STAR Financial Bank in Fort Wayne, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • STAR Financial Bank in Fort Wayne, Indiana (IN)
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STAR Financial Bank - Overview

  • General
  • FDIC Certificate #: 27235
    Status: Active
    Federal Reserve ID: 547840
    Bank Holding Company (Regulatory Top Holder): Star Financial Group, Inc. (RSSDID: 1141647, Location: Fort Wayne, IN)
    Date Established: May 02, 1988
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 48 (Domestic: 48, Interstate: No)
    OTS Docket #: 10676
    FDIC's unique #: 39170
    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: May 02, 1988
    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: 127 West Berry Street, Fort Wayne, IN 46802
    County: Allen
    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): Fort Wayne, IN (#2760)
    Combined Statistical Area (CSA): Fort Wayne-Huntington-Auburn, IN (#258)
    Core Based Statistical Area (CBSA): Fort Wayne, IN (#23060)
    CBSA Metro Statistical Area: Fort Wayne, IN (#23060)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $1,622.5 mil
    Equity capital: $153.7 mil
    Deposits held in domestic offices: $1,346.4 mil
    Return on assets (ROA): 0.89% ($14.4 mil)
    Quarterly return on assets: 0.69% ($11.2 mil)
    Return on Equity (ROE): 9.61% ($14.8 mil)
    Quarterly return on equity: 7.24% ($11.1 mil)
    Net income: $14.3 mil
    Quarterly Net income: $2.8 mil
    Pretax return on assets: 1.25% ($20,280.9 mil)
    Quarterly Pretax return on assets: 0.92% ($14,926.7 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, 2011)

  • Dollar figures in thousands
  • 613Total employees (full-time equivalent)
  • $1,622,469Total assets
  • $184,963Cash and due from depository institutions
  • $120,677Interest-bearing balances
  • $228,088Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $1,080,437Net loans & leases
  • $21,691Loan loss allowance
  • $0Trading account assets
  • $34,269Bank premises and fixed assets
  • $7,635Other real estate owned
  • $9,333Goodwill and other intangibles
  • $1,622,469Life insurance assets
  • $77,744All other assets
  • $1,468,791Total liabilities and capital
  • $1,346,374Total liabilities
  • $986,364Total deposits
  • $1,346,374Interest-bearing deposits
  • $83Deposits held in domestic offices
  • 41060.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $66,798Trading liabilities
  • $0Other borrowed funds
  • $14,559Subordinated debt
  • $153,678All other liabilities
  • $153,678Total equity capital
  • $153,678Total bank equity capital
  • $0Perpetual preferred stock
  • $400Common stock
  • $71,668Surplus
  • $81,610Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $1,160Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $19,886Income earned, not collected on loans
  • $134Earning assets
  • $5,302Long-term assets (5+ years)
  • $1,429,202Average Assets, year-to-date
  • $365,638Average Assets, quarterly
  • $1,600,258Volatile liabilities
  • $1,605,792Insider loans
  • $1,285,642FHLB advances
  • $1,601,311Loans and leases held for sale
  • $37,077Unused loan commitments
  • $427Tier 1 (core) risk-based capital
  • $154,881Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $36,650Total unused commitments
  • $350,587Restructured Loans and leases
  • $6,383Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $66,610Total interest income
  • $10,231Total interest expense
  • $56,379Net interest income
  • $1,977Provision for loan and lease losses
  • $31,459Total noninterest income
  • $1,492Fiduciary activities
  • $10,084Service charges on deposit accounts
  • $0Trading account gains & fees
  • $19,883Additional noninterest income
  • $64,743Total noninterest expense
  • $36,081Salaries and employee benefits
  • $9,101Premises and equipment expense
  • $19,561Additional noninterest expense
  • $21,118Pre-tax net operating income
  • -$1,080Securities gains (losses)
  • $5,716Applicable income taxes
  • $14,322Income before extraordinary items
  • $0Extraordinary gains - net
  • $14,322Net income attributable to bank
  • $0Net charge-offs
  • $14,322Cash dividends
  • $577Sale, conversion, retirement of capital stock, net
  • $5,950Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.70%Yield on earning assets
  • 0.72%Cost of funding earning assets
  • 3.98%Net interest margin
  • 2.22%Noninterest income to earning assets
  • 4.57%Noninterest expense to earning assets
  • 0.94%Net operating income to assets
  • 0.89%Return on assets (ROA)
  • 1.25%Pretax return on assets
  • 9.61%Return on equity (ROE)
  • 5.62%Retained earnings to average equity (YTD only)
  • 0.05%Net charge-offs to loans
  • 342.63%Credit loss provision to net charge-offs
  • 40.03%Efficiency ratio
  • 72,876Assets per employee
  • 2.65%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 41.54%Loss allowance to loans
  • 1.97%Loss allowance to noncurrent loans
  • 109.08%Noncurrent assets plus other real estate owned to assets
  • 1.70%Noncurrent loans to loans
  • 1.80%Net loans and leases to deposits
  • 80.25%Net loans and leases to core deposits
  • 83.90%Equity capital to assets
  • 9.47%Core capital (leverage) ratio
  • 9.67%Tier 1 risk-based capital ratio
  • 12.05%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $1,600,258Average earning assets
  • $149,056Average equity
  • $1,416,922Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $186,279Managed Assets
  • 1Number of Accounts
  • $185,809Personal trust and agency accounts
  • $53,187Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $19,309Other retirement accounts
  • $26,133Corporate trust and agency accounts
  • $4,913Investment management agency accounts
  • $82,267Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 599Number of Accounts
  • $0Personal trust and agency accounts
  • $21,967Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $470Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $394Fiduciary accounts held in foreign offices

List of branches

  • 48 Indiana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    039170Star Financial Bank127 West Berry Street, Fort Wayne, IN 46802May 02, 1988Full Service Brick and Mortar
    5203083Elwood Branch7373w Sr28 East, Elwood, IN 46036January 03, 1967Full Service Brick and Mortar
    8203086Carmel Branch140 East Carmel Drive, Carmel, IN 46032December 30, 1986Full Service Brick and Mortar
    91210Elwood/Star Branch125 South Anderson Street, Elwood, IN 46036April 07, 1933Full Service Brick and Mortar
    14261433Pendleton Branch7180 State Road 67, Pendleton, IN 46064July 31, 1995Full Service Brick and Mortar
    20208135North Baldwin Branch1127 North Baldwin Aveue, Marion, IN 46952Febuary 05, 1973Full Service Brick and Mortar
    2110314Upland Branch175 North Main Street, Upland, IN 46989October 25, 1943Full Service Brick and Mortar
    221216Gas City Branch931 East Main Street, Gas City, IN 46933December 30, 1930Full Service Brick and Mortar
    23190197South Western Branch2948 South Western Avenue, Marion, IN 46953December 20, 1972Full Service Brick and Mortar
    25285176Kokomo Markland Branch1708 East Markland Avenue, Kokomo, IN 46901January 01, 1887Full Service Brick and Mortar
    265124New Castle Branch403 Parkview Drive, New Castle, IN 47362January 01, 1904Full Service Brick and Mortar
    27217785Shirley Branch310 Main Street, Shirley, IN 47384November 09, 1973Full Service Brick and Mortar
    289305High Street Branch400 North High Street, Muncie, IN 47305January 01, 1909Full Service Brick and Mortar
    29232302Jackson Street Branch2701 West Jackson Street, Muncie, IN 47303July 27, 1970Full Service Brick and Mortar
    30232303Gaston Branch201 West Elm Street, Gaston, IN 47342August 15, 1977Full Service Brick and Mortar
    31232304Everbrook/Mcgalliard Branch3300 N Everbrook, Muncie, IN 47304December 14, 1982Full Service Brick and Mortar
    32232306Broadway Branch3901 North Broadway, Muncie, IN 47303December 27, 1989Full Service Brick and Mortar
    333942Columbia City Branch102 West Van Buren Street, Columbia City, IN 46725January 01, 1929Full Service Brick and Mortar
    34208153South Whitley Branch207 South State Street, South Whitley, IN 46787October 08, 1976Full Service Brick and Mortar
    35208154Churubusco Branch4070 North Us 33, Churubusco, IN 46723December 01, 1981Full Service Brick and Mortar
    36208155Illinois Road Branch5513 Illinois Road, Fort Wayne, IN 46804September 30, 1985Full Service Brick and Mortar
    37208156St. Joe Center Road Branch5920 St. Joe Center Road, Fort Wayne, IN 46835October 01, 1987Full Service Brick and Mortar
    38208157Lima Road Branch7110 Lima Road, Fort Wayne, IN 46818October 01, 1990Full Service Brick and Mortar
    3912331Hamilton Branch7700 South Wayne Street, Hamilton, IN 46742January 01, 1905Full Service Brick and Mortar
    40245377Angola Branch2004 N. Wayne Street Suite F, Angola, IN 46703January 27, 1983Full Service Brick and Mortar
    41208158Frontage Road Branch105 Frontage Road, Columbia City, IN 46725July 29, 1991Full Service Brick and Mortar
    4240739Tipton Branch874 East Jefferson St, Tipton, IN 46072January 01, 1915Full Service Brick and Mortar
    43261436Anderson Main735 Main Street, Anderson, IN 46015August 02, 1999Full Service Brick and Mortar
    44340746Walnut Street Branch114 East Walnut Street, Kokomo, IN 46901October 13, 1999Full Service Brick and Mortar
    46358638Waynedale Branch6240 Bluffton Road, Fort Wayne, IN 46809September 18, 2000Full Service Brick and Mortar
    47361835Coventry Branch5760 Coventry Lane, Fort Wayne, IN 46804March 05, 2001Full Service Brick and Mortar
    49420246Ft. Wayne Coliseum Branch1820 North Coliseum Boulevard, Fort Wayne, IN 46805November 18, 2002Full Service Retail
    50430795Fort Harrison(Harrison Centre) Branc9165 East 56th Street, Indianapolis, IN 46216December 08, 2003Full Service Brick and Mortar
    51432676Greenfield Branch230 East New Road, Greenfield, IN 46140September 13, 2004Full Service Brick and Mortar
    52432679Cross Street Branch1523 East Cross Street, Anderson, IN 46012September 07, 2004Full Service Brick and Mortar
    53440190Southdale Branch1503 East 53rd Street, Anderson, IN 46013May 02, 2005Full Service Brick and Mortar
    54440531South Wasington2900 South Washington Street, Kokomo, IN 46902May 23, 2005Full Service Brick and Mortar
    55443012Prairie Lakes Branch14160 Mundy Drive Suite 100, Noblesville, IN 46060August 20, 2004Full Service Brick and Mortar
    56446898Olio Road Branch13318 Olio Road, Fishers, IN 46037January 16, 2006Full Service Brick and Mortar
    57448976Fishers Branch11673 Allisonville Road, Fishers, IN 46038March 06, 2006Full Service Brick and Mortar
    5844984096th Street Branch8762 East 96th Street, Fishers, IN 46037March 13, 2006Full Service Brick and Mortar
    60463555Muncie South Branch1651 East 29th Street, Muncie, IN 47302May 29, 2007Full Service Brick and Mortar
    61469638Dupont Road Branch2130 East Dupont Road, Fort Wayne, IN 46825December 10, 2007Full Service Brick and Mortar
    62472040Keystone At The Crossing Branch3610 River Crossing Parkway, Indianapolis, IN 46240Febuary 19, 2008Full Service Brick and Mortar
    63473589Marion Downtown Branch315 South Adams Street, Marion, IN 46952March 17, 2008Full Service Brick and Mortar
    64483415Hazel Dell Crossing Branch14675 Hazell Dell Crossing, Noblesville, IN 46062December 08, 2008Full Service Brick and Mortar
    65500317Kendallville Branch360 West North Street, Kendallville, IN 46755January 04, 2010Full Service Brick and Mortar
    66511739North Meridian Branch9102 N Meridian St., Suite 101, Indianapolis, IN 46260November 02, 2009Full Service Brick and Mortar

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