The Riddell National Bank in Brazil, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • The Riddell National Bank in Brazil, Indiana (IN)
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The Riddell National Bank routing number info

The Riddell National Bank - Overview

  • General
  • FDIC Certificate #: 4318
    Status: Active
    Federal Reserve ID: 319047
    Bank Holding Company (Regulatory Top Holder): Rnb Corp. (RSSDID: 1141478, Location: Brazil, IN)
    Date Established: June 15, 1885
    WWW: http://www.riddellonline.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 10389
    FDIC's unique #: 2834
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    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: 1 East National Avenue, Brazil, IN 47834
    County: Clay
    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): Terre Haute, IN (#8320)
    Core Based Statistical Area (CBSA): Terre Haute, IN (#45460)
    CBSA Metro Statistical Area: Terre Haute, IN (#45460)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $175.4 mil
    Equity capital: $14.0 mil
    Deposits held in domestic offices: $149.4 mil
    Return on assets (ROA): 0.75% ($1.3 mil)
    Quarterly return on assets: 1.09% ($1.9 mil)
    Return on Equity (ROE): 9.38% ($1.3 mil)
    Quarterly return on equity: 13.55% ($1.9 mil)
    Net income: $1.3 mil
    Quarterly Net income: $0.5 mil
    Pretax return on assets: 1.10% ($1,929.0 mil)
    Quarterly Pretax return on assets: 1.62% ($2,840.9 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
  • 59Total employees (full-time equivalent)
  • $175,366Total assets
  • $5,521Cash and due from depository institutions
  • $1,690Interest-bearing balances
  • $23,453Securities
  • $145Federal funds sold & reverse repurchase agreements
  • $137,273Net loans & leases
  • $1,495Loan loss allowance
  • $0Trading account assets
  • $3,145Bank premises and fixed assets
  • $136Other real estate owned
  • $574Goodwill and other intangibles
  • $175,367Life insurance assets
  • $5,119All other assets
  • $161,393Total liabilities and capital
  • $149,439Total liabilities
  • $128,574Total deposits
  • $149,439Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 10135.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $600Trading liabilities
  • $0Other borrowed funds
  • $1,219Subordinated debt
  • $13,974All other liabilities
  • $13,974Total equity capital
  • $13,974Total bank equity capital
  • $0Perpetual preferred stock
  • $1,264Common stock
  • $1,264Surplus
  • $11,446Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $385Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,453Income earned, not collected on loans
  • $0Earning assets
  • $1,016Long-term assets (5+ years)
  • $162,561Average Assets, year-to-date
  • $65,951Average Assets, quarterly
  • $173,201Volatile liabilities
  • $176,496Insider loans
  • $131,723FHLB advances
  • $177,234Loans and leases held for sale
  • $2,077Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $14,412Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $2,077Total unused commitments
  • $21,889Restructured Loans and leases
  • $620Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $8,085Total interest income
  • $2,080Total interest expense
  • $6,005Net interest income
  • $880Provision for loan and lease losses
  • $1,668Total noninterest income
  • $27Fiduciary activities
  • $583Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,058Additional noninterest income
  • $4,999Total noninterest expense
  • $2,647Salaries and employee benefits
  • $798Premises and equipment expense
  • $1,554Additional noninterest expense
  • $1,794Pre-tax net operating income
  • $112Securities gains (losses)
  • $601Applicable income taxes
  • $1,305Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,305Net income attributable to bank
  • $0Net charge-offs
  • $1,305Cash dividends
  • $681Sale, conversion, retirement of capital stock, net
  • $697Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.02%Yield on earning assets
  • 1.29%Cost of funding earning assets
  • 3.73%Net interest margin
  • 1.04%Noninterest income to earning assets
  • 3.10%Noninterest expense to earning assets
  • 0.71%Net operating income to assets
  • 0.75%Return on assets (ROA)
  • 1.10%Pretax return on assets
  • 9.38%Return on equity (ROE)
  • 4.37%Retained earnings to average equity (YTD only)
  • 0.51%Net charge-offs to loans
  • 129.22%Credit loss provision to net charge-offs
  • 3.93%Efficiency ratio
  • 65,151Assets per employee
  • 2.97%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 53.41%Loss allowance to loans
  • 1.08%Loss allowance to noncurrent loans
  • 43.30%Noncurrent assets plus other real estate owned to assets
  • 2.05%Noncurrent loans to loans
  • 2.49%Net loans and leases to deposits
  • 91.86%Net loans and leases to core deposits
  • 97.44%Equity capital to assets
  • 7.97%Core capital (leverage) ratio
  • 8.13%Tier 1 risk-based capital ratio
  • 10.94%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $173,201Average earning assets
  • $13,907Average equity
  • $161,113Average 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
  • $8,993Managed Assets
  • 1Number of Accounts
  • $6,898Personal trust and agency accounts
  • $4,046Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $2,600Other retirement accounts
  • $252Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 63Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $2,095Other retirement accounts
  • $0Corporate trust and agency accounts
  • $2,095Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 4 Indiana Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    02834The Riddell National Bank1 East National Avenue, Brazil, IN 47834June 15, 1885Full Service Brick and Mortar
    12836Center Point BranchCenter Point, Center Point, IN 47840October 08, 1908Full Service Brick and Mortar
    2203031East National Avenue Drive-In Branch2211 East National Avenue, Brazil, IN 47834August 09, 1971Full Service Brick and Mortar
    5478525Sycamore Terrace Branch2129 South State Road 46, Terre Haute, IN 47802June 09, 2008Full Service Brick and Mortar

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