Springs Valley Bank & Trust Company in French Lick, Indiana (IN)



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Springs Valley Bank & Trust Company routing number info

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Springs Valley Bank & Trust Company
GeneralFDIC Certificate #: 4419
Status: Active
Federal Reserve ID: 93543
Bank Holding Company (Regulatory Top Holder): Svb&T Corporation (RSSDID: 1098385, Location: French Lick, IN)
Date Established: January 01, 1902
WWW: http://www.svbt.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 4 (Domestic: 4, Interstate: No)
OTS Docket #: 13738
FDIC's unique #: 2918
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: January 01, 1934
Last Structure Change Effective Date: Febuary 07, 2012
Last Structure Change Process Date: Febuary 07, 2012
Last Data Update: Febuary 07, 2012
Data Source Date: April 05, 2012
LocationAddress: 505 S Maple St, French Lick, IN 47432
County: Orange
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 SummaryTotal assets: $232.3 mil
Equity capital: $26.3 mil
Deposits held in domestic offices: $186.7 mil
Return on assets (ROA): 0.72% ($1.7 mil)
Quarterly return on assets: 0.99% ($2.3 mil)
Return on Equity (ROE): 6.69% ($1.7 mil)
Quarterly return on equity: 8.74% ($2.3 mil)
Net income: $1.7 mil
Quarterly Net income: $0.6 mil
Pretax return on assets: 1.00% ($2,323.3 mil)
Quarterly Pretax return on assets: 1.42% ($3,299.1 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)
Total employees (full-time equivalent)72
Total assets$232,332
Cash and due from depository institutions$11,506
Interest-bearing balances$3,287
Securities$51,130
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$152,027
Loan loss allowance $4,929
Trading account assets$0
Bank premises and fixed assets$3,707
Other real estate owned$563
Goodwill and other intangibles$134
All other assets$13,265
Life insurance assets$232,332
Total liabilities and capital$206,011
Total liabilities$186,719
Total deposits$157,279
Interest-bearing deposits$186,719
Deposits held in domestic offices$86
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$17,155
Other borrowed funds $0
Subordinated debt $2,137
All other liabilities $26,321
Total equity capital$26,321
Total bank equity capital$26,321
Perpetual preferred stock$0
Common stock$1,420
Surplus$8,565
Undivided profits $16,336
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $824
Income earned, not collected on loans $7,869
Earning assets $0
Long-term assets (5+ years) $1,174
Average Assets, year-to-date $206,444
Average Assets, quarterly $134,651
Volatile liabilities $231,859
Insider loans $231,508
FHLB advances $152,900
Loans and leases held for sale $230,398
Unused loan commitments $5,978
Tier 1 (core) risk-based capital $3,037
Tier 2 risk-based capital $25,360
Total risk weighted assets $0
Total unused commitments $2,941
Restructured Loans and leases $19,608
Derivatives$563
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $11,341
Total interest expense $2,914
Net interest income $8,427
Provision for loan and lease losses $1,289
Total noninterest income $2,773
Fiduciary activities $853
Service charges on deposit accounts $774
Trading account gains & fees $0
Additional noninterest income $1,146
Total noninterest expense $7,845
Salaries and employee benefits $4,521
Premises and equipment expense $978
Additional noninterest expense $2,346
Pre-tax net operating income $2,066
Securities gains (losses) $254
Applicable income taxes $643
Income before extraordinary items $1,677
Extraordinary gains - net $0
Net income attributable to bank $1,677
Net charge-offs $0
Cash dividends $1,677
Sale, conversion, retirement of capital stock, net $1,943
Net operating income $100
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.45%
Cost of funding earning assets 1.40%
Net interest margin 4.05%
Noninterest income to earning assets 1.33%
Noninterest expense to earning assets 3.77%
Net operating income to assets 0.64%
Return on assets (ROA) 0.72%
Pretax return on assets 1.00%
Return on equity (ROE) 6.69%
Retained earnings to average equity (YTD only) 6.29%
Net charge-offs to loans 1.20%
Credit loss provision to net charge-offs 66.34%
Efficiency ratio1.73%
Assets per employee$70,045
Cash dividends to net income (YTD only)3.23%
Condition Ratios (%)
Loss allowance to loans 5.96%
Loss allowance to noncurrent loans 3.14%
Noncurrent assets plus other real estate owned to assets 62.64%
Noncurrent loans to loans 3.63%
Net loans and leases to deposits5.01%
Net loans and leases to core deposits 81.42%
Equity capital to assets 87.04%
Core capital (leverage) ratio 11.33%
Tier 1 risk-based capital ratio 11.01%
Total risk-based capital ratio 16.59%
Memoranda
Average assets$18
Average earning assets$231,859
Average equity $25,083
Average loans $208,096
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$216,917
Number of Accounts1
Personal trust and agency accounts$177,247
Employee benefit-defined contribution accounts$73,257
Employee benefit-defined benefit accounts$6,069
Other retirement accounts$347
Corporate trust and agency accounts$21,735
Investment management agency accounts$2,544
Other fiduciary accounts$66,632
Fiduciary accounts held in foreign offices$6,663
Non-managed Assets$0
Number of Accounts611
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$21,735
Employee benefit-defined benefit accounts$0
Other retirement accounts$39,670
Corporate trust and agency accounts$28,765
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$10,900
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4 Indiana Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
02918Springs Valley Bank & Trust Company505 S Maple St, French Lick, IN 47432January 01, 1902Full Service Brick and Mortar
1203665West Baden Branch8356 W West Baden Avenue, West Baden Springs, IN 47469January 02, 1959Full Service Brick and Mortar
2203666Jasper Branch1500 Main Street, Jasper, IN 47546October 10, 1985Full Service Brick and Mortar
32036673rd Avenue Branch865 3rd Ave, Jasper, IN 47546August 20, 1987Full Service Brick and Mortar
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