Greenfield Banking Company in Greenfield, Indiana (IN)



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Greenfield Banking Company
GeneralFDIC Certificate #: 15632
Status: Active
Federal Reserve ID: 592644
Bank Holding Company (Regulatory Top Holder): Greenfield Bancshares, Inc. (RSSDID: 1205996, Location: Greenfield, IN)
Date Established: September 03, 1871
WWW: http://www.gbcbank.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 7 (Domestic: 7, Interstate: No)
FDIC's unique #: 9911
Numeric code: 21
Regulator: FDIC
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: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: All Other Specialization < 1 Billion
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
LocationAddress: 1920 North State Street, Greenfield, IN 46140
County: Hancock
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): Indianapolis, IN (#3480)
Combined Statistical Area (CSA): Indianapolis-Anderson-Columbus, IN (#294)
Core Based Statistical Area (CBSA): Indianapolis-Carmel, IN (#26900)
CBSA Metro Statistical Area: Indianapolis-Carmel, IN (#26900)
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $397.1 mil
Equity capital: $44.0 mil
Deposits held in domestic offices: $349.8 mil
Return on assets (ROA): 0.99% ($3.9 mil)
Quarterly return on assets: 1.26% ($5.0 mil)
Return on Equity (ROE): 9.19% ($4.0 mil)
Quarterly return on equity: 11.12% ($4.9 mil)
Net income: $3.7 mil
Quarterly Net income: $1.2 mil
Pretax return on assets: 1.08% ($4,288.5 mil)
Quarterly Pretax return on assets: 1.52% ($6,035.6 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)
Total employees (full-time equivalent)130
Total assets$397,081
Cash and due from depository institutions$62,674
Interest-bearing balances$56,540
Securities$131,398
Federal funds sold & reverse repurchase agreements$3,500
Net loans & leases$176,878
Loan loss allowance $2,692
Trading account assets$0
Bank premises and fixed assets$13,430
Other real estate owned$2,065
Goodwill and other intangibles$356
All other assets$6,780
Life insurance assets$397,081
Total liabilities and capital$353,051
Total liabilities$349,833
Total deposits$268,811
Interest-bearing deposits$349,833
Deposits held in domestic offices$75
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $3,218
All other liabilities $44,030
Total equity capital$44,030
Total bank equity capital$44,030
Perpetual preferred stock$0
Common stock$1,775
Surplus$16,225
Undivided profits $26,030
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $990
Income earned, not collected on loans $1,963
Earning assets $0
Long-term assets (5+ years) $2,292
Average Assets, year-to-date $368,316
Average Assets, quarterly $174,793
Volatile liabilities $379,066
Insider loans $384,317
FHLB advances $213,007
Loans and leases held for sale $400,787
Unused loan commitments $396
Tier 1 (core) risk-based capital $396
Tier 2 risk-based capital $41,349
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $51,855
Derivatives$1,026
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $13,754
Total interest expense $1,295
Net interest income $12,459
Provision for loan and lease losses $820
Total noninterest income $4,372
Fiduciary activities $783
Service charges on deposit accounts $2,615
Trading account gains & fees $0
Additional noninterest income $974
Total noninterest expense $12,191
Salaries and employee benefits $6,687
Premises and equipment expense $2,154
Additional noninterest expense $3,350
Pre-tax net operating income $3,820
Securities gains (losses) $256
Applicable income taxes $339
Income before extraordinary items $3,737
Extraordinary gains - net $0
Net income attributable to bank $3,737
Net charge-offs $0
Cash dividends $3,737
Sale, conversion, retirement of capital stock, net $845
Net operating income $1,520
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets3.95%
Cost of funding earning assets 0.37%
Net interest margin 3.58%
Noninterest income to earning assets 1.26%
Noninterest expense to earning assets 3.50%
Net operating income to assets 0.92%
Return on assets (ROA) 0.99%
Pretax return on assets 1.08%
Return on equity (ROE) 9.19%
Retained earnings to average equity (YTD only) 5.45%
Net charge-offs to loans 0.47%
Credit loss provision to net charge-offs 97.04%
Efficiency ratio5.49%
Assets per employee$72,432
Cash dividends to net income (YTD only)3.05%
Condition Ratios (%)
Loss allowance to loans 40.67%
Loss allowance to noncurrent loans 1.50%
Noncurrent assets plus other real estate owned to assets 137.14%
Noncurrent loans to loans 1.01%
Net loans and leases to deposits1.09%
Net loans and leases to core deposits 50.56%
Equity capital to assets 51.24%
Core capital (leverage) ratio 11.09%
Tier 1 risk-based capital ratio 10.32%
Total risk-based capital ratio 19.41%
Memoranda
Average assets$21
Average earning assets$379,066
Average equity $40,655
Average loans $348,122
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$224,411
Number of Accounts1
Personal trust and agency accounts$133,397
Employee benefit-defined contribution accounts$119,945
Employee benefit-defined benefit accounts$365
Other retirement accounts$5,340
Corporate trust and agency accounts$5,399
Investment management agency accounts$444
Other fiduciary accounts$1,903
Fiduciary accounts held in foreign offices$0
Non-managed Assets$1
Number of Accounts695
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$5,399
Employee benefit-defined benefit accounts$0
Other retirement accounts$91,014
Corporate trust and agency accounts$17,574
Other fiduciary accounts$1,165
Fiduciary accounts held in foreign offices$25,560
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7 Indiana Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
09911Greenfield Banking Company1920 North State Street, Greenfield, IN 46140September 03, 1871Full Service Brick and Mortar
1234690Fortville Branch111 West Broadway, Fortville, IN 46040December 15, 1965Full Service Brick and Mortar
3234692Cumberland Branch12140 East Washington Street, Cumberland, IN 46229Febuary 25, 1974Full Service Brick and Mortar
4234693Meridian Road Branch51 N. Meridian Road, Greenfield, IN 46140August 30, 1976Full Service Brick and Mortar
6234695East Main Street Branch10 East Main Street, Greenfield, IN 46140April 19, 1999Full Service Brick and Mortar
7478465New Palestine Branch5783 W Us 52, New Palestine, IN 46163Febuary 01, 2008Full Service Brick and Mortar
8481001Mccordsville Office Branch7363 N 600 W, Mc Cordsville, IN 46055Febuary 01, 2008Full Service Brick and Mortar
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