre-tax net operating income
  • $22Securities gains (losses)
  • $66,723Applicable income taxes
  • $129,618Income before extraordinary items
  • $0Extraordinary gains - net
  • $129,618Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $16,984Sale, conversion, retirement of capital stock, net
  • $69,675Net operating income

Performance and Condition Ratios (December 31, 2000)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.04%Yield on earning assets
  • 4.35%Cost of funding earning assets
  • 3.69%Net interest margin
  • 1.25%Noninterest income to earning assets
  • 2.49%Noninterest expense to earning assets
  • 1.35%Net operating income to assets
  • 1.35%Return on assets (ROA)
  • 2.04%Pretax return on assets
  • 18.27%Return on equity (ROE)
  • 8.45%Retained earnings to average equity (YTD only)
  • 0.34%Net charge-offs to loans
  • 119.73%Credit loss provision to net charge-offs
  • 12.76%Efficiency ratio
  • 49,422Assets per employee
  • 4.57%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 53.75%Loss allowance to loans
  • 1.47%Loss allowance to noncurrent loans
  • 120.01%Noncurrent assets plus other real estate owned to assets
  • 0.62%Noncurrent loans to loans
  • 1.22%Net loans and leases to deposits
  • 74.74%Net loans and leases to core deposits
  • 81.44%Equity capital to assets
  • 8.80%Core capital (leverage) ratio
  • 8.41%Tier 1 risk-based capital ratio
  • 11.57%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $9,615,916Average earning assets
  • $709,403Average equity
  • $8,843,462Average loans

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