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


The Elberfeld State Bank - Overview

  • General
  • FDIC Certificate #: 13104
    Status: Active
    Federal Reserve ID: 16748
    Bank Holding Company (Regulatory Top Holder): Esb Bancorp, Inc. (RSSDID: 3105568, Location: Elberfeld, IN)
    Date Established: July 25, 1905
    WWW: http://www.esbanc.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 13385
    FDIC's unique #: 8289
    Numeric code: 13
    Regulator: FED
    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: No
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 55 Main Street, Elberfeld, IN 47613
    County: Warrick
    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)
  • History of Changes
  • Change in Location
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $57.2 mil
    Equity capital: $6.6 mil
    Deposits held in domestic offices: $50.0 mil
    Return on assets (ROA): 0.99% ($0.6 mil)
    Quarterly return on assets: 1.08% ($0.6 mil)
    Return on Equity (ROE): 9.03% ($0.6 mil)
    Quarterly return on equity: 9.41% ($0.7 mil)
    Net income: $0.6 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.29% ($737.3 mil)
    Quarterly Pretax return on assets: 1.43% ($817.3 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
  • 16Total employees (full-time equivalent)
  • $57,155Total assets
  • $7,108Cash and due from depository institutions
  • $2,994Interest-bearing balances
  • $18,087Securities
  • $65Federal funds sold & reverse repurchase agreements
  • $27,688Net loans & leases
  • $449Loan loss allowance
  • $0Trading account assets
  • $1,472Bank premises and fixed assets
  • $22Other real estate owned
  • $371Goodwill and other intangibles
  • $57,155Life insurance assets
  • $2,342All other assets
  • $50,537Total liabilities and capital
  • $50,037Total liabilities
  • $36,728Total deposits
  • $50,037Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $500Subordinated debt
  • $6,618All other liabilities
  • $6,618Total equity capital
  • $6,618Total bank equity capital
  • $0Perpetual preferred stock
  • $400Common stock
  • $2,600Surplus
  • $3,618Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $130Income earned, not collected on loans
  • $0Earning assets
  • $431Long-term assets (5+ years)
  • $48,834Average Assets, year-to-date
  • $18,541Average Assets, quarterly
  • $58,322Volatile liabilities
  • $57,444Insider loans
  • $30,894FHLB advances
  • $56,474Loans and leases held for sale
  • $1,458Unused loan commitments
  • $1,458Tier 1 (core) risk-based capital
  • $6,334Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $6,124Restructured Loans and leases
  • $1,637Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,434Total interest income
  • $457Total interest expense
  • $1,977Net interest income
  • $30Provision for loan and lease losses
  • $566Total noninterest income
  • $0Fiduciary activities
  • $144Service charges on deposit accounts
  • $0Trading account gains & fees
  • $422Additional noninterest income
  • $1,768Total noninterest expense
  • $941Salaries and employee benefits
  • $173Premises and equipment expense
  • $654Additional noninterest expense
  • $745Pre-tax net operating income
  • $7Securities gains (losses)
  • $174Applicable income taxes
  • $578Income before extraordinary items
  • $0Extraordinary gains - net
  • $578Net income attributable to bank
  • $0Net charge-offs
  • $578Cash dividends
  • $38Sale, conversion, retirement of capital stock, net
  • $119Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.72%Yield on earning assets
  • 0.89%Cost of funding earning assets
  • 3.83%Net interest margin
  • 1.10%Noninterest income to earning assets
  • 3.43%Noninterest expense to earning assets
  • 0.98%Net operating income to assets
  • 0.99%Return on assets (ROA)
  • 1.29%Pretax return on assets
  • 9.03%Return on equity (ROE)
  • 7.17%Retained earnings to average equity (YTD only)
  • 0.13%Net charge-offs to loans
  • 78.95%Credit loss provision to net charge-offs
  • 20.39%Efficiency ratio
  • 69,524Assets per employee
  • 3.57%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 20.59%Loss allowance to loans
  • 1.60%Loss allowance to noncurrent loans
  • 345.38%Noncurrent assets plus other real estate owned to assets
  • 0.27%Noncurrent loans to loans
  • 0.46%Net loans and leases to deposits
  • 55.34%Net loans and leases to core deposits
  • 55.80%Equity capital to assets
  • 11.58%Core capital (leverage) ratio
  • 11.22%Tier 1 risk-based capital ratio
  • 20.50%Total risk-based capital ratio
  • Memoranda
  • $22Average assets
  • $58,322Average earning assets
  • $6,402Average equity
  • $51,609Average 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
  • $4Managed Assets
  • 1Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 1Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $4Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 2 Indiana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08289The Elberfeld State Bank55 Main Street, Elberfeld, IN 47613July 25, 1905Full Service Brick and Mortar
    1229115Haubstadt Branch803 East Highway 68, Haubstadt, IN 47639June 02, 1997Full Service Brick and Mortar

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