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

This bank is inactive as of November 20, 2005

State Bank of Oxford in Oxford, Indiana (IN)
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State Bank of Oxford - Overview

General
FDIC Certificate #: 14680
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Alliance Bank (#197)
Federal Reserve ID: 1008647
Date Established: October 31, 1902
WWW: http://www.statebankoxford.com
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 3 (Interstate: No)
OTS Docket #: 9973
FDIC's unique #: 9181
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: Yes
Date of Deposit Insurance: July 14, 1934
Last Structure Change Effective Date: November 20, 2005
Last Structure Change Process Date: December 02, 2005
Last Data Update: December 02, 2005
Data Source Date: April 05, 2012
Location
Address: Smith And Justus Streets, Oxford, IN 47971
County: Benton
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
Combined Statistical Area (CSA): Lafayette-Frankfort, IN (#320)
Core Based Statistical Area (CBSA): Lafayette, IN (#29140)
CBSA Metro Statistical Area: Lafayette, IN (#29140)
Financial Summary
Total assets: $69.2 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, 2004)

Dollar figures in thousands
28Total employees (full-time equivalent)
$68,998Total assets
$5,258Cash and due from depository institutions
$2,352Interest-bearing balances
$16,269Securities
$0Federal funds sold & reverse repurchase agreements
$44,809Net loans & leases
$679Loan loss allowance
$0Trading account assets
$1,756Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$906All other assets
$68,998Total liabilities and capital
$61,389Total liabilities
$59,367Total deposits
$51,266Interest-bearing deposits
$59,367Deposits held in domestic offices
0.00%% insured (estimated)
$419Federal funds purchased & repurchase agreements
$0Trading liabilities
$1,386Other borrowed funds
$0Subordinated debt
$217All other liabilities
$7,609Total equity capital
$7,609Total bank equity capital
$7,609Perpetual preferred stock
$0Common stock
$1,120Surplus
$2,620Undivided profits
Memoranda
$3,869Noncurrent loans and leases
$6,140Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$103Earning assets
$0Long-term assets (5+ years)
$583Average Assets, year-to-date
$63,430Average Assets, quarterly
$5,906Volatile liabilities
$69,462Insider loans
$69,135FHLB advances
$5,335Loans and leases held for sale
$320Unused loan commitments
$1,257Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$6,140Total unused commitments
$0Restructured Loans and leases
$621Derivatives

Income and Expense (December 31, 2004)

Dollar figures in thousands
$3,498Total interest income
$726Total interest expense
$2,772Net interest income
$9Provision for loan and lease losses
$372Total noninterest income
$2Fiduciary activities
$235Service charges on deposit accounts
$0Trading account gains & fees
$135Additional noninterest income
$2,441Total noninterest expense
$1,352Salaries and employee benefits
$308Premises and equipment expense
$781Additional noninterest expense
$694Pre-tax net operating income
$14Securities gains (losses)
$188Applicable income taxes
$520Income before extraordinary items
$0Extraordinary gains - net
$520Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$0Sale, conversion, retirement of capital stock, net
$395Net operating income

Performance and Condition Ratios (December 31, 2004)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.50%Yield on earning assets
1.14%Cost of funding earning assets
4.36%Net interest margin
0.59%Noninterest income to earning assets
3.84%Noninterest expense to earning assets
0.73%Net operating income to assets
0.75%Return on assets (ROA)
1.02%Pretax return on assets
6.77%Return on equity (ROE)
1.63%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
77,640Assets per employee
2.46%Cash dividends to net income (YTD only)
Condition Ratios (%)
75.96%Loss allowance to loans
1.49%Loss allowance to noncurrent loans
659.22%Noncurrent assets plus other real estate owned to assets
0.15%Noncurrent loans to loans
0.23%Net loans and leases to deposits
75.48%Net loans and leases to core deposits
81.77%Equity capital to assets
11.03%Core capital (leverage) ratio
10.84%Tier 1 risk-based capital ratio
15.22%Total risk-based capital ratio
Memoranda
$16Average assets
$69,462Average earning assets
$7,678Average equity
$63,573Average loans

Total Fiduciary and Related Assets (December 31, 2004)

Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
YesFiduciary powers granted
YesFiduciary or related activity
$1,594Managed Assets
1Number of Accounts
$1,395Personal trust and agency accounts
$1,071Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$324Investment management agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
10Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$199Other retirement accounts
$199Corporate trust and agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices

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