Lincolnland Bank in Dale, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 17, 1998

Lincolnland Bank in Dale, Indiana (IN)
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Lincolnland Bank - Overview

General
FDIC Certificate #: 33801
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Integra Bank National Association (#4392)
Federal Reserve ID: 2038557
Date Established: May 01, 1993
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 5 (Interstate: No)
OTS Docket #: 13485
FDIC's unique #: 48081
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: May 01, 1993
Last Structure Change Effective Date: October 17, 1998
Last Structure Change Process Date: November 19, 1998
Last Data Update: November 19, 1998
Data Source Date: April 05, 2012
Location
Address: 5 North Washington Street, Dale, IN 47523
County: Spencer
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
Financial Summary
Total assets: $129.1 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1997)

Dollar figures in thousands
44Total employees (full-time equivalent)
$128,235Total assets
$4,137Cash and due from depository institutions
$35Interest-bearing balances
$17,173Securities
$0Federal funds sold & reverse repurchase agreements
$103,786Net loans & leases
$1,332Loan loss allowance
$0Trading account assets
$1,250Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$1,889All other assets
$128,235Total liabilities and capital
$117,469Total liabilities
$91,842Total deposits
$81,593Interest-bearing deposits
$91,842Deposits held in domestic offices
0.00%% insured (estimated)
$1,981Federal funds purchased & repurchase agreements
$0Trading liabilities
$22,900Other borrowed funds
$0Subordinated debt
$746All other liabilities
$10,766Total equity capital
$10,766Total bank equity capital
$10,766Perpetual preferred stock
$0Common stock
$918Surplus
$4,800Undivided profits
Memoranda
$5,048Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$1,214Earning assets
$0Long-term assets (5+ years)
$1,081Average Assets, year-to-date
$120,994Average Assets, quarterly
$20,140Volatile liabilities
$120,944Insider loans
$125,289FHLB advances
$20,487Loans and leases held for sale
$111Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$13,387Total unused commitments
$0Restructured Loans and leases
$100,914Derivatives

Income and Expense (December 31, 1997)

Dollar figures in thousands
$10,220Total interest income
$4,131Total interest expense
$6,089Net interest income
$402Provision for loan and lease losses
$725Total noninterest income
$14Fiduciary activities
$461Service charges on deposit accounts
$0Trading account gains & fees
$250Additional noninterest income
$3,081Total noninterest expense
$1,611Salaries and employee benefits
$340Premises and equipment expense
$1,130Additional noninterest expense
$3,331Pre-tax net operating income
$20Securities gains (losses)
$1,167Applicable income taxes
$2,184Income before extraordinary items
$0Extraordinary gains - net
$2,184Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$321Sale, conversion, retirement of capital stock, net
$2,380Net operating income

Performance and Condition Ratios (December 31, 1997)

Dollar figures in thousands
Performance Ratios (%, annualized)
8.93%Yield on earning assets
3.61%Cost of funding earning assets
5.32%Net interest margin
0.63%Noninterest income to earning assets
2.69%Noninterest expense to earning assets
1.80%Net operating income to assets
1.81%Return on assets (ROA)
2.77%Pretax return on assets
20.34%Return on equity (ROE)
-1.83%Retained earnings to average equity (YTD only)
0.33%Net charge-offs to loans
125.23%Credit loss provision to net charge-offs
11.63%Efficiency ratio
45,216Assets per employee
2.91%Cash dividends to net income (YTD only)
Condition Ratios (%)
108.97%Loss allowance to loans
1.27%Loss allowance to noncurrent loans
109.72%Noncurrent assets plus other real estate owned to assets
0.95%Noncurrent loans to loans
1.15%Net loans and leases to deposits
113.00%Net loans and leases to core deposits
121.76%Equity capital to assets
8.40%Core capital (leverage) ratio
8.36%Tier 1 risk-based capital ratio
10.43%Total risk-based capital ratio
Memoranda
$12Average assets
$120,944Average earning assets
$10,736Average equity
$114,414Average loans

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