Bank One, Southern Indiana, National Association in New Albany, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of March 11, 1996

  • Bank One, Southern Indiana, National Association in New Albany, Indiana (IN)
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Bank One, Southern Indiana, National Association - Overview

  • General
  • FDIC Certificate #: 14549
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: Bank One, Kentucky, National Association (#14985)
    Federal Reserve ID: 280343
    Date Established: January 01, 1932
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 14 (Interstate: No)
    FDIC's unique #: 9092
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: July 03, 1934
    Last Structure Change Effective Date: March 11, 1996
    Last Structure Change Process Date: March 22, 1996
    Last Data Update: March 22, 1996
    Data Source Date: April 05, 2012
  • Location
  • Address: 120 West Spring Street, New Albany, IN 47150
    County: Floyd
    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): Louisville, KY-IN (#4520)
    Combined Statistical Area (CSA): Louisville-Jefferson County-Elizabethtown-Scottsburg, KY-IN (#350)
    Core Based Statistical Area (CBSA): Louisville-Jefferson County, KY-IN (#31140)
    CBSA Metro Statistical Area: Louisville-Jefferson County, KY-IN (#31140)
  • History of Changes
  • Merger - Without Assistance
    Corrections
  • Financial Summary
  • Total assets: $330.5 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $131Total assets
  • $330,457Cash and due from depository institutions
  • $15,269Interest-bearing balances
  • $0Securities
  • $46,628Federal funds sold & reverse repurchase agreements
  • $122,616Net loans & leases
  • $132,561Loan loss allowance
  • $2,417Trading account assets
  • $0Bank premises and fixed assets
  • $9,475Other real estate owned
  • $0Goodwill and other intangibles
  • $3,908Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $330,457Total liabilities
  • $308,574Total deposits
  • $299,102Interest-bearing deposits
  • $268,358Deposits held in domestic offices
  • 299102.00%% insured (estimated)
  • $84Federal funds purchased & repurchase agreements
  • $4,561Trading liabilities
  • $0Other borrowed funds
  • $932Subordinated debt
  • $0All other liabilities
  • $3,979Total equity capital
  • $3,979Total bank equity capital
  • $21,883Perpetual preferred stock
  • $0Common stock
  • $1,680Surplus
  • $6,319Undivided profits
  • Memoranda
  • $13,884Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,690Income earned, not collected on loans
  • $1,361Earning assets
  • $301,805Long-term assets (5+ years)
  • $58,111Average Assets, year-to-date
  • $330,709Average Assets, quarterly
  • $335,567Volatile liabilities
  • $34,954Insider loans
  • $1,882FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $11,549Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $21,630Total risk weighted assets
  • $161,280Total unused commitments
  • $0Restructured Loans and leases
  • $57,200Derivatives

Income and Expense (December 31, 1995)

  • Dollar figures in thousands
  • $0Total interest income
  • $25,634Total interest expense
  • $12,935Net interest income
  • $12,699Provision for loan and lease losses
  • $404Total noninterest income
  • $3,193Fiduciary activities
  • $0Service charges on deposit accounts
  • $2,005Trading account gains & fees
  • $0Additional noninterest income
  • $1,188Total noninterest expense
  • $8,866Salaries and employee benefits
  • $3,752Premises and equipment expense
  • $1,500Additional noninterest expense
  • $3,614Pre-tax net operating income
  • $6,622Securities gains (losses)
  • $2Applicable income taxes
  • $2,292Income before extraordinary items
  • $4,332Extraordinary gains - net
  • $0Net income attributable to bank
  • $4,332Net charge-offs
  • $400Cash dividends
  • $5,100Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1995)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.46%Cost of funding earning assets
  • 4.27%Net interest margin
  • 4.19%Noninterest income to earning assets
  • 1.05%Noninterest expense to earning assets
  • 2.93%Net operating income to assets
  • 1.31%Return on assets (ROA)
  • 1.31%Pretax return on assets
  • 2.00%Return on equity (ROE)
  • 18.86%Retained earnings to average equity (YTD only)
  • -3.34%Net charge-offs to loans
  • 0.20%Credit loss provision to net charge-offs
  • 101.00%Efficiency ratio
  • 55,789Assets per employee
  • 2.52%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 117.73%Loss allowance to loans
  • 1.79%Loss allowance to noncurrent loans
  • 89.85%Noncurrent assets plus other real estate owned to assets
  • 0.81%Noncurrent loans to loans
  • 1.99%Net loans and leases to deposits
  • 44.32%Net loans and leases to core deposits
  • 49.16%Equity capital to assets
  • 6.62%Core capital (leverage) ratio
  • 6.32%Tier 1 risk-based capital ratio
  • 13.41%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $330,709Average earning assets
  • $22,974Average equity
  • $303,106Average loans

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