State Bank of Lizton in Lizton, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches

State Bank of Lizton - Overview

  • General
  • FDIC Certificate #: 1833
    Status: Active
    Federal Reserve ID: 345747
    Bank Holding Company (Regulatory Top Holder): Lizton Financial Corporation (RSSDID: 1129618, Location: Lizton, IN)
    Date Established: December 01, 1910
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 10 (Domestic: 10, Interstate: No)
    FDIC's unique #: 1219
    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: 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: 206 North State Street, Lizton, IN 46149
    County: Hendricks
    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): Indianapolis, IN (#3480)
    Combined Statistical Area (CSA): Indianapolis-Anderson-Columbus, IN (#294)
    Core Based Statistical Area (CBSA): Indianapolis-Carmel, IN (#26900)
    CBSA Metro Statistical Area: Indianapolis-Carmel, IN (#26900)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $376.5 mil
    Equity capital: $38.0 mil
    Deposits held in domestic offices: $337.0 mil
    Return on assets (ROA): 0.55% ($2.1 mil)
    Quarterly return on assets: 0.65% ($2.4 mil)
    Return on Equity (ROE): 5.64% ($2.1 mil)
    Quarterly return on equity: 6.47% ($2.5 mil)
    Net income: $2.1 mil
    Quarterly Net income: $0.6 mil
    Pretax return on assets: 0.65% ($2,447.2 mil)
    Quarterly Pretax return on assets: 0.94% ($3,539.1 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
  • 97Total employees (full-time equivalent)
  • $376,496Total assets
  • $11,773Cash and due from depository institutions
  • $5,675Interest-bearing balances
  • $128,756Securities
  • $3,025Federal funds sold & reverse repurchase agreements
  • $208,863Net loans & leases
  • $5,248Loan loss allowance
  • $0Trading account assets
  • $7,093Bank premises and fixed assets
  • $4,467Other real estate owned
  • $0Goodwill and other intangibles
  • $376,496Life insurance assets
  • $12,519All other assets
  • $338,541Total liabilities and capital
  • $337,033Total liabilities
  • $294,863Total deposits
  • $337,033Interest-bearing deposits
  • $72Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,508Subordinated debt
  • $37,955All other liabilities
  • $37,955Total equity capital
  • $37,955Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $19,900Surplus
  • $17,955Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,831Income earned, not collected on loans
  • $0Earning assets
  • $2,006Long-term assets (5+ years)
  • $346,319Average Assets, year-to-date
  • $112,199Average Assets, quarterly
  • $375,773Volatile liabilities
  • $376,097Insider loans
  • $253,141FHLB advances
  • $383,453Loans and leases held for sale
  • $8,590Unused loan commitments
  • $8,590Tier 1 (core) risk-based capital
  • $36,068Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $40,210Restructured Loans and leases
  • $4,528Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $15,055Total interest income
  • $2,551Total interest expense
  • $12,504Net interest income
  • $2,660Provision for loan and lease losses
  • $3,170Total noninterest income
  • $12Fiduciary activities
  • $2,085Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,073Additional noninterest income
  • $11,601Total noninterest expense
  • $5,757Salaries and employee benefits
  • $1,447Premises and equipment expense
  • $4,397Additional noninterest expense
  • $1,413Pre-tax net operating income
  • $1,028Securities gains (losses)
  • $356Applicable income taxes
  • $2,085Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,085Net income attributable to bank
  • $0Net charge-offs
  • $2,085Cash dividends
  • $1,064Sale, conversion, retirement of capital stock, net
  • $780Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.53%Yield on earning assets
  • 0.77%Cost of funding earning assets
  • 3.76%Net interest margin
  • 0.95%Noninterest income to earning assets
  • 3.49%Noninterest expense to earning assets
  • 0.32%Net operating income to assets
  • 0.55%Return on assets (ROA)
  • 0.65%Pretax return on assets
  • 5.64%Return on equity (ROE)
  • 3.53%Retained earnings to average equity (YTD only)
  • 0.51%Net charge-offs to loans
  • 250.00%Credit loss provision to net charge-offs
  • 3.83%Efficiency ratio
  • 74,014Assets per employee
  • 3.88%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 37.41%Loss allowance to loans
  • 2.45%Loss allowance to noncurrent loans
  • 108.63%Noncurrent assets plus other real estate owned to assets
  • 2.47%Noncurrent loans to loans
  • 2.26%Net loans and leases to deposits
  • 61.97%Net loans and leases to core deposits
  • 70.51%Equity capital to assets
  • 10.08%Core capital (leverage) ratio
  • 9.41%Tier 1 risk-based capital ratio
  • 14.25%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $375,773Average earning assets
  • $36,936Average equity
  • $332,335Average 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
  • $4,712Managed Assets
  • 1Number of Accounts
  • $4,712Personal trust and agency accounts
  • $3,431Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $761Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $520Non-managed Assets
  • 12Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 10 Indiana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    01219State Bank Of Lizton206 North State Street, Lizton, IN 46149December 01, 1910Full Service Brick and Mortar
    1190199Pittsboro Branch35 South Maple Street, Pittsboro, IN 46167July 15, 1935Full Service Brick and Mortar
    2190200Eastern Branch7600 East 700 North, Brownsburg, IN 46112January 03, 1977Full Service Brick and Mortar
    3190201Lebanon Branch1801 Indianapolis Avenue, Lebanon, IN 46052January 02, 1987Full Service Brick and Mortar
    4190202Jamestown Branch33 Brush Street, Jamestown, IN 46147July 18, 1988Full Service Brick and Mortar
    8424190Thorntown Branch7984 West State Road 32, Thorntown, IN 46071December 01, 2003Full Service Brick and Mortar
    9446041Avon Branch5201 East Us Highway 36, Suite 213, Avon, IN 46123November 28, 2005Full Service Brick and Mortar
    11466783Marketplace Branch6529 East State Road 334, Zionsville, IN 46077July 31, 2007Full Service Brick and Mortar
    1247419556th Street Branch900 East 56th Street, Brownsburg, IN 46112April 30, 2008Full Service Brick and Mortar
    13510537Plainfield Branch2100 Stafford Road, Plainfield, IN 46168December 01, 2009Full Service Brick and Mortar

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