Bloomington Bank & Trust in Bloomington, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 01, 1993

Bloomington Bank & Trust in Bloomington, Indiana (IN)
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Bloomington Bank & Trust - Overview

General
FDIC Certificate #: 4316
Status: Inactive
Closing history: Consolidated - Without Assistance
Acquiring institution: Citizens Bank of Central Indiana (#14667)
Federal Reserve ID: 565442
Date Established: October 06, 1906
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 4 (Interstate: No)
FDIC's unique #: 2832
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: January 01, 1993
Last Structure Change Process Date: January 12, 1993
Last Data Update: January 12, 1993
Data Source Date: April 05, 2012
Location
Address: 200 South Washington Street, Bloomington, IN 47401
County: Monroe
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): Bloomington, IN (#1020)
Core Based Statistical Area (CBSA): Bloomington, IN (#14020)
CBSA Metro Statistical Area: Bloomington, IN (#14020)
Financial Summary
Total assets: $85.8 mil

Assets and Liabilities (December 31, 1992)

Dollar figures in thousands
0Total employees (full-time equivalent)
$73Total assets
$85,828Cash and due from depository institutions
$9,417Interest-bearing balances
$3,174Securities
$24,971Federal funds sold & reverse repurchase agreements
$2,125Net loans & leases
$46,576Loan loss allowance
$891Trading account assets
$0Bank premises and fixed assets
$1,796Other real estate owned
$263Goodwill and other intangibles
$680Life insurance assets
$0All other assets
$0Total liabilities and capital
$85,828Total liabilities
$79,700Total deposits
$79,187Interest-bearing deposits
$65,042Deposits held in domestic offices
79187.00%% insured (estimated)
$96Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$78Subordinated debt
$0All other liabilities
$435Total equity capital
$435Total bank equity capital
$6,128Perpetual preferred stock
$0Common stock
$1,076Surplus
$3,112Undivided profits
Memoranda
$1,940Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$761Income earned, not collected on loans
$236Earning assets
$76,846Long-term assets (5+ years)
$6,488Average Assets, year-to-date
$82,739Average Assets, quarterly
$85,460Volatile liabilities
$3,777Insider loans
$9FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$5,604Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$6,128Total risk weighted assets
$52,185Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1992)

Dollar figures in thousands
$0Total interest income
$6,345Total interest expense
$2,589Net interest income
$3,756Provision for loan and lease losses
$262Total noninterest income
$1,152Fiduciary activities
$0Service charges on deposit accounts
$404Trading account gains & fees
$0Additional noninterest income
$748Total noninterest expense
$3,468Salaries and employee benefits
$1,731Premises and equipment expense
$675Additional noninterest expense
$1,062Pre-tax net operating income
$1,178Securities gains (losses)
-$21Applicable income taxes
$350Income before extraordinary items
$807Extraordinary gains - net
$0Net income attributable to bank
$807Net charge-offs
$266Cash dividends
$53Sale, 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
8.39%Cost of funding earning assets
3.43%Net interest margin
4.97%Noninterest income to earning assets
1.52%Noninterest expense to earning assets
4.59%Net operating income to assets
0.99%Return on assets (ROA)
0.98%Pretax return on assets
1.40%Return on equity (ROE)
14.87%Retained earnings to average equity (YTD only)
13.89%Net charge-offs to loans
0.56%Credit loss provision to net charge-offs
98.50%Efficiency ratio
70,660Assets per employee
1.18%Cash dividends to net income (YTD only)
Condition Ratios (%)
6.57%Loss allowance to loans
1.88%Loss allowance to noncurrent loans
117.08%Noncurrent assets plus other real estate owned to assets
1.19%Noncurrent loans to loans
1.60%Net loans and leases to deposits
58.82%Net loans and leases to core deposits
61.76%Equity capital to assets
7.14%Core capital (leverage) ratio
7.17%Tier 1 risk-based capital ratio
11.74%Total risk-based capital ratio
Memoranda
$13Average assets
$82,739Average earning assets
$5,427Average equity
$75,590Average loans

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