Indiana Lawrence Bank in city_name, state_name - Detailed Financial Reports, Location

Indiana Lawrence Bank in North Manchester, Indiana (IN)
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Indiana Lawrence Bank - Overview

General
FDIC Certificate #: 13118
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Community First Bank & Trust (#10660)
Federal Reserve ID: 978846
Date Established: March 15, 1882
WWW: http://www.indianalawrence.com
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 9 (Interstate: No)
OTS Docket #: 13078
FDIC's unique #: 8299
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: July 17, 2004
Last Structure Change Process Date: August 19, 2004
Last Data Update: August 19, 2004
Data Source Date: April 05, 2012
Location
Address: 106 North Market Street, North Manchester, IN 46962
County: Wabash
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): Wabash, IN (#47340)
CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $131.6 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, 2003)

Dollar figures in thousands
58Total employees (full-time equivalent)
$145,360Total assets
$15,741Cash and due from depository institutions
$0Interest-bearing balances
$17,332Securities
$7,400Federal funds sold & reverse repurchase agreements
$97,354Net loans & leases
$1,412Loan loss allowance
$0Trading account assets
$1,804Bank premises and fixed assets
$264Other real estate owned
$125Goodwill and other intangibles
$0Life insurance assets
$5,340All other assets
$145,360Total liabilities and capital
$133,186Total liabilities
$117,176Total deposits
$99,950Interest-bearing deposits
$117,176Deposits held in domestic offices
0.00%% insured (estimated)
$3,160Federal funds purchased & repurchase agreements
$0Trading liabilities
$11,674Other borrowed funds
$0Subordinated debt
$1,176All other liabilities
$12,174Total equity capital
$12,174Total bank equity capital
$12,174Perpetual preferred stock
$0Common stock
$100Surplus
$5,700Undivided profits
Memoranda
$6,374Noncurrent loans and leases
$12,785Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$528Earning assets
$0Long-term assets (5+ years)
$854Average Assets, year-to-date
$122,086Average Assets, quarterly
$42,148Volatile liabilities
$140,367Insider loans
$140,997FHLB advances
$8,133Loans and leases held for sale
$1,289Unused loan commitments
$11,500Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$12,785Total unused commitments
$0Restructured Loans and leases
$1,242Derivatives

Income and Expense (December 31, 2003)

Dollar figures in thousands
$7,793Total interest income
$2,317Total interest expense
$5,476Net interest income
$275Provision for loan and lease losses
$1,584Total noninterest income
$623Fiduciary activities
$558Service charges on deposit accounts
$0Trading account gains & fees
$403Additional noninterest income
$4,955Total noninterest expense
$2,481Salaries and employee benefits
$520Premises and equipment expense
$1,954Additional noninterest expense
$1,830Pre-tax net operating income
$16Securities gains (losses)
$695Applicable income taxes
$1,151Income before extraordinary items
$0Extraordinary gains - net
$1,151Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$310Sale, conversion, retirement of capital stock, net
$1,364Net operating income

Performance and Condition Ratios (December 31, 2003)

Dollar figures in thousands
Performance Ratios (%, annualized)
6.32%Yield on earning assets
1.88%Cost of funding earning assets
4.44%Net interest margin
1.28%Noninterest income to earning assets
4.02%Noninterest expense to earning assets
0.81%Net operating income to assets
0.82%Return on assets (ROA)
1.32%Pretax return on assets
9.31%Return on equity (ROE)
-1.72%Retained earnings to average equity (YTD only)
0.30%Net charge-offs to loans
88.71%Credit loss provision to net charge-offs
6.79%Efficiency ratio
69,759Assets per employee
2.51%Cash dividends to net income (YTD only)
Condition Ratios (%)
118.51%Loss allowance to loans
1.43%Loss allowance to noncurrent loans
267.42%Noncurrent assets plus other real estate owned to assets
0.54%Noncurrent loans to loans
0.53%Net loans and leases to deposits
83.08%Net loans and leases to core deposits
86.63%Equity capital to assets
8.38%Core capital (leverage) ratio
8.61%Tier 1 risk-based capital ratio
12.12%Total risk-based capital ratio
Memoranda
$13Average assets
$140,367Average earning assets
$12,366Average equity
$123,284Average loans

Total Fiduciary and Related Assets (December 31, 2003)

Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
YesFiduciary powers granted
YesFiduciary or related activity
$90,244Managed Assets
1Number of Accounts
$87,173Personal trust and agency accounts
$52,039Employee benefit-defined contribution accounts
$67Employee benefit-defined benefit accounts
$0Other retirement accounts
$5,005Corporate trust and agency accounts
$5,972Investment management agency accounts
$24,090Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
290Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$3,071Other retirement accounts
$18Corporate trust and agency accounts
$0Other fiduciary accounts
$3,038Fiduciary accounts held in foreign offices

Indiana Lawrence Bank in North Manchester, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches

Indiana Lawrence Bank - Overview

Assets and Liabilities (December 31, 2003)

Income and Expense (December 31, 2003)

Performance and Condition Ratios (December 31, 2003)

Total Fiduciary and Related Assets (December 31, 2003)

Comment about this bank, ask questions, or add new information about it:

Indiana Lawrence Bank in North Manchester, Indiana (IN)Overview, Financial Summary, Detailed Financial Reports, Branches

Indiana Lawrence Bank - Overview

Assets and Liabilities (December 31, 2003)

Income and Expense (December 31, 2003)

Performance and Condition Ratios (December 31, 2003)

Total Fiduciary and Related Assets (December 31, 2003)

Comment about this bank, ask questions, or add new information about it:

Indiana Lawrence Bank in North Manchester, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches