The Citizens National Bank of Evansville in Evansville, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of December 31, 1998

  • The Citizens National Bank of Evansville in Evansville, Indiana (IN)
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The Citizens National Bank of Evansville - Overview

  • General
  • FDIC Certificate #: 4391
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Fifth Third Bank, Indiana (#8164)
    Federal Reserve ID: 17240
    Date Established: September 15, 1874
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 32 (Interstate: No)
    OTS Docket #: 11498
    FDIC's unique #: 2892
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Oakar Institutions: Yes
    State Chartered: No
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: December 31, 1998
    Last Structure Change Process Date: Febuary 03, 1999
    Last Data Update: Febuary 03, 1999
    Data Source Date: April 05, 2012
  • Location
  • Address: 20 N.W. Third Street, Evansville, IN 47739
    County: Vanderburgh
    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): Evansville-Henderson, IN-KY (#2440)
    Core Based Statistical Area (CBSA): Evansville, IN-KY (#21780)
    CBSA Metro Statistical Area: Evansville, IN-KY (#21780)
  • Financial Summary
  • Total assets: $2,491.9 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
  • 449Total employees (full-time equivalent)
  • $2,208,941Total assets
  • $90,601Cash and due from depository institutions
  • $293Interest-bearing balances
  • $798,239Securities
  • $168,521Federal funds sold & reverse repurchase agreements
  • $1,072,994Net loans & leases
  • $13,201Loan loss allowance
  • $0Trading account assets
  • $28,780Bank premises and fixed assets
  • $1,504Other real estate owned
  • $3,254Goodwill and other intangibles
  • $0Life insurance assets
  • $45,048All other assets
  • $2,208,941Total liabilities and capital
  • $2,054,893Total liabilities
  • $1,335,170Total deposits
  • $1,100,890Interest-bearing deposits
  • $1,335,170Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $442,717Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $260,196Other borrowed funds
  • $0Subordinated debt
  • $16,810All other liabilities
  • $154,048Total equity capital
  • $154,048Total bank equity capital
  • $154,048Perpetual preferred stock
  • $0Common stock
  • $16,000Surplus
  • $46,552Undivided profits
  • Memoranda
  • $91,496Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $6,428Earning assets
  • $326Long-term assets (5+ years)
  • $8,461Average Assets, year-to-date
  • $2,040,047Average Assets, quarterly
  • $961,067Volatile liabilities
  • $2,107,778Insider loans
  • $2,177,406FHLB advances
  • $594,220Loans and leases held for sale
  • $70,511Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $10,682Total risk weighted assets
  • $320,100Total unused commitments
  • $0Restructured Loans and leases
  • $1,315,899Derivatives

Income and Expense (December 31, 1997)

  • Dollar figures in thousands
  • $150,461Total interest income
  • $82,708Total interest expense
  • $67,753Net interest income
  • $2,686Provision for loan and lease losses
  • $24,797Total noninterest income
  • $0Fiduciary activities
  • $6,552Service charges on deposit accounts
  • $412Trading account gains & fees
  • $17,833Additional noninterest income
  • $45,892Total noninterest expense
  • $16,379Salaries and employee benefits
  • $3,252Premises and equipment expense
  • $26,261Additional noninterest expense
  • $43,972Pre-tax net operating income
  • $504Securities gains (losses)
  • $15,894Applicable income taxes
  • $28,582Income before extraordinary items
  • $0Extraordinary gains - net
  • $28,582Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $2,475Sale, conversion, retirement of capital stock, net
  • $13,832Net operating income

Performance and Condition Ratios (December 31, 1997)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.74%Yield on earning assets
  • 4.26%Cost of funding earning assets
  • 3.49%Net interest margin
  • 1.28%Noninterest income to earning assets
  • 2.36%Noninterest expense to earning assets
  • 1.34%Net operating income to assets
  • 1.36%Return on assets (ROA)
  • 2.11%Pretax return on assets
  • 19.83%Return on equity (ROE)
  • 10.23%Retained earnings to average equity (YTD only)
  • 0.24%Net charge-offs to loans
  • 108.53%Credit loss provision to net charge-offs
  • 18.85%Efficiency ratio
  • 49,064Assets per employee
  • 4.92%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 48.39%Loss allowance to loans
  • 1.22%Loss allowance to noncurrent loans
  • 205.37%Noncurrent assets plus other real estate owned to assets
  • 0.36%Noncurrent loans to loans
  • 0.59%Net loans and leases to deposits
  • 80.36%Net loans and leases to core deposits
  • 82.97%Equity capital to assets
  • 6.97%Core capital (leverage) ratio
  • 7.06%Tier 1 risk-based capital ratio
  • 11.48%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $2,107,778Average earning assets
  • $144,170Average equity
  • $1,943,045Average loans

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