Springs Valley Bank & Trust Company in French Lick, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches


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

  • General
  • FDIC 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
  • Location
  • Address: 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 Summary
  • Total 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
  • 72Total employees (full-time equivalent)
  • $232,332Total assets
  • $11,506Cash and due from depository institutions
  • $3,287Interest-bearing balances
  • $51,130Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $152,027Net loans & leases
  • $4,929Loan loss allowance
  • $0Trading account assets
  • $3,707Bank premises and fixed assets
  • $563Other real estate owned
  • $134Goodwill and other intangibles
  • $232,332Life insurance assets
  • $13,265All other assets
  • $206,011Total liabilities and capital
  • $186,719Total liabilities
  • $157,279Total deposits
  • $186,719Interest-bearing deposits
  • $86Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $17,155Trading liabilities
  • $0Other borrowed funds
  • $2,137Subordinated debt
  • $26,321All other liabilities
  • $26,321Total equity capital
  • $26,321Total bank equity capital
  • $0Perpetual preferred stock
  • $1,420Common stock
  • $8,565Surplus
  • $16,336Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $824Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $7,869Income earned, not collected on loans
  • $0Earning assets
  • $1,174Long-term assets (5+ years)
  • $206,444Average Assets, year-to-date
  • $134,651Average Assets, quarterly
  • $231,859Volatile liabilities
  • $231,508Insider loans
  • $152,900FHLB advances
  • $230,398Loans and leases held for sale
  • $5,978Unused loan commitments
  • $3,037Tier 1 (core) risk-based capital
  • $25,360Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $2,941Total unused commitments
  • $19,608Restructured Loans and leases
  • $563Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $11,341Total interest income
  • $2,914Total interest expense
  • $8,427Net interest income
  • $1,289Provision for loan and lease losses
  • $2,773Total noninterest income
  • $853Fiduciary activities
  • $774Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,146Additional noninterest income
  • $7,845Total noninterest expense
  • $4,521Salaries and employee benefits
  • $978Premises and equipment expense
  • $2,346Additional noninterest expense
  • $2,066Pre-tax net operating income
  • $254Securities gains (losses)
  • $643Applicable income taxes
  • $1,677Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,677Net income attributable to bank
  • $0Net charge-offs
  • $1,677Cash dividends
  • $1,943Sale, conversion, retirement of capital stock, net
  • $100Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.45%Yield on earning assets
  • 1.40%Cost of funding earning assets
  • 4.05%Net interest margin
  • 1.33%Noninterest income to earning assets
  • 3.77%Noninterest expense to earning assets
  • 0.64%Net operating income to assets
  • 0.72%Return on assets (ROA)
  • 1.00%Pretax return on assets
  • 6.69%Return on equity (ROE)
  • 6.29%Retained earnings to average equity (YTD only)
  • 1.20%Net charge-offs to loans
  • 66.34%Credit loss provision to net charge-offs
  • 1.73%Efficiency ratio
  • 70,045Assets per employee
  • 3.23%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 5.96%Loss allowance to loans
  • 3.14%Loss allowance to noncurrent loans
  • 62.64%Noncurrent assets plus other real estate owned to assets
  • 3.63%Noncurrent loans to loans
  • 5.01%Net loans and leases to deposits
  • 81.42%Net loans and leases to core deposits
  • 87.04%Equity capital to assets
  • 11.33%Core capital (leverage) ratio
  • 11.01%Tier 1 risk-based capital ratio
  • 16.59%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $231,859Average earning assets
  • $25,083Average equity
  • $208,096Average 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
  • $216,917Managed Assets
  • 1Number of Accounts
  • $177,247Personal trust and agency accounts
  • $73,257Employee benefit-defined contribution accounts
  • $6,069Employee benefit-defined benefit accounts
  • $347Other retirement accounts
  • $21,735Corporate trust and agency accounts
  • $2,544Investment management agency accounts
  • $66,632Other fiduciary accounts
  • $6,663Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 611Number of Accounts
  • $0Personal trust and agency accounts
  • $21,735Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $39,670Other retirement accounts
  • $28,765Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $10,900Fiduciary accounts held in foreign offices

List of branches

  • 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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