FDIC Certificate #: 28200 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:First State Bank, Southwest Indiana (#33949) Federal Reserve ID: 684875 Date Established: January 01, 1914 WWW:http://www.pcbtellcity.com Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) OTS Docket #: 1121 FDIC's unique #: 41034 Numeric code: 33 Regulator: OTS Insurance Fund Membership: Savings Association Insurance Fund (SAIF) FDIC Insured: Yes SAIF Insured: Yes Insured Savings Institution: Yes State Chartered: No Date of Deposit Insurance: April 20, 1936 Last Structure Change Effective Date: October 03, 2005 Last Structure Change Process Date: October 03, 2005 Last Data Update: October 03, 2005 Data Source Date: April 05, 2012
Location
Address: 819 Main Street, Tell City, IN 47586 County: Perry 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: $34.5 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2004)
Dollar figures in thousands
16Total employees (full-time equivalent)
$34,817Total assets
$3,277Cash and due from depository institutions
$2,859Interest-bearing balances
$0Securities
$0Federal funds sold & reverse repurchase agreements
$29,897Net loans & leases
$120Loan loss allowance
$0Trading account assets
$1,039Bank premises and fixed assets
$54Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$550All other assets
$34,817Total liabilities and capital
$30,150Total liabilities
$28,083Total deposits
$26,633Interest-bearing deposits
$28,083Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$2,000Other borrowed funds
$0Subordinated debt
$67All other liabilities
$4,667Total equity capital
$4,667Total bank equity capital
$4,667Perpetual preferred stock
$0Common stock
$1Surplus
$1,829Undivided profits
Memoranda
$2,837Noncurrent loans and leases
$890Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$976Earning assets
$0Long-term assets (5+ years)
$149Average Assets, year-to-date
$32,756Average Assets, quarterly
$0Volatile liabilities
$34,375Insider loans
$34,737FHLB advances
$9,241Loans and leases held for sale
$319Unused loan commitments
$2,000Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$890Total unused commitments
$391Restructured Loans and leases
$120Derivatives
Income and Expense (December 31, 2004)
Dollar figures in thousands
$2,020Total interest income
$730Total interest expense
$1,290Net interest income
$89Provision for loan and lease losses
$162Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$162Additional noninterest income
$1,211Total noninterest expense
$710Salaries and employee benefits
$329Premises and equipment expense
$172Additional noninterest expense
$152Pre-tax net operating income
$0Securities gains (losses)
$55Applicable income taxes
$97Income before extraordinary items
$0Extraordinary gains - net
$97Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$172Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2004)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.28%Yield on earning assets
2.27%Cost of funding earning assets
4.01%Net interest margin
0.50%Noninterest income to earning assets
3.76%Noninterest expense to earning assets
0.28%Net operating income to assets
0.28%Return on assets (ROA)
0.44%Pretax return on assets
2.10%Return on equity (ROE)
2.10%Retained earnings to average equity (YTD only)
0.58%Net charge-offs to loans
51.74%Credit loss provision to net charge-offs
1.40%Efficiency ratio
83,402Assets per employee
2.18%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.40%Loss allowance to noncurrent loans
12.30%Noncurrent assets plus other real estate owned to assets
2.96%Noncurrent loans to loans
3.25%Net loans and leases to deposits
106.46%Net loans and leases to core deposits
143.45%Equity capital to assets
13.40%Core capital (leverage) ratio
13.40%Tier 1 risk-based capital ratio
21.22%Total risk-based capital ratio
Memoranda
$22Average assets
$34,375Average earning assets
$4,625Average equity
$32,172Average loans
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