The Bath State Bank in city_name, state_name - Detailed Financial Reports, Location

The Bath State Bank in Bath, Indiana (IN)
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The Bath State Bank routing number info

The Bath State Bank - Overview

General
FDIC Certificate #: 8035
Status: Active
Federal Reserve ID: 308340
Bank Holding Company (Regulatory Top Holder): Bath State Bancorp (RSSDID: 1249329, Location: Bath, IN)
Date Established: October 23, 1923
WWW: http://www.bathstatebank.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Domestic: 2, Interstate: No)
FDIC's unique #: 5115
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Agricultural lending institution: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: Yes
Asset Concentration Hierarchy: Agricultural Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: June 02, 2010
Last Structure Change Process Date: June 02, 2010
Last Data Update: June 02, 2010
Data Source Date: April 05, 2012
Location
Address: 3095 Bath Road, Bath, IN 47010
County: Franklin
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): Cincinnati-Middletown-Wilmington, OH-KY-IN (#178)
Core Based Statistical Area (CBSA): Cincinnati-Middletown, OH-KY-IN (#17140)
CBSA Metro Statistical Area: Cincinnati-Middletown, OH-KY-IN (#17140)
History of Changes
Change in Location
Financial Summary
Total assets: $143.5 mil
Equity capital: $14.1 mil
Deposits held in domestic offices: $121.9 mil
Return on assets (ROA): 0.78% ($1.1 mil)
Quarterly return on assets: 1.26% ($1.8 mil)
Return on Equity (ROE): 8.34% ($1.2 mil)
Quarterly return on equity: 12.77% ($1.8 mil)
Net income: $1.1 mil
Quarterly Net income: $0.5 mil
Pretax return on assets: 0.78% ($1,119.5 mil)
Quarterly Pretax return on assets: 1.26% ($1,808.5 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
35Total employees (full-time equivalent)
$143,528Total assets
$5,817Cash and due from depository institutions
$75Interest-bearing balances
$24,238Securities
$3,710Federal funds sold & reverse repurchase agreements
$100,129Net loans & leases
$2,636Loan loss allowance
$0Trading account assets
$3,105Bank premises and fixed assets
$0Other real estate owned
$458Goodwill and other intangibles
$143,528Life insurance assets
$6,071All other assets
$129,423Total liabilities and capital
$121,918Total liabilities
$112,224Total deposits
$121,918Interest-bearing deposits
$87Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$6,676Trading liabilities
$0Other borrowed funds
$829Subordinated debt
$14,105All other liabilities
$14,105Total equity capital
$14,105Total bank equity capital
$0Perpetual preferred stock
$300Common stock
$7,500Surplus
$6,305Undivided profits
Memoranda
$0Noncurrent loans and leases
$419Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$3,955Income earned, not collected on loans
$1,766Earning assets
$1,703Long-term assets (5+ years)
$128,152Average Assets, year-to-date
$52,346Average Assets, quarterly
$146,001Volatile liabilities
$142,879Insider loans
$101,797FHLB advances
$142,750Loans and leases held for sale
$2,550Unused loan commitments
$1,250Tier 1 (core) risk-based capital
$13,337Tier 2 risk-based capital
$0Total risk weighted assets
$1,300Total unused commitments
$11,573Restructured Loans and leases
$136Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$7,498Total interest income
$2,574Total interest expense
$4,924Net interest income
$758Provision for loan and lease losses
$644Total noninterest income
$11Fiduciary activities
$122Service charges on deposit accounts
$0Trading account gains & fees
$511Additional noninterest income
$3,670Total noninterest expense
$2,145Salaries and employee benefits
$585Premises and equipment expense
$940Additional noninterest expense
$1,140Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$1,140Income before extraordinary items
$0Extraordinary gains - net
$1,140Net income attributable to bank
$0Net charge-offs
$1,140Cash dividends
$768Sale, conversion, retirement of capital stock, net
$917Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.67%Yield on earning assets
1.95%Cost of funding earning assets
3.72%Net interest margin
0.49%Noninterest income to earning assets
2.78%Noninterest expense to earning assets
0.78%Net operating income to assets
0.78%Return on assets (ROA)
0.78%Pretax return on assets
8.34%Return on equity (ROE)
1.63%Retained earnings to average equity (YTD only)
0.72%Net charge-offs to loans
98.70%Credit loss provision to net charge-offs
2.47%Efficiency ratio
65,912Assets per employee
4.10%Cash dividends to net income (YTD only)
Condition Ratios (%)
80.44%Loss allowance to loans
2.57%Loss allowance to noncurrent loans
66.65%Noncurrent assets plus other real estate owned to assets
2.76%Noncurrent loans to loans
3.85%Net loans and leases to deposits
82.13%Net loans and leases to core deposits
94.68%Equity capital to assets
9.83%Core capital (leverage) ratio
9.34%Tier 1 risk-based capital ratio
13.10%Total risk-based capital ratio
Memoranda
$14Average assets
$146,001Average earning assets
$13,662Average equity
$132,220Average 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
$7,323Managed Assets
1Number of Accounts
$5,699Personal trust and agency accounts
$1,280Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$1,528Other retirement accounts
$0Corporate trust and agency accounts
$0Investment management agency accounts
$2,891Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
31Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$1,624Other retirement accounts
$0Corporate trust and agency accounts
$0Other fiduciary accounts
$636Fiduciary accounts held in foreign offices

List of branches

2 Indiana Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
0	5115	The Bath State Bank	3095 Bath Road, Bath, IN 47010	October 23, 1923	Full Service Brick and Mortar
1	482369	West College Corner Branch	3828 South Highway 27, West College Corner, IN 47003	November 12, 2008	Full Service Brick and Mortar

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

The Bath State Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

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

The Bath State Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

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