FCN Bank, National Association in city_name, state_name - Detailed Financial Reports, Location

FCN Bank, National Association in Brookville, Indiana (IN), OH
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FCN Bank, National Association routing number info

FCN Bank, National Association - Overview

General
FDIC Certificate #: 4319
Status: Active
Federal Reserve ID: 321947
Bank Holding Company (Regulatory Top Holder): Fcn Banc Corp. (RSSDID: 1134069, Location: Brookville, IN)
Date Established: January 01, 1900
WWW: http://www.fcnbank.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 5 (Domestic: 5, Interstate: Yes)
OTS Docket #: 11268
FDIC's unique #: 2835
Numeric code: 3
Regulator: OCC
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: No
Subchapter S Corporations: No
Asset Concentration Hierarchy: Mortgage Lending Specialization
Date of Deposit Insurance: January 01, 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: 501 Main Street, Brookville, IN 47012
County: Franklin
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
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
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $375.4 mil
Equity capital: $37.9 mil
Deposits held in domestic offices: $324.8 mil
Return on assets (ROA): 0.77% ($2.9 mil)
Quarterly return on assets: 0.75% ($2.8 mil)
Return on Equity (ROE): 7.56% ($2.9 mil)
Quarterly return on equity: 7.31% ($2.8 mil)
Net income: $2.8 mil
Quarterly Net income: $0.7 mil
Pretax return on assets: 1.06% ($3,979.6 mil)
Quarterly Pretax return on assets: 1.00% ($3,754.4 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
79Total employees (full-time equivalent)
$375,437Total assets
$12,138Cash and due from depository institutions
$8,043Interest-bearing balances
$156,189Securities
$995Federal funds sold & reverse repurchase agreements
$191,344Net loans & leases
$3,839Loan loss allowance
$0Trading account assets
$3,896Bank premises and fixed assets
$150Other real estate owned
$2,782Goodwill and other intangibles
$375,436Life insurance assets
$7,943All other assets
$337,514Total liabilities and capital
$324,835Total liabilities
$287,054Total deposits
$324,835Interest-bearing deposits
$90Deposits held in domestic offices
4570.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$6,000Trading liabilities
$0Other borrowed funds
$2,109Subordinated debt
$37,922All other liabilities
$37,922Total equity capital
$37,922Total bank equity capital
$0Perpetual preferred stock
$616Common stock
$648Surplus
$36,658Undivided profits
Memoranda
$0Noncurrent loans and leases
$1,128Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$5,858Income earned, not collected on loans
$1,275Earning assets
$1,687Long-term assets (5+ years)
$356,571Average Assets, year-to-date
$159,646Average Assets, quarterly
$360,583Volatile liabilities
$370,918Insider loans
$194,714FHLB advances
$373,979Loans and leases held for sale
$3,603Unused loan commitments
$3,603Tier 1 (core) risk-based capital
$32,957Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$25,861Restructured Loans and leases
$2,050Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$14,687Total interest income
$4,107Total interest expense
$10,580Net interest income
$1,210Provision for loan and lease losses
$1,600Total noninterest income
$20Fiduciary activities
$574Service charges on deposit accounts
$0Trading account gains & fees
$1,006Additional noninterest income
$7,146Total noninterest expense
$4,256Salaries and employee benefits
$830Premises and equipment expense
$2,060Additional noninterest expense
$3,824Pre-tax net operating income
$0Securities gains (losses)
$1,046Applicable income taxes
$2,778Income before extraordinary items
$0Extraordinary gains - net
$2,778Net income attributable to bank
$0Net charge-offs
$2,778Cash dividends
$822Sale, conversion, retirement of capital stock, net
$1,566Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.27%Yield on earning assets
1.19%Cost of funding earning assets
3.07%Net interest margin
0.46%Noninterest income to earning assets
2.08%Noninterest expense to earning assets
0.77%Net operating income to assets
0.77%Return on assets (ROA)
1.06%Pretax return on assets
7.56%Return on equity (ROE)
3.30%Retained earnings to average equity (YTD only)
0.43%Net charge-offs to loans
147.20%Credit loss provision to net charge-offs
6.12%Efficiency ratio
58,670Assets per employee
4.75%Cash dividends to net income (YTD only)
Condition Ratios (%)
56.37%Loss allowance to loans
1.97%Loss allowance to noncurrent loans
65.53%Noncurrent assets plus other real estate owned to assets
1.60%Noncurrent loans to loans
3.00%Net loans and leases to deposits
58.90%Net loans and leases to core deposits
60.27%Equity capital to assets
10.10%Core capital (leverage) ratio
8.81%Tier 1 risk-based capital ratio
16.93%Total risk-based capital ratio
Memoranda
$18Average assets
$360,583Average earning assets
$36,733Average equity
$344,161Average 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
$3,903Managed Assets
1Number of Accounts
$2,074Personal trust and agency accounts
$1,505Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Investment management agency accounts
$0Other fiduciary accounts
$569Fiduciary accounts held in foreign offices
$0Non-managed Assets
89Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$1,829Other retirement accounts
$1,816Corporate trust and agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices

List of branches

4 Indiana Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	2835	Fcn Bank, National Association	501 Main Street, Brookville, IN 47012	January 01, 1900	Full Service Brick and Mortar
1	235100	Everton Branch	5444 South State Road 1, Connersville, IN 47331	December 17, 1966	Full Service Brick and Mortar
2	203034	Batesville Branch	1060 State Road 229 North, Batesville, IN 47006	June 09, 1998	Full Service Brick and Mortar
4	362873	Sunman Branch	226 North Meridian Street, Sunman, IN 47041	November 05, 2001	Full Service Brick and Mortar

1 Ohio Branch as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
5	478463	Harrison Branch	590 Ring Road, Harrison, OH 45030	October 15, 2007	Full Service Brick and Mortar

FCN Bank, National Association in Brookville, Indiana (IN), OH
Overview, Financial Summary, Detailed Financial Reports, Branches

FCN Bank, National Association - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

FCN Bank, National Association in Brookville, Indiana (IN), OHOverview, Financial Summary, Detailed Financial Reports, Branches

FCN Bank, National Association - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

FCN Bank, National Association in Brookville, Indiana (IN), OH
Overview, Financial Summary, Detailed Financial Reports, Branches