FDIC Certificate #: 14561 Status: Active Federal Reserve ID: 50144 Date Established: September 19, 1933 Trust Powers Granted: Yes Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 9098 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: All Other Specialization < 1 Billion Date of Deposit Insurance: July 09, 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: 24 E Main St, Medora, IN 47260 County: Jackson 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 Core Based Statistical Area (CBSA): Seymour, IN (#42980) CBSA Micro Statistical Area: Yes
History of Changes
Change in Location
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $60.2 mil Equity capital: $9.9 mil Deposits held in domestic offices: $48.7 mil Return on assets (ROA): 1.02% ($0.6 mil) Quarterly return on assets: 0.85% ($0.5 mil) Return on Equity (ROE): 6.31% ($0.6 mil) Quarterly return on equity: 5.15% ($0.5 mil) Net income: $0.6 mil Quarterly Net income: $0.1 mil Pretax return on assets: 1.35% ($812.3 mil) Quarterly Pretax return on assets: 1.09% ($655.9 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
18Total employees (full-time equivalent)
$60,174Total assets
$2,285Cash and due from depository institutions
$100Interest-bearing balances
$20,459Securities
$13Federal funds sold & reverse repurchase agreements
$33,097Net loans & leases
$485Loan loss allowance
$0Trading account assets
$425Bank premises and fixed assets
$241Other real estate owned
$0Goodwill and other intangibles
$60,174Life insurance assets
$3,654All other assets
$50,233Total liabilities and capital
$48,686Total liabilities
$42,137Total deposits
$48,686Interest-bearing deposits
$94Deposits held in domestic offices
636.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$911Subordinated debt
$9,941All other liabilities
$9,941Total equity capital
$9,941Total bank equity capital
$0Perpetual preferred stock
$75Common stock
$1,000Surplus
$8,866Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,028Income earned, not collected on loans
$0Earning assets
$383Long-term assets (5+ years)
$53,669Average Assets, year-to-date
$23,036Average Assets, quarterly
$60,259Volatile liabilities
$60,096Insider loans
$34,994FHLB advances
$60,639Loans and leases held for sale
$2,436Unused loan commitments
$2,436Tier 1 (core) risk-based capital
$9,941Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,635Restructured Loans and leases
$904Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,945Total interest income
$762Total interest expense
$2,183Net interest income
$144Provision for loan and lease losses
$299Total noninterest income
$1Fiduciary activities
$123Service charges on deposit accounts
$0Trading account gains & fees
$175Additional noninterest income
$1,523Total noninterest expense
$870Salaries and employee benefits
$119Premises and equipment expense
$534Additional noninterest expense
$815Pre-tax net operating income
$0Securities gains (losses)
$200Applicable income taxes
$615Income before extraordinary items
$0Extraordinary gains - net
$615Net income attributable to bank
$0Net charge-offs
$615Cash dividends
$99Sale, conversion, retirement of capital stock, net
$142Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.42%Yield on earning assets
1.40%Cost of funding earning assets
4.01%Net interest margin
0.55%Noninterest income to earning assets
2.80%Noninterest expense to earning assets
1.02%Net operating income to assets
1.02%Return on assets (ROA)
1.35%Pretax return on assets
6.31%Return on equity (ROE)
4.85%Retained earnings to average equity (YTD only)
0.29%Net charge-offs to loans
145.45%Credit loss provision to net charge-offs
9.69%Efficiency ratio
61,362Assets per employee
3.34%Cash dividends to net income (YTD only)
Condition Ratios (%)
23.09%Loss allowance to loans
1.44%Loss allowance to noncurrent loans
47.18%Noncurrent assets plus other real estate owned to assets
2.11%Noncurrent loans to loans
3.06%Net loans and leases to deposits
67.98%Net loans and leases to core deposits
69.78%Equity capital to assets
16.52%Core capital (leverage) ratio
16.39%Tier 1 risk-based capital ratio
28.41%Total risk-based capital ratio
Memoranda
$30Average assets
$60,259Average earning assets
$9,750Average equity
$54,375Average 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
$1,185Managed Assets
1Number of Accounts
$1,185Personal trust and agency accounts
$22Employee benefit-defined contribution accounts
$943Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$220Investment management agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
5Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$435Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
List of branches
1 Indiana Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
9098
State Bank Of Medora
24 E Main St, Medora, IN 47260
September 19, 1933
Full Service Brick and Mortar
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