Citizens Bank of Western Indiana in Terre Haute, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of December 31, 1998

  • Citizens Bank of Western Indiana in Terre Haute, Indiana (IN)
  • Show street view No street view available for this location

Citizens Bank of Western Indiana - Overview

  • General
  • FDIC Certificate #: 28528
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: Fifth Third Bank, Indiana (#8164)
    Federal Reserve ID: 541679
    Date Established: January 01, 1890
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 12 (Interstate: No)
    OTS Docket #: 1779
    FDIC's unique #: 41362
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    SAIF Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 18, 1936
    Last Structure Change Effective Date: December 31, 1998
    Last Structure Change Process Date: Febuary 04, 1999
    Last Data Update: September 07, 1999
    Data Source Date: April 05, 2012
  • Location
  • Address: 350 Wabash Avenue, Terre Haute, IN 47808
    County: Vigo
    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
  • Merger - Without Assistance
    Corrections
  • Financial Summary
  • Total assets: $439.9 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
  • 100Total employees (full-time equivalent)
  • $401,367Total assets
  • $6,455Cash and due from depository institutions
  • $45Interest-bearing balances
  • $111,927Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $259,929Net loans & leases
  • $3,277Loan loss allowance
  • $0Trading account assets
  • $4,958Bank premises and fixed assets
  • $371Other real estate owned
  • $8,958Goodwill and other intangibles
  • $0Life insurance assets
  • $8,769All other assets
  • $401,367Total liabilities and capital
  • $367,997Total liabilities
  • $322,695Total deposits
  • $296,911Interest-bearing deposits
  • $322,695Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $36,826Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $5,103Other borrowed funds
  • $0Subordinated debt
  • $3,373All other liabilities
  • $33,370Total equity capital
  • $33,370Total bank equity capital
  • $33,370Perpetual preferred stock
  • $0Common stock
  • $1Surplus
  • $25,105Undivided profits
  • Memoranda
  • $8,264Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $2,454Earning assets
  • $0Long-term assets (5+ years)
  • $1,746Average Assets, year-to-date
  • $371,901Average Assets, quarterly
  • $153,283Volatile liabilities
  • $392,109Insider loans
  • $400,282FHLB advances
  • $83,815Loans and leases held for sale
  • $6,864Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $2,210Total risk weighted assets
  • $46,650Total unused commitments
  • $0Restructured Loans and leases
  • $262,328Derivatives

Income and Expense (December 31, 1997)

  • Dollar figures in thousands
  • $30,574Total interest income
  • $17,164Total interest expense
  • $13,410Net interest income
  • $1,239Provision for loan and lease losses
  • $3,657Total noninterest income
  • $0Fiduciary activities
  • $1,330Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,327Additional noninterest income
  • $10,154Total noninterest expense
  • $3,314Salaries and employee benefits
  • $1,214Premises and equipment expense
  • $5,626Additional noninterest expense
  • $5,674Pre-tax net operating income
  • $243Securities gains (losses)
  • $2,238Applicable income taxes
  • $3,679Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,679Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $459Sale, conversion, retirement of capital stock, net
  • $1,630Net operating income

Performance and Condition Ratios (December 31, 1997)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.47%Yield on earning assets
  • 4.75%Cost of funding earning assets
  • 3.71%Net interest margin
  • 1.01%Noninterest income to earning assets
  • 2.81%Noninterest expense to earning assets
  • 0.90%Net operating income to assets
  • 0.94%Return on assets (ROA)
  • 1.51%Pretax return on assets
  • 11.48%Return on equity (ROE)
  • 6.40%Retained earnings to average equity (YTD only)
  • 0.18%Net charge-offs to loans
  • 269.93%Credit loss provision to net charge-offs
  • 15.06%Efficiency ratio
  • 55,323Assets per employee
  • 4.01%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 44.31%Loss allowance to loans
  • 1.25%Loss allowance to noncurrent loans
  • 133.54%Noncurrent assets plus other real estate owned to assets
  • 0.70%Noncurrent loans to loans
  • 0.93%Net loans and leases to deposits
  • 80.55%Net loans and leases to core deposits
  • 94.24%Equity capital to assets
  • 8.31%Core capital (leverage) ratio
  • 6.24%Tier 1 risk-based capital ratio
  • 9.31%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $392,109Average earning assets
  • $32,037Average equity
  • $361,023Average loans

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