Greenfield Banking Company in Greenfield, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches

Greenfield Banking Company - Overview

  • General
  • FDIC 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
    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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 130Total employees (full-time equivalent)
  • $397,081Total assets
  • $62,674Cash and due from depository institutions
  • $56,540Interest-bearing balances
  • $131,398Securities
  • $3,500Federal funds sold & reverse repurchase agreements
  • $176,878Net loans & leases
  • $2,692Loan loss allowance
  • $0Trading account assets
  • $13,430Bank premises and fixed assets
  • $2,065Other real estate owned
  • $356Goodwill and other intangibles
  • $397,081Life insurance assets
  • $6,780All other assets
  • $353,051Total liabilities and capital
  • $349,833Total liabilities
  • $268,811Total deposits
  • $349,833Interest-bearing deposits
  • $75Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $3,218Subordinated debt
  • $44,030All other liabilities
  • $44,030Total equity capital
  • $44,030Total bank equity capital
  • $0Perpetual preferred stock
  • $1,775Common stock
  • $16,225Surplus
  • $26,030Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $990Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,963Income earned, not collected on loans
  • $0Earning assets
  • $2,292Long-term assets (5+ years)
  • $368,316Average Assets, year-to-date
  • $174,793Average Assets, quarterly
  • $379,066Volatile liabilities
  • $384,317Insider loans
  • $213,007FHLB advances
  • $400,787Loans and leases held for sale
  • $396Unused loan commitments
  • $396Tier 1 (core) risk-based capital
  • $41,349Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $51,855Restructured Loans and leases
  • $1,026Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $13,754Total interest income
  • $1,295Total interest expense
  • $12,459Net interest income
  • $820Provision for loan and lease losses
  • $4,372Total noninterest income
  • $783Fiduciary activities
  • $2,615Service charges on deposit accounts
  • $0Trading account gains & fees
  • $974Additional noninterest income
  • $12,191Total noninterest expense
  • $6,687Salaries and employee benefits
  • $2,154Premises and equipment expense
  • $3,350Additional noninterest expense
  • $3,820Pre-tax net operating income
  • $256Securities gains (losses)
  • $339Applicable income taxes
  • $3,737Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,737Net income attributable to bank
  • $0Net charge-offs
  • $3,737Cash dividends
  • $845Sale, conversion, retirement of capital stock, net
  • $1,520Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.95%Yield on earning assets
  • 0.37%Cost of funding earning assets
  • 3.58%Net interest margin
  • 1.26%Noninterest income to earning assets
  • 3.50%Noninterest expense to earning assets
  • 0.92%Net operating income to assets
  • 0.99%Return on assets (ROA)
  • 1.08%Pretax return on assets
  • 9.19%Return on equity (ROE)
  • 5.45%Retained earnings to average equity (YTD only)
  • 0.47%Net charge-offs to loans
  • 97.04%Credit loss provision to net charge-offs
  • 5.49%Efficiency ratio
  • 72,432Assets per employee
  • 3.05%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 40.67%Loss allowance to loans
  • 1.50%Loss allowance to noncurrent loans
  • 137.14%Noncurrent assets plus other real estate owned to assets
  • 1.01%Noncurrent loans to loans
  • 1.09%Net loans and leases to deposits
  • 50.56%Net loans and leases to core deposits
  • 51.24%Equity capital to assets
  • 11.09%Core capital (leverage) ratio
  • 10.32%Tier 1 risk-based capital ratio
  • 19.41%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $379,066Average earning assets
  • $40,655Average equity
  • $348,122Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $224,411Managed Assets
  • 1Number of Accounts
  • $133,397Personal trust and agency accounts
  • $119,945Employee benefit-defined contribution accounts
  • $365Employee benefit-defined benefit accounts
  • $5,340Other retirement accounts
  • $5,399Corporate trust and agency accounts
  • $444Investment management agency accounts
  • $1,903Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $1Non-managed Assets
  • 695Number of Accounts
  • $0Personal trust and agency accounts
  • $5,399Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $91,014Other retirement accounts
  • $17,574Corporate trust and agency accounts
  • $1,165Other fiduciary accounts
  • $25,560Fiduciary accounts held in foreign offices

List of branches

  • 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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