Citizens Bank of Southern Indiana in Tell City, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of December 31, 1998

Citizens Bank of Southern Indiana in Tell City, Indiana (IN)
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Citizens Bank of Southern Indiana - Overview

General
FDIC Certificate #: 22674
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Fifth Third Bank, Indiana (#8164)
Federal Reserve ID: 39747
Date Established: July 01, 1978
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 8 (Interstate: No)
OTS Docket #: 8937
FDIC's unique #: 15826
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
Oakar Institutions: Yes
State Chartered: Yes
Date of Deposit Insurance: July 01, 1978
Last Structure Change Effective Date: December 31, 1998
Last Structure Change Process Date: Febuary 04, 1999
Last Data Update: Febuary 04, 1999
Data Source Date: April 05, 2012
Location
Address: 601 Main Street, Tell City, IN 47586
County: Perry
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
Financial Summary
Total assets: $304.8 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1997)

Dollar figures in thousands
73Total employees (full-time equivalent)
$110,060Total assets
$1,171Cash and due from depository institutions
$13Interest-bearing balances
$32,659Securities
$4,000Federal funds sold & reverse repurchase agreements
$62,621Net loans & leases
$782Loan loss allowance
$0Trading account assets
$2,955Bank premises and fixed assets
$0Other real estate owned
$877Goodwill and other intangibles
$0Life insurance assets
$5,777All other assets
$110,060Total liabilities and capital
$101,390Total liabilities
$87,468Total deposits
$79,280Interest-bearing deposits
$87,468Deposits held in domestic offices
0.00%% insured (estimated)
$7,893Federal funds purchased & repurchase agreements
$0Trading liabilities
$1,906Other borrowed funds
$0Subordinated debt
$4,123All other liabilities
$8,670Total equity capital
$8,670Total bank equity capital
$8,670Perpetual preferred stock
$0Common stock
$1,200Surplus
$1,733Undivided profits
Memoranda
$5,737Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$78Earning assets
$0Long-term assets (5+ years)
$419Average Assets, year-to-date
$99,293Average Assets, quarterly
$35,912Volatile liabilities
$111,572Insider loans
$113,742FHLB advances
$31,419Loans and leases held for sale
$5,965Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$1,088Total risk weighted assets
$15,083Total unused commitments
$0Restructured Loans and leases
$72,892Derivatives

Income and Expense (December 31, 1997)

Dollar figures in thousands
$8,021Total interest income
$4,714Total interest expense
$3,307Net interest income
$187Provision for loan and lease losses
$5,645Total noninterest income
$0Fiduciary activities
$297Service charges on deposit accounts
$0Trading account gains & fees
$5,348Additional noninterest income
$6,230Total noninterest expense
$3,788Salaries and employee benefits
$418Premises and equipment expense
$2,024Additional noninterest expense
$2,535Pre-tax net operating income
$63Securities gains (losses)
$898Applicable income taxes
$1,700Income before extraordinary items
$0Extraordinary gains - net
$1,700Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$20Sale, conversion, retirement of capital stock, net
$1,054Net operating income

Performance and Condition Ratios (December 31, 1997)

Dollar figures in thousands
Performance Ratios (%, annualized)
7.94%Yield on earning assets
4.67%Cost of funding earning assets
3.27%Net interest margin
5.59%Noninterest income to earning assets
6.17%Noninterest expense to earning assets
1.49%Net operating income to assets
1.52%Return on assets (ROA)
2.33%Pretax return on assets
20.43%Return on equity (ROE)
7.76%Retained earnings to average equity (YTD only)
0.03%Net charge-offs to loans
935.00%Credit loss provision to net charge-offs
136.10%Efficiency ratio
67,862Assets per employee
1.51%Cash dividends to net income (YTD only)
Condition Ratios (%)
62.00%Loss allowance to loans
1.23%Loss allowance to noncurrent loans
1002.56%Noncurrent assets plus other real estate owned to assets
0.07%Noncurrent loans to loans
0.12%Net loans and leases to deposits
71.59%Net loans and leases to core deposits
95.10%Equity capital to assets
7.88%Core capital (leverage) ratio
6.93%Tier 1 risk-based capital ratio
10.47%Total risk-based capital ratio
Memoranda
$12Average assets
$111,572Average earning assets
$8,322Average equity
$101,011Average loans

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