Citizens' National Bank of Linton in Linton, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of July 01, 1996

Citizens' National Bank of Linton in Linton, Indiana (IN)
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Citizens' National Bank of Linton - Overview

General
FDIC Certificate #: 14734
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: AmBank Indiana, National Association (#4415)
Federal Reserve ID: 175047
Date Established: August 29, 1934
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 2 (Interstate: No)
FDIC's unique #: 9215
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: August 29, 1934
Last Structure Change Effective Date: July 01, 1996
Last Structure Change Process Date: July 10, 1996
Last Data Update: July 10, 1996
Data Source Date: April 05, 2012
Location
Address: 89 West Vincennes Street, Linton, IN 47441
County: Greene
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
Core Based Statistical Area (CBSA): Bloomington, IN (#14020)
CBSA Metro Statistical Area: Bloomington, IN (#14020)
Financial Summary
Total assets: $63.7 mil

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

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

Dollar figures in thousands
0Total employees (full-time equivalent)
$30Total assets
$59,721Cash and due from depository institutions
$2,800Interest-bearing balances
$692Securities
$16,447Federal funds sold & reverse repurchase agreements
$353Net loans & leases
$38,346Loan loss allowance
$461Trading account assets
$0Bank premises and fixed assets
$709Other real estate owned
$0Goodwill and other intangibles
$1,066Life insurance assets
$0All other assets
$0Total liabilities and capital
$59,721Total liabilities
$52,905Total deposits
$51,559Interest-bearing deposits
$44,559Deposits held in domestic offices
51559.00%% insured (estimated)
$91Federal funds purchased & repurchase agreements
$947Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$399Total equity capital
$399Total bank equity capital
$6,816Perpetual preferred stock
$0Common stock
$335Surplus
$1,322Undivided profits
Memoranda
$5,159Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$211Income earned, not collected on loans
$333Earning assets
$55,838Long-term assets (5+ years)
$7,452Average Assets, year-to-date
$59,209Average Assets, quarterly
$59,261Volatile liabilities
$3,975Insider loans
$1,965FHLB advances
$0Loans and leases held for sale
$94Unused loan commitments
$4,789Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$6,664Total risk weighted assets
$39,855Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1995)

Dollar figures in thousands
$0Total interest income
$4,506Total interest expense
$1,928Net interest income
$2,578Provision for loan and lease losses
$30Total noninterest income
$355Fiduciary activities
$0Service charges on deposit accounts
$245Trading account gains & fees
$0Additional noninterest income
$110Total noninterest expense
$1,688Salaries and employee benefits
$803Premises and equipment expense
$206Additional noninterest expense
$679Pre-tax net operating income
$1,215Securities gains (losses)
$0Applicable income taxes
$383Income before extraordinary items
$832Extraordinary gains - net
$0Net income attributable to bank
$832Net charge-offs
$78Cash dividends
$330Sale, 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
8.15%Cost of funding earning assets
3.49%Net interest margin
4.66%Noninterest income to earning assets
0.64%Noninterest expense to earning assets
3.05%Net operating income to assets
1.41%Return on assets (ROA)
1.41%Pretax return on assets
2.05%Return on equity (ROE)
13.16%Retained earnings to average equity (YTD only)
7.94%Net charge-offs to loans
0.20%Credit loss provision to net charge-offs
38.46%Efficiency ratio
57,552Assets per employee
1.99%Cash dividends to net income (YTD only)
Condition Ratios (%)
39.66%Loss allowance to loans
1.19%Loss allowance to noncurrent loans
218.48%Noncurrent assets plus other real estate owned to assets
0.35%Noncurrent loans to loans
0.54%Net loans and leases to deposits
74.37%Net loans and leases to core deposits
79.01%Equity capital to assets
11.41%Core capital (leverage) ratio
11.09%Tier 1 risk-based capital ratio
16.72%Total risk-based capital ratio
Memoranda
$18Average assets
$59,209Average earning assets
$6,323Average equity
$55,317Average loans

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