Dupont State Bank in Dupont, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Dupont State Bank in Dupont, Indiana (IN)
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Dupont State Bank routing number info

Dupont State Bank - Overview

  • General
  • FDIC Certificate #: 14714
    Status: Active
    Federal Reserve ID: 201441
    Bank Holding Company (Regulatory Top Holder): Lea M. Mcmullan Trust (RSSDID: 2847236, Location: Shelbyville, KY)
    Date Established: January 01, 1910
    WWW: http://www.dupontstatebank.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Domestic: 5, Interstate: No)
    FDIC's unique #: 9205
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: August 28, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 220 North State Street, Dupont, IN 47231
    County: Jefferson
    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): Madison, IN (#31500)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Location
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $80.2 mil
    Equity capital: $7.8 mil
    Deposits held in domestic offices: $72.1 mil
    Return on assets (ROA): 0.68% ($0.5 mil)
    Quarterly return on assets: 0.74% ($0.6 mil)
    Return on Equity (ROE): 7.42% ($0.6 mil)
    Quarterly return on equity: 7.78% ($0.6 mil)
    Net income: $0.6 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.13% ($906.5 mil)
    Quarterly Pretax return on assets: 1.21% ($970.7 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
  • 33Total employees (full-time equivalent)
  • $80,220Total assets
  • $1,553Cash and due from depository institutions
  • $685Interest-bearing balances
  • $5,088Securities
  • $8,636Federal funds sold & reverse repurchase agreements
  • $58,378Net loans & leases
  • $1,260Loan loss allowance
  • $0Trading account assets
  • $4,371Bank premises and fixed assets
  • $953Other real estate owned
  • $0Goodwill and other intangibles
  • $80,220Life insurance assets
  • $1,241All other assets
  • $72,443Total liabilities and capital
  • $72,139Total liabilities
  • $61,223Total deposits
  • $72,139Interest-bearing deposits
  • $83Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $304Subordinated debt
  • $7,777All other liabilities
  • $7,777Total equity capital
  • $7,777Total bank equity capital
  • $0Perpetual preferred stock
  • $160Common stock
  • $5,904Surplus
  • $1,713Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,705Income earned, not collected on loans
  • $0Earning assets
  • $445Long-term assets (5+ years)
  • $72,787Average Assets, year-to-date
  • $46,394Average Assets, quarterly
  • $81,183Volatile liabilities
  • $81,161Insider loans
  • $55,614FHLB advances
  • $81,461Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $7,688Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $6,697Restructured Loans and leases
  • $884Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,323Total interest income
  • $845Total interest expense
  • $3,478Net interest income
  • $381Provision for loan and lease losses
  • $362Total noninterest income
  • $0Fiduciary activities
  • $175Service charges on deposit accounts
  • $0Trading account gains & fees
  • $187Additional noninterest income
  • $2,621Total noninterest expense
  • $1,257Salaries and employee benefits
  • $464Premises and equipment expense
  • $900Additional noninterest expense
  • $838Pre-tax net operating income
  • $77Securities gains (losses)
  • $359Applicable income taxes
  • $556Income before extraordinary items
  • $0Extraordinary gains - net
  • $556Net income attributable to bank
  • $0Net charge-offs
  • $556Cash dividends
  • $378Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.95%Yield on earning assets
  • 1.16%Cost of funding earning assets
  • 4.78%Net interest margin
  • 0.50%Noninterest income to earning assets
  • 3.61%Noninterest expense to earning assets
  • 0.62%Net operating income to assets
  • 0.68%Return on assets (ROA)
  • 1.13%Pretax return on assets
  • 7.42%Return on equity (ROE)
  • 7.42%Retained earnings to average equity (YTD only)
  • 0.62%Net charge-offs to loans
  • 100.79%Credit loss provision to net charge-offs
  • 3.22%Efficiency ratio
  • 68,255Assets per employee
  • 2.43%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.11%Loss allowance to noncurrent loans
  • 73.90%Noncurrent assets plus other real estate owned to assets
  • 3.31%Noncurrent loans to loans
  • 2.86%Net loans and leases to deposits
  • 80.92%Net loans and leases to core deposits
  • 97.79%Equity capital to assets
  • 9.69%Core capital (leverage) ratio
  • 9.44%Tier 1 risk-based capital ratio
  • 13.82%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $81,183Average earning assets
  • $7,491Average equity
  • $72,687Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $223Managed Assets
  • 1Number of Accounts
  • $223Personal trust and agency accounts
  • $223Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 8Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 5 Indiana Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    09205Dupont State Bank220 North State Street, Dupont, IN 47231January 01, 1910Full Service Brick and Mortar
    2419658North Vernon Branch220 N. State Street, North Vernon, IN 47265May 05, 2003Full Service Brick and Mortar
    3469143North Vernon Lpo216 North State Street, North Vernon, IN 47265July 02, 2007Limited Service Loan Production
    4493588Seymour Branch1725 E. Tipton Street, Suite 100, Seymour, IN 47274April 06, 2009Full Service Brick and Mortar
    5521848Loan & Operations Center Branch216 N. State Street, North Vernon, IN 47265July 01, 2007Limited Service Administrative

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