Overview, Financial Summary, Detailed Financial Reports, Branches


  • General
  • FDIC Certificate #: 35476
    Status: Active
    Federal Reserve ID: 2911128
    Bank Holding Company (Regulatory Top Holder): Lafayette Community Bancorp (RSSDID: 2913382, Location: Lafayette, IN)
    Date Established: October 30, 2000
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 80560
    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: Commercial Lending Specialization
    Date of Deposit Insurance: October 30, 2000
    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: 2 North 4th Street, Lafayette, IN 47902
    County: Tippecanoe
    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): Lafayette, IN (#3920)
    Combined Statistical Area (CSA): Lafayette-Frankfort, IN (#320)
    Core Based Statistical Area (CBSA): Lafayette, IN (#29140)
    CBSA Metro Statistical Area: Lafayette, IN (#29140)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $135.5 mil
    Equity capital: $15.3 mil
    Deposits held in domestic offices: $119.7 mil
    Return on assets (ROA): 0.56% ($0.8 mil)
    Quarterly return on assets: 0.19% ($0.3 mil)
    Return on Equity (ROE): 4.96% ($0.7 mil)
    Quarterly return on equity: 1.65% ($0.2 mil)
    Net income: $0.7 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.86% ($1,165.5 mil)
    Quarterly Pretax return on assets: 0.28% ($379.5 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
  • 34Total employees (full-time equivalent)
  • $135,525Total assets
  • $11,000Cash and due from depository institutions
  • $0Interest-bearing balances
  • $32,544Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $86,281Net loans & leases
  • $1,968Loan loss allowance
  • $0Trading account assets
  • $2,114Bank premises and fixed assets
  • $78Other real estate owned
  • $0Goodwill and other intangibles
  • $135,525Life insurance assets
  • $3,508All other assets
  • $120,245Total liabilities and capital
  • $119,675Total liabilities
  • $106,783Total deposits
  • $119,675Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 225.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $345Subordinated debt
  • $15,280All other liabilities
  • $15,280Total equity capital
  • $15,280Total bank equity capital
  • $0Perpetual preferred stock
  • $7,112Common stock
  • $7,579Surplus
  • $589Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,949Income earned, not collected on loans
  • $0Earning assets
  • $678Long-term assets (5+ years)
  • $118,825Average Assets, year-to-date
  • $50,780Average Assets, quarterly
  • $133,864Volatile liabilities
  • $135,704Insider loans
  • $96,155FHLB advances
  • $135,217Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $13,276Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $10,426Restructured Loans and leases
  • $4,330Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,203Total interest income
  • $1,111Total interest expense
  • $5,092Net interest income
  • $840Provision for loan and lease losses
  • $933Total noninterest income
  • $0Fiduciary activities
  • $187Service charges on deposit accounts
  • $0Trading account gains & fees
  • $746Additional noninterest income
  • $4,147Total noninterest expense
  • $2,329Salaries and employee benefits
  • $465Premises and equipment expense
  • $1,353Additional noninterest expense
  • $1,038Pre-tax net operating income
  • $108Securities gains (losses)
  • $401Applicable income taxes
  • $745Income before extraordinary items
  • $0Extraordinary gains - net
  • $745Net income attributable to bank
  • $0Net charge-offs
  • $745Cash dividends
  • $1,145Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.20%Yield on earning assets
  • 0.93%Cost of funding earning assets
  • 4.27%Net interest margin
  • 0.78%Noninterest income to earning assets
  • 3.48%Noninterest expense to earning assets
  • 0.50%Net operating income to assets
  • 0.56%Return on assets (ROA)
  • 0.86%Pretax return on assets
  • 4.96%Return on equity (ROE)
  • 4.96%Retained earnings to average equity (YTD only)
  • 1.31%Net charge-offs to loans
  • 73.36%Credit loss provision to net charge-offs
  • 1.64%Efficiency ratio
  • 68,830Assets per employee
  • 3.99%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.23%Loss allowance to noncurrent loans
  • 100.97%Noncurrent assets plus other real estate owned to assets
  • 1.50%Noncurrent loans to loans
  • 2.21%Net loans and leases to deposits
  • 72.10%Net loans and leases to core deposits
  • 74.58%Equity capital to assets
  • 11.27%Core capital (leverage) ratio
  • 9.82%Tier 1 risk-based capital ratio
  • 13.81%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $133,864Average earning assets
  • $15,030Average equity
  • $119,242Average loans

List of branches

  • 4 Indiana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    080560Lafayette Community Bank2 North 4th Street, Lafayette, IN 47902October 30, 2000Full Service Brick and Mortar
    1360654Greenbush Branch2136 Greenbush, Lafayette, IN 47905December 19, 2000Full Service Brick and Mortar
    2422912West Lafayette Branch1215 Potter Drive, Suite 1, West Lafayette, IN 47906July 21, 2003Full Service Brick and Mortar
    3452335350 South Branch3602 Cougill Lane, Lafayette, IN 47909Febuary 27, 2006Full Service Brick and Mortar

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