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

The Napoleon State Bank - Overview

  • General
  • FDIC Certificate #: 10101
    Status: Active
    Federal Reserve ID: 944047
    Bank Holding Company (Regulatory Top Holder): Napoleon Bancorp (RSSDID: 1210525, Location: Napoleon, IN)
    Date Established: December 09, 1903
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 6459
    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: 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: September 23, 2010
    Last Data Update: September 23, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 8912 N Ushwy 421, Napoleon, IN 47034
    County: Ripley
    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
  • Change in Location
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $168.6 mil
    Equity capital: $15.1 mil
    Deposits held in domestic offices: $150.8 mil
    Return on assets (ROA): 0.74% ($1.3 mil)
    Quarterly return on assets: 0.78% ($1.3 mil)
    Return on Equity (ROE): 8.20% ($1.2 mil)
    Quarterly return on equity: 8.79% ($1.3 mil)
    Net income: $1.2 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.16% ($1,955.2 mil)
    Quarterly Pretax return on assets: 1.24% ($2,090.0 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
  • 49Total employees (full-time equivalent)
  • $168,551Total assets
  • $10,246Cash and due from depository institutions
  • $0Interest-bearing balances
  • $20,838Securities
  • $6,550Federal funds sold & reverse repurchase agreements
  • $122,631Net loans & leases
  • $1,449Loan loss allowance
  • $0Trading account assets
  • $4,834Bank premises and fixed assets
  • $707Other real estate owned
  • $573Goodwill and other intangibles
  • $168,551Life insurance assets
  • $2,172All other assets
  • $153,485Total liabilities and capital
  • $150,772Total liabilities
  • $130,162Total deposits
  • $150,772Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,000Trading liabilities
  • $0Other borrowed funds
  • $713Subordinated debt
  • $15,066All other liabilities
  • $15,066Total equity capital
  • $15,066Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $7,300Surplus
  • $7,666Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $475Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,164Income earned, not collected on loans
  • $65Earning assets
  • $1,241Long-term assets (5+ years)
  • $150,019Average Assets, year-to-date
  • $15,238Average Assets, quarterly
  • $162,346Volatile liabilities
  • $167,826Insider loans
  • $121,241FHLB advances
  • $168,025Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $14,983Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $13,890Restructured Loans and leases
  • $438Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,213Total interest income
  • $1,936Total interest expense
  • $5,277Net interest income
  • $455Provision for loan and lease losses
  • $1,034Total noninterest income
  • $5Fiduciary activities
  • $441Service charges on deposit accounts
  • $0Trading account gains & fees
  • $588Additional noninterest income
  • $3,978Total noninterest expense
  • $1,974Salaries and employee benefits
  • $850Premises and equipment expense
  • $1,154Additional noninterest expense
  • $1,878Pre-tax net operating income
  • $0Securities gains (losses)
  • $684Applicable income taxes
  • $1,194Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,194Net income attributable to bank
  • $0Net charge-offs
  • $1,194Cash dividends
  • $337Sale, conversion, retirement of capital stock, net
  • $201Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.99%Yield on earning assets
  • 1.34%Cost of funding earning assets
  • 3.65%Net interest margin
  • 0.71%Noninterest income to earning assets
  • 2.75%Noninterest expense to earning assets
  • 0.74%Net operating income to assets
  • 0.74%Return on assets (ROA)
  • 1.16%Pretax return on assets
  • 8.20%Return on equity (ROE)
  • 6.82%Retained earnings to average equity (YTD only)
  • 0.28%Net charge-offs to loans
  • 135.01%Credit loss provision to net charge-offs
  • 6.92%Efficiency ratio
  • 63,033Assets per employee
  • 3.44%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 16.83%Loss allowance to loans
  • 1.17%Loss allowance to noncurrent loans
  • 124.48%Noncurrent assets plus other real estate owned to assets
  • 1.11%Noncurrent loans to loans
  • 0.94%Net loans and leases to deposits
  • 81.34%Net loans and leases to core deposits
  • 85.80%Equity capital to assets
  • 8.94%Core capital (leverage) ratio
  • 8.92%Tier 1 risk-based capital ratio
  • 12.36%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $162,346Average earning assets
  • $14,561Average equity
  • $144,617Average 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
  • $10,634Managed Assets
  • 1Number of Accounts
  • $2,101Personal trust and agency accounts
  • $2,101Employee 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
  • 38Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $8,533Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 4 Indiana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06459The Napoleon State Bank8912 N Ushwy 421, Napoleon, IN 47034December 09, 1903Full Service Brick and Mortar
    1221864Holton Branch6383 West U.S. 50, Holton, IN 47023January 03, 1962Full Service Brick and Mortar
    2294944Osgood Branch910 South Buckeye, Osgood, IN 47037March 13, 2000Full Service Brick and Mortar
    3476943Greensburg Branch1221 West Westridge Parkway, Greensburg, IN 47240June 09, 2008Full Service Brick and Mortar

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