Dearborn Savings Bank in Lawrenceburg, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Dearborn Savings Bank in Lawrenceburg, Indiana (IN)
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Dearborn Savings Bank - Overview

  • General
  • FDIC Certificate #: 29926
    Status: Active
    Federal Reserve ID: 738572
    Date Established: January 01, 1891
    WWW: http://www.dearbornsavings.com
    Trust Powers Granted: Yes
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 4354
    FDIC's unique #: 42760
    Numeric code: 37
    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: Commercial Lending Specialization
    Date of Deposit Insurance: Febuary 12, 1938
    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: 595 West Eads Parkway, Lawrenceburg, IN 47025
    County: Dearborn
    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): Cincinnati, OH-KY-IN (#1640)
    Consolidated Metropolitan Statistical Area (CMSA): Cincinnati-Hamilton, OH-KY-IN (#21)
    Combined Statistical Area (CSA): Cincinnati-Middletown-Wilmington, OH-KY-IN (#178)
    Core Based Statistical Area (CBSA): Cincinnati-Middletown, OH-KY-IN (#17140)
    CBSA Metro Statistical Area: Cincinnati-Middletown, OH-KY-IN (#17140)
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $116.1 mil
    Equity capital: $15.8 mil
    Deposits held in domestic offices: $93.3 mil
    Return on assets (ROA): 0.71% ($0.8 mil)
    Quarterly return on assets: 0.74% ($0.9 mil)
    Return on Equity (ROE): 5.53% ($0.9 mil)
    Quarterly return on equity: 5.52% ($0.9 mil)
    Net income: $0.8 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.03% ($1,195.9 mil)
    Quarterly Pretax return on assets: 1.10% ($1,277.2 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
  • 20Total employees (full-time equivalent)
  • $116,109Total assets
  • $4,563Cash and due from depository institutions
  • $3,586Interest-bearing balances
  • $12,701Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $87,901Net loans & leases
  • $1,065Loan loss allowance
  • $0Trading account assets
  • $3,189Bank premises and fixed assets
  • $1,152Other real estate owned
  • $249Goodwill and other intangibles
  • $116,109Life insurance assets
  • $6,354All other assets
  • $100,350Total liabilities and capital
  • $93,260Total liabilities
  • $91,350Total deposits
  • $93,260Interest-bearing deposits
  • $84Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $5,225Trading liabilities
  • $0Other borrowed funds
  • $1,865Subordinated debt
  • $15,759All other liabilities
  • $15,759Total equity capital
  • $15,759Total bank equity capital
  • $0Perpetual preferred stock
  • $16Common stock
  • $5,582Surplus
  • $10,161Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,983Income earned, not collected on loans
  • $0Earning assets
  • $433Long-term assets (5+ years)
  • $104,188Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $119,647Volatile liabilities
  • $116,066Insider loans
  • $79,507FHLB advances
  • $116,125Loans and leases held for sale
  • $3,481Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $15,775Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $9,822Restructured Loans and leases
  • $2,019Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,324Total interest income
  • $1,229Total interest expense
  • $4,095Net interest income
  • $335Provision for loan and lease losses
  • $372Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $372Additional noninterest income
  • $2,895Total noninterest expense
  • $1,409Salaries and employee benefits
  • $452Premises and equipment expense
  • $1,034Additional noninterest expense
  • $1,237Pre-tax net operating income
  • -$2Securities gains (losses)
  • $389Applicable income taxes
  • $846Income before extraordinary items
  • $0Extraordinary gains - net
  • $846Net income attributable to bank
  • $0Net charge-offs
  • $846Cash dividends
  • $289Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.01%Yield on earning assets
  • 1.16%Cost of funding earning assets
  • 3.85%Net interest margin
  • 0.35%Noninterest income to earning assets
  • 2.72%Noninterest expense to earning assets
  • 0.71%Net operating income to assets
  • 0.71%Return on assets (ROA)
  • 1.03%Pretax return on assets
  • 5.53%Return on equity (ROE)
  • 5.53%Retained earnings to average equity (YTD only)
  • 0.32%Net charge-offs to loans
  • 115.92%Credit loss provision to net charge-offs
  • 5.44%Efficiency ratio
  • 64,809Assets per employee
  • 5.81%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.20%Loss allowance to noncurrent loans
  • 53.71%Noncurrent assets plus other real estate owned to assets
  • 2.70%Noncurrent loans to loans
  • 2.23%Net loans and leases to deposits
  • 94.25%Net loans and leases to core deposits
  • 101.78%Equity capital to assets
  • 13.57%Core capital (leverage) ratio
  • 13.58%Tier 1 risk-based capital ratio
  • 19.84%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $119,647Average earning assets
  • $15,295Average equity
  • $106,258Average loans

List of branches

  • 2 Indiana Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    042760Dearborn Savings Bank595 West Eads Parkway, Lawrenceburg, IN 47025January 01, 1891Full Service Brick and Mortar
    1277779Ridge Avenue Branch141 Ridge Avenue, Lawrenceburg, IN 47025June 22, 1998Full Service Brick and Mortar

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