Regional Bank in New Albany, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of Febuary 12, 2005

  • Regional Bank in New Albany, Indiana (IN)
  • Show street view No street view available for this location

Regional Bank - Overview

  • General
  • FDIC Certificate #: 29664
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: MainSource Bank (#5766)
    Federal Reserve ID: 587275
    Date Established: January 01, 1902
    WWW: http://www.regionalbank.com
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 6 (Interstate: No)
    OTS Docket #: 3848
    FDIC's unique #: 42498
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    SAIF Insured: Yes
    Oakar Institutions: Yes
    State Chartered: Yes
    Date of Deposit Insurance: June 13, 1936
    Last Structure Change Effective Date: Febuary 12, 2005
    Last Structure Change Process Date: March 03, 2005
    Last Data Update: March 03, 2005
    Data Source Date: April 05, 2012
  • Location
  • Address: 100 East Spring Street, New Albany, IN 47150
    County: Floyd
    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): Louisville, KY-IN (#4520)
    Combined Statistical Area (CSA): Louisville-Jefferson County-Elizabethtown-Scottsburg, KY-IN (#350)
    Core Based Statistical Area (CBSA): Louisville-Jefferson County, KY-IN (#31140)
    CBSA Metro Statistical Area: Louisville-Jefferson County, KY-IN (#31140)
  • Financial Summary
  • Total assets: $251.3 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
  • 51Total employees (full-time equivalent)
  • $251,274Total assets
  • $8,905Cash and due from depository institutions
  • $21Interest-bearing balances
  • $70,764Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $156,973Net loans & leases
  • $1,570Loan loss allowance
  • $0Trading account assets
  • $3,396Bank premises and fixed assets
  • $519Other real estate owned
  • $4,942Goodwill and other intangibles
  • $0Life insurance assets
  • $5,775All other assets
  • $251,274Total liabilities and capital
  • $228,586Total liabilities
  • $174,827Total deposits
  • $158,974Interest-bearing deposits
  • $174,827Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $17,175Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $35,000Other borrowed funds
  • $0Subordinated debt
  • $1,584All other liabilities
  • $22,688Total equity capital
  • $22,688Total bank equity capital
  • $22,688Perpetual preferred stock
  • $0Common stock
  • $761Surplus
  • $13,146Undivided profits
  • Memoranda
  • $8,781Noncurrent loans and leases
  • $30,753Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $345Earning assets
  • $0Long-term assets (5+ years)
  • $1,149Average Assets, year-to-date
  • $227,758Average Assets, quarterly
  • $85,365Volatile liabilities
  • $250,848Insider loans
  • $251,052FHLB advances
  • $61,971Loans and leases held for sale
  • $3,358Unused loan commitments
  • $35,000Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $210Total risk weighted assets
  • $30,753Total unused commitments
  • $1,705Restructured Loans and leases
  • $1,570Derivatives

Income and Expense (December 31, 2004)

  • Dollar figures in thousands
  • $12,444Total interest income
  • $5,078Total interest expense
  • $7,366Net interest income
  • $60Provision for loan and lease losses
  • $1,842Total noninterest income
  • $0Fiduciary activities
  • $947Service charges on deposit accounts
  • $0Trading account gains & fees
  • $895Additional noninterest income
  • $5,009Total noninterest expense
  • $2,218Salaries and employee benefits
  • $532Premises and equipment expense
  • $2,259Additional noninterest expense
  • $4,139Pre-tax net operating income
  • $13Securities gains (losses)
  • $1,326Applicable income taxes
  • $2,826Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,826Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $151Sale, conversion, retirement of capital stock, net
  • $1,150Net operating income

Performance and Condition Ratios (December 31, 2004)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.44%Yield on earning assets
  • 2.22%Cost of funding earning assets
  • 3.22%Net interest margin
  • 0.81%Noninterest income to earning assets
  • 2.19%Noninterest expense to earning assets
  • 1.12%Net operating income to assets
  • 1.13%Return on assets (ROA)
  • 1.66%Pretax return on assets
  • 13.02%Return on equity (ROE)
  • 7.72%Retained earnings to average equity (YTD only)
  • 0.10%Net charge-offs to loans
  • 39.74%Credit loss provision to net charge-offs
  • 27.81%Efficiency ratio
  • 53,095Assets per employee
  • 4.93%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 40.69%Loss allowance to loans
  • 0.99%Loss allowance to noncurrent loans
  • 455.07%Noncurrent assets plus other real estate owned to assets
  • 0.34%Noncurrent loans to loans
  • 0.22%Net loans and leases to deposits
  • 89.79%Net loans and leases to core deposits
  • 101.25%Equity capital to assets
  • 9.03%Core capital (leverage) ratio
  • 7.07%Tier 1 risk-based capital ratio
  • 10.71%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $250,848Average earning assets
  • $21,697Average equity
  • $228,610Average loans

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