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

This bank is inactive as of May 01, 1993

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

General
FDIC Certificate #: 13088
Status: Inactive
Closing history: Corrections
Acquiring institution: Lincolnland Bank (#33801)
Federal Reserve ID: 76845
Date Established: January 01, 1904
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 3 (Interstate: No)
FDIC's unique #: 8277
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: January 01, 1934
Last Structure Change Effective Date: May 01, 1993
Last Structure Change Process Date: May 13, 1993
Last Data Update: May 13, 1993
Data Source Date: April 05, 2012
Location
Address: Main Street, Dale, IN 47523
County: Spencer
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
History of Changes
Consolidated - Without Assistance
Corrections
Financial Summary
Total assets: $52.8 mil

Assets and Liabilities (December 31, 1992)

Dollar figures in thousands
0Total employees (full-time equivalent)
$26Total assets
$53,704Cash and due from depository institutions
$3,191Interest-bearing balances
$0Securities
$10,679Federal funds sold & reverse repurchase agreements
$700Net loans & leases
$37,618Loan loss allowance
$387Trading account assets
$0Bank premises and fixed assets
$562Other real estate owned
$213Goodwill and other intangibles
$741Life insurance assets
$0All other assets
$0Total liabilities and capital
$53,704Total liabilities
$47,851Total deposits
$47,604Interest-bearing deposits
$42,341Deposits held in domestic offices
47604.00%% insured (estimated)
$90Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$247Total equity capital
$247Total bank equity capital
$5,853Perpetual preferred stock
$0Common stock
$518Surplus
$1,670Undivided profits
Memoranda
$3,665Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$395Income earned, not collected on loans
$366Earning assets
$48,997Long-term assets (5+ years)
$7,141Average Assets, year-to-date
$53,261Average Assets, quarterly
$53,187Volatile liabilities
$4,114Insider loans
$827FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$2,683Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$5,853Total risk weighted assets
$37,043Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1992)

Dollar figures in thousands
$0Total interest income
$4,135Total interest expense
$1,913Net interest income
$2,222Provision for loan and lease losses
$200Total noninterest income
$275Fiduciary activities
$0Service charges on deposit accounts
$172Trading account gains & fees
$0Additional noninterest income
$103Total noninterest expense
$1,608Salaries and employee benefits
$882Premises and equipment expense
$200Additional noninterest expense
$526Pre-tax net operating income
$689Securities gains (losses)
$44Applicable income taxes
$201Income before extraordinary items
$532Extraordinary gains - net
$0Net income attributable to bank
$532Net charge-offs
$55Cash dividends
$139Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1992)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
8.34%Cost of funding earning assets
3.86%Net interest margin
4.48%Noninterest income to earning assets
0.55%Noninterest expense to earning assets
3.24%Net operating income to assets
0.94%Return on assets (ROA)
1.00%Pretax return on assets
1.38%Return on equity (ROE)
9.32%Retained earnings to average equity (YTD only)
6.88%Net charge-offs to loans
0.15%Credit loss provision to net charge-offs
363.64%Efficiency ratio
64,397Assets per employee
2.07%Cash dividends to net income (YTD only)
Condition Ratios (%)
26.13%Loss allowance to loans
1.02%Loss allowance to noncurrent loans
97.97%Noncurrent assets plus other real estate owned to assets
1.13%Noncurrent loans to loans
1.04%Net loans and leases to deposits
79.02%Net loans and leases to core deposits
86.50%Equity capital to assets
10.90%Core capital (leverage) ratio
10.90%Tier 1 risk-based capital ratio
15.80%Total risk-based capital ratio
Memoranda
$17Average assets
$53,261Average earning assets
$5,711Average equity
$49,581Average loans

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