First Harrison Bank in Corydon, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • First Harrison Bank in Corydon, Indiana (IN)
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First Harrison Bank - Overview

  • General
  • FDIC Certificate #: 31223
    Status: Active
    Federal Reserve ID: 716374
    Date Established: January 01, 1891
    WWW: http://www.firstharrison.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 13 (Domestic: 13, Interstate: No)
    OTS Docket #: 6568
    FDIC's unique #: 44057
    Numeric code: 33
    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: All Other Specialization < 1 Billion
    Date of Deposit Insurance: December 08, 1961
    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: 220 Federal Dr Nw, Corydon, IN 47112
    County: Harrison
    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): Louisville, KY-IN (#4520)
    Combined Statistical Area (CSA): Louisville-Jefferson County-Elizabethtown-Scottsburg, KY-IN (#350)
    Core Based Statistical Area (CBSA): Louisville-Jefferson County, KY-IN (#31140)
    CBSA Metro Statistical Area: Louisville-Jefferson County, KY-IN (#31140)
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $439.6 mil
    Equity capital: $50.5 mil
    Deposits held in domestic offices: $364.8 mil
    Return on assets (ROA): 0.92% ($4.0 mil)
    Quarterly return on assets: 0.97% ($4.3 mil)
    Return on Equity (ROE): 8.40% ($4.3 mil)
    Quarterly return on equity: 8.46% ($4.3 mil)
    Net income: $4.1 mil
    Quarterly Net income: $1.1 mil
    Pretax return on assets: 1.29% ($5,670.5 mil)
    Quarterly Pretax return on assets: 1.36% ($5,978.2 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
  • 134Total employees (full-time equivalent)
  • $439,572Total assets
  • $14,874Cash and due from depository institutions
  • $566Interest-bearing balances
  • $107,941Securities
  • $7,604Federal funds sold & reverse repurchase agreements
  • $278,956Net loans & leases
  • $2,524Loan loss allowance
  • $0Trading account assets
  • $10,686Bank premises and fixed assets
  • $696Other real estate owned
  • $5,419Goodwill and other intangibles
  • $439,572Life insurance assets
  • $13,396All other assets
  • $389,047Total liabilities and capital
  • $364,834Total liabilities
  • $349,474Total deposits
  • $364,834Interest-bearing deposits
  • $72Deposits held in domestic offices
  • 9125.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $12,455Trading liabilities
  • $0Other borrowed funds
  • $2,633Subordinated debt
  • $50,525All other liabilities
  • $50,525Total equity capital
  • $50,525Total bank equity capital
  • $0Perpetual preferred stock
  • $1Common stock
  • $20,824Surplus
  • $29,700Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $6,113Income earned, not collected on loans
  • $0Earning assets
  • $1,783Long-term assets (5+ years)
  • $395,067Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $445,040Volatile liabilities
  • $438,887Insider loans
  • $269,958FHLB advances
  • $432,541Loans and leases held for sale
  • $5,991Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $43,494Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $40,982Restructured Loans and leases
  • $5,860Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $19,746Total interest income
  • $3,774Total interest expense
  • $15,972Net interest income
  • $1,825Provision for loan and lease losses
  • $4,404Total noninterest income
  • $0Fiduciary activities
  • $1,435Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,969Additional noninterest income
  • $12,777Total noninterest expense
  • $7,795Salaries and employee benefits
  • $1,523Premises and equipment expense
  • $3,459Additional noninterest expense
  • $5,774Pre-tax net operating income
  • -$44Securities gains (losses)
  • $1,615Applicable income taxes
  • $4,115Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,115Net income attributable to bank
  • $0Net charge-offs
  • $4,115Cash dividends
  • $1,282Sale, conversion, retirement of capital stock, net
  • $2,200Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.92%Yield on earning assets
  • 0.94%Cost of funding earning assets
  • 3.98%Net interest margin
  • 1.10%Noninterest income to earning assets
  • 3.18%Noninterest expense to earning assets
  • 0.93%Net operating income to assets
  • 0.92%Return on assets (ROA)
  • 1.29%Pretax return on assets
  • 8.40%Return on equity (ROE)
  • 3.91%Retained earnings to average equity (YTD only)
  • 0.44%Net charge-offs to loans
  • 142.36%Credit loss provision to net charge-offs
  • 5.93%Efficiency ratio
  • 62,382Assets per employee
  • 3.28%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 53.46%Loss allowance to loans
  • 0.90%Loss allowance to noncurrent loans
  • 41.29%Noncurrent assets plus other real estate owned to assets
  • 1.54%Noncurrent loans to loans
  • 2.17%Net loans and leases to deposits
  • 76.46%Net loans and leases to core deposits
  • 78.02%Equity capital to assets
  • 11.49%Core capital (leverage) ratio
  • 10.06%Tier 1 risk-based capital ratio
  • 16.11%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $445,040Average earning assets
  • $48,972Average equity
  • $401,526Average 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
  • $1,365Managed Assets
  • 1Number 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
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 223Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $1,365Other retirement accounts
  • $1,365Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 13 Indiana Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    044057First Harrison Bank220 Federal Dr Nw, Corydon, IN 47112January 01, 1891Full Service Brick and Mortar
    1283847Corydon Branch391 Old Capitol Plaza, Corydon, IN 47112May 05, 1997Full Service Brick and Mortar
    29900Palmyra Branch710 Main Street, Palmyra, IN 47164September 10, 1938Full Service Brick and Mortar
    4234674Greenville Branch9849 Highway 150, Greenville, IN 47124September 08, 1986Full Service Brick and Mortar
    5234675Georgetown Branch5100 Hwy 64, Georgetown, IN 47122December 01, 1995Full Service Brick and Mortar
    7234677Charlestown Crossing Branch4303 Charlestown Road, New Albany, IN 47150June 07, 1999Full Service Brick and Mortar
    8357962New Salisbury Branch8095 State Highway 135ne, New Salisbury, IN 47161May 01, 1999Full Service Brick and Mortar
    9359129State Road BranchState Road 150, Hardinsburg, IN 47125January 12, 2000Full Service Brick and Mortar
    1056995Hometown Branch3131 Grantline Road, New Albany, IN 47150March 22, 1997Full Service Brick and Mortar
    12359295Highlander Point Branch5609 Williamsburg Station Rd, Floyds Knobs, IN 47119December 22, 2000Full Service Brick and Mortar
    13446112Jeffersonville Branch2754 Allison Lane, Jeffersonville, IN 47130May 08, 2003Full Service Brick and Mortar
    14492460Salem Branch1312 Jackson Street, Salem, IN 47167December 28, 2007Full Service Brick and Mortar
    15495391Barron Ave. Branch2420 Barron Ave Ne, Lanesville, IN 47136June 29, 2009Full Service Brick and Mortar

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