First Bank and Trust Company of Clay County, Indiana in Brazil, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of Febuary 07, 1994

First Bank and Trust Company of Clay County, Indiana in Brazil, Indiana (IN)
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First Bank and Trust Company of Clay County, Indiana - Overview

General
FDIC Certificate #: 1846
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: First Bank and Trust (#15520)
Federal Reserve ID: 569646
Date Established: January 01, 1899
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 4 (Interstate: No)
OTS Docket #: 9933
FDIC's unique #: 1229
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: Febuary 07, 1994
Last Structure Change Process Date: Febuary 24, 1994
Last Data Update: Febuary 24, 1994
Data Source Date: April 05, 2012
Location
Address: 101 West National Avenue, Brazil, IN 47834
County: Clay
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
Metropolitan Statistical Area (MSA): Terre Haute, IN (#8320)
Core Based Statistical Area (CBSA): Terre Haute, IN (#45460)
CBSA Metro Statistical Area: Terre Haute, IN (#45460)
Financial Summary
Total assets: $81.4 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

Dollar figures in thousands
0Total employees (full-time equivalent)
$56Total assets
$81,378Cash and due from depository institutions
$3,087Interest-bearing balances
$690Securities
$24,042Federal funds sold & reverse repurchase agreements
$1,500Net loans & leases
$49,822Loan loss allowance
$469Trading account assets
$0Bank premises and fixed assets
$1,806Other real estate owned
$16Goodwill and other intangibles
$1,098Life insurance assets
$7All other assets
$0Total liabilities and capital
$81,378Total liabilities
$74,122Total deposits
$72,971Interest-bearing deposits
$64,482Deposits held in domestic offices
72971.00%% insured (estimated)
$94Federal funds purchased & repurchase agreements
$22Trading liabilities
$0Other borrowed funds
$699Subordinated debt
$0All other liabilities
$430Total equity capital
$430Total bank equity capital
$7,256Perpetual preferred stock
$0Common stock
$200Surplus
$4,300Undivided profits
Memoranda
$2,756Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$140Income earned, not collected on loans
$513Earning assets
$76,054Long-term assets (5+ years)
$11,523Average Assets, year-to-date
$83,548Average Assets, quarterly
$83,184Volatile liabilities
$2,240Insider loans
$1,278FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$4,551Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$7,249Total risk weighted assets
$48,026Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1993)

Dollar figures in thousands
$0Total interest income
$5,782Total interest expense
$2,651Net interest income
$3,131Provision for loan and lease losses
$50Total noninterest income
$857Fiduciary activities
$0Service charges on deposit accounts
$157Trading account gains & fees
$0Additional noninterest income
$700Total noninterest expense
$2,839Salaries and employee benefits
$1,432Premises and equipment expense
$398Additional noninterest expense
$1,009Pre-tax net operating income
$1,099Securities gains (losses)
$2Applicable income taxes
$343Income before extraordinary items
$758Extraordinary gains - net
$75Net income attributable to bank
$833Net charge-offs
$56Cash dividends
$704Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1993)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
7.42%Cost of funding earning assets
3.40%Net interest margin
4.02%Noninterest income to earning assets
1.10%Noninterest expense to earning assets
3.64%Net operating income to assets
0.91%Return on assets (ROA)
1.00%Pretax return on assets
1.41%Return on equity (ROE)
11.53%Retained earnings to average equity (YTD only)
1.79%Net charge-offs to loans
0.10%Credit loss provision to net charge-offs
89.29%Efficiency ratio
71,063Assets per employee
1.45%Cash dividends to net income (YTD only)
Condition Ratios (%)
84.51%Loss allowance to loans
0.93%Loss allowance to noncurrent loans
335.00%Noncurrent assets plus other real estate owned to assets
0.19%Noncurrent loans to loans
0.28%Net loans and leases to deposits
68.28%Net loans and leases to core deposits
69.73%Equity capital to assets
8.92%Core capital (leverage) ratio
8.53%Tier 1 risk-based capital ratio
15.09%Total risk-based capital ratio
Memoranda
$16Average assets
$83,548Average earning assets
$7,227Average equity
$77,919Average loans

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