FDIC Certificate #: 30128 Status: Active Federal Reserve ID: 991078 Date Established: January 01, 1917 Trust Powers Granted: No Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 4807 FDIC's unique #: 42962 Numeric code: 34 Regulator: OCC Insurance Fund Membership: Deposit Insurance Fund (DIF) FDIC Insured: Yes Insured Savings Institution: 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: Mortgage Lending Specialization Date of Deposit Insurance: June 13, 1949 Last Structure Change Effective Date: July 21, 2011 Last Structure Change Process Date: July 21, 2011 Last Data Update: July 21, 2011 Data Source Date: April 05, 2012
Location
Address: 123 N Third Street, Boonville, IN 47601 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 Primary Regulatory Agency
Financial Summary
Total assets: $41.0 mil Equity capital: $4.4 mil Deposits held in domestic offices: $34.6 mil Return on assets (ROA): 0.17% ($0.1 mil) Quarterly return on assets: 0.23% ($0.1 mil) Return on Equity (ROE): 1.65% ($0.1 mil) Quarterly return on equity: 2.19% ($0.1 mil) Net income: $0.1 mil Quarterly Net income: $0.0 mil Pretax return on assets: 0.23% ($94.4 mil) Quarterly Pretax return on assets: 0.29% ($119.0 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
11Total employees (full-time equivalent)
$41,049Total assets
$9,626Cash and due from depository institutions
$8,057Interest-bearing balances
$14Securities
$0Federal funds sold & reverse repurchase agreements
$30,449Net loans & leases
$423Loan loss allowance
$0Trading account assets
$448Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$41,049Life insurance assets
$512All other assets
$36,645Total liabilities and capital
$34,640Total liabilities
$31,988Total deposits
$34,640Interest-bearing deposits
$90Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$2,000Trading liabilities
$0Other borrowed funds
$5Subordinated debt
$4,404All other liabilities
$4,404Total equity capital
$4,404Total bank equity capital
$0Perpetual preferred stock
$0Common stock
$0Surplus
$4,404Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$129Income earned, not collected on loans
$0Earning assets
$109Long-term assets (5+ years)
$38,520Average Assets, year-to-date
$0Average Assets, quarterly
$41,263Volatile liabilities
$41,161Insider loans
$23,354FHLB advances
$41,049Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$4,404Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,466Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,815Total interest income
$621Total interest expense
$1,194Net interest income
$4Provision for loan and lease losses
$197Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$197Additional noninterest income
$1,294Total noninterest expense
$679Salaries and employee benefits
$386Premises and equipment expense
$229Additional noninterest expense
$93Pre-tax net operating income
$0Securities gains (losses)
$21Applicable income taxes
$72Income before extraordinary items
$0Extraordinary gains - net
$72Net income attributable to bank
$0Net charge-offs
$72Cash dividends
$61Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.64%Yield on earning assets
1.59%Cost of funding earning assets
3.05%Net interest margin
0.50%Noninterest income to earning assets
3.31%Noninterest expense to earning assets
0.17%Net operating income to assets
0.17%Return on assets (ROA)
0.23%Pretax return on assets
1.65%Return on equity (ROE)
1.65%Retained earnings to average equity (YTD only)
0.20%Net charge-offs to loans
6.56%Credit loss provision to net charge-offs
1.59%Efficiency ratio
93,027Assets per employee
3.73%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.37%Loss allowance to noncurrent loans
327.91%Noncurrent assets plus other real estate owned to assets
0.31%Noncurrent loans to loans
0.42%Net loans and leases to deposits
87.90%Net loans and leases to core deposits
90.44%Equity capital to assets
10.73%Core capital (leverage) ratio
10.73%Tier 1 risk-based capital ratio
18.86%Total risk-based capital ratio
Memoranda
$20Average assets
$41,263Average earning assets
$4,362Average equity
$39,095Average loans
List of branches
1 Indiana Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
42962
Boonville Fsb
123 N Third Street, Boonville, IN 47601
January 01, 1917
Full Service Brick and Mortar
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