The Auburn State Bank in Auburn, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of November 20, 1998

The Auburn State Bank in Auburn, Indiana (IN)
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The Auburn State Bank - Overview

General
FDIC Certificate #: 1841
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: National City Bank of Indiana (#4347)
Federal Reserve ID: 501141
Date Established: January 01, 1904
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 2 (Interstate: No)
FDIC's unique #: 1227
Numeric code: 13
Regulator: FED
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: January 01, 1934
Last Structure Change Effective Date: November 20, 1998
Last Structure Change Process Date: Febuary 05, 1999
Last Data Update: Febuary 05, 1999
Data Source Date: April 05, 2012
Location
Address: Main And Seventh Streets, Auburn, IN 46706
County: Dekalb
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): Fort Wayne, IN (#2760)
Combined Statistical Area (CSA): Fort Wayne-Huntington-Auburn, IN (#258)
Core Based Statistical Area (CBSA): Auburn, IN (#12140)
CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $134.4 mil

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

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1997)

Dollar figures in thousands
31Total employees (full-time equivalent)
$136,305Total assets
$3,654Cash and due from depository institutions
$0Interest-bearing balances
$41,733Securities
$12,600Federal funds sold & reverse repurchase agreements
$76,274Net loans & leases
$779Loan loss allowance
$0Trading account assets
$785Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$1,259All other assets
$136,305Total liabilities and capital
$125,758Total liabilities
$112,864Total deposits
$99,232Interest-bearing deposits
$112,864Deposits held in domestic offices
0.00%% insured (estimated)
$9,215Federal funds purchased & repurchase agreements
$0Trading liabilities
$2,642Other borrowed funds
$0Subordinated debt
$1,037All other liabilities
$10,547Total equity capital
$10,547Total bank equity capital
$10,547Perpetual preferred stock
$0Common stock
$500Surplus
$4,125Undivided profits
Memoranda
$5,922Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$200Earning assets
$0Long-term assets (5+ years)
$501Average Assets, year-to-date
$130,607Average Assets, quarterly
$44,421Volatile liabilities
$129,940Insider loans
$134,777FHLB advances
$23,220Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$10,379Total unused commitments
$0Restructured Loans and leases
$74,345Derivatives

Income and Expense (December 31, 1997)

Dollar figures in thousands
$9,086Total interest income
$4,182Total interest expense
$4,904Net interest income
$60Provision for loan and lease losses
$254Total noninterest income
$0Fiduciary activities
$161Service charges on deposit accounts
$0Trading account gains & fees
$93Additional noninterest income
$2,051Total noninterest expense
$1,170Salaries and employee benefits
$224Premises and equipment expense
$657Additional noninterest expense
$3,047Pre-tax net operating income
$0Securities gains (losses)
$1,076Applicable income taxes
$1,971Income before extraordinary items
$0Extraordinary gains - net
$1,971Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$66Sale, conversion, retirement of capital stock, net
$1,427Net operating income

Performance and Condition Ratios (December 31, 1997)

Dollar figures in thousands
Performance Ratios (%, annualized)
7.46%Yield on earning assets
3.43%Cost of funding earning assets
4.03%Net interest margin
0.21%Noninterest income to earning assets
1.68%Noninterest expense to earning assets
1.52%Net operating income to assets
1.52%Return on assets (ROA)
2.34%Pretax return on assets
19.40%Return on equity (ROE)
5.35%Retained earnings to average equity (YTD only)
0.09%Net charge-offs to loans
90.91%Credit loss provision to net charge-offs
47.08%Efficiency ratio
39,763Assets per employee
4.40%Cash dividends to net income (YTD only)
Condition Ratios (%)
72.40%Loss allowance to loans
1.01%Loss allowance to noncurrent loans
389.50%Noncurrent assets plus other real estate owned to assets
0.15%Noncurrent loans to loans
0.26%Net loans and leases to deposits
67.58%Net loans and leases to core deposits
75.15%Equity capital to assets
7.74%Core capital (leverage) ratio
7.63%Tier 1 risk-based capital ratio
13.58%Total risk-based capital ratio
Memoranda
$15Average assets
$129,940Average earning assets
$10,161Average equity
$121,759Average loans

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