Stock Yards Bank & Trust Company in Austin, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of May 29, 1998

  • Stock Yards Bank & Trust Company in Austin, Indiana (IN)
  • Show street view No street view available for this location

Stock Yards Bank & Trust Company - Overview

  • General
  • FDIC Certificate #: 21645
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Stock Yards Bank & Trust Company (#258)
    Federal Reserve ID: 1847
    Date Established: May 01, 1909
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Interstate: No)
    FDIC's unique #: 14979
    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: June 19, 1974
    Last Structure Change Effective Date: May 29, 1998
    Last Structure Change Process Date: June 10, 1998
    Last Data Update: June 10, 1998
    Data Source Date: April 05, 2012
  • Location
  • Address: 55 South Highway 31, Austin, IN 47102
    County: Scott
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Indianapolis
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Louisville, KY-IN (#4520)
    Combined Statistical Area (CSA): Louisville-Jefferson County-Elizabethtown-Scottsburg, KY-IN (#350)
    Core Based Statistical Area (CBSA): Scottsburg, IN (#42500)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $25.9 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1997)

  • Dollar figures in thousands
  • 4Total employees (full-time equivalent)
  • $19,589Total assets
  • $1,549Cash and due from depository institutions
  • $0Interest-bearing balances
  • $6,436Securities
  • $6,000Federal funds sold & reverse repurchase agreements
  • $3,929Net loans & leases
  • $4Loan loss allowance
  • $0Trading account assets
  • $552Bank premises and fixed assets
  • $0Other real estate owned
  • $960Goodwill and other intangibles
  • $0Life insurance assets
  • $163All other assets
  • $19,589Total liabilities and capital
  • $16,780Total liabilities
  • $13,397Total deposits
  • $8,241Interest-bearing deposits
  • $13,397Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $3,310Other borrowed funds
  • $0Subordinated debt
  • $73All other liabilities
  • $2,809Total equity capital
  • $2,809Total bank equity capital
  • $2,809Perpetual preferred stock
  • $0Common stock
  • $25Surplus
  • $2,778Undivided profits
  • Memoranda
  • $6Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $7Earning assets
  • $0Long-term assets (5+ years)
  • $25Average Assets, year-to-date
  • $16,365Average Assets, quarterly
  • $157Volatile liabilities
  • $14,181Insider loans
  • $16,468FHLB advances
  • $4,000Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $88Total unused commitments
  • $0Restructured Loans and leases
  • $6,052Derivatives

Income and Expense (December 31, 1997)

  • Dollar figures in thousands
  • $667Total interest income
  • $240Total interest expense
  • $427Net interest income
  • $0Provision for loan and lease losses
  • $37Total noninterest income
  • $0Fiduciary activities
  • $33Service charges on deposit accounts
  • $0Trading account gains & fees
  • $4Additional noninterest income
  • $457Total noninterest expense
  • $158Salaries and employee benefits
  • $70Premises and equipment expense
  • $229Additional noninterest expense
  • $7Pre-tax net operating income
  • -$2Securities gains (losses)
  • $11Applicable income taxes
  • -$6Income before extraordinary items
  • $0Extraordinary gains - net
  • -$6Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $7Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1997)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.05%Yield on earning assets
  • 2.18%Cost of funding earning assets
  • 3.87%Net interest margin
  • 0.34%Noninterest income to earning assets
  • 4.14%Noninterest expense to earning assets
  • -0.03%Net operating income to assets
  • -0.04%Return on assets (ROA)
  • 0.04%Pretax return on assets
  • -0.21%Return on equity (ROE)
  • -0.21%Retained earnings to average equity (YTD only)
  • 0.56%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 1.00%Efficiency ratio
  • 83,621Assets per employee
  • 4.90%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.10%Loss allowance to noncurrent loans
  • 57.14%Noncurrent assets plus other real estate owned to assets
  • 0.04%Noncurrent loans to loans
  • 0.18%Net loans and leases to deposits
  • 29.33%Net loans and leases to core deposits
  • 30.92%Equity capital to assets
  • 14.34%Core capital (leverage) ratio
  • 12.33%Tier 1 risk-based capital ratio
  • 30.22%Total risk-based capital ratio
  • Memoranda
  • $30Average assets
  • $14,181Average earning assets
  • $2,805Average equity
  • $11,026Average loans

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