First National Bank in city_name, state_name - Detailed Financial Reports, Location

First National Bank in Cloverdale, Indiana (IN)
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First National Bank - Overview

General
FDIC Certificate #: 4324
Status: Active
Federal Reserve ID: 60648
Bank Holding Company (Regulatory Top Holder): First National Bank Corp (RSSDID: 1137529, Location: Cloverdale, IN)
Date Established: January 01, 1913
WWW: http://www.fnb-bank.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: 7 (Domestic: 7, Interstate: No)
OTS Docket #: 12241
FDIC's unique #: 2837
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: All Other Specialization < 1 Billion
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: 302 South Main Street, Cloverdale, IN 46120
County: Putnam
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): Indianapolis-Anderson-Columbus, IN (#294)
Core Based Statistical Area (CBSA): Indianapolis-Carmel, IN (#26900)
CBSA Metro Statistical Area: Indianapolis-Carmel, IN (#26900)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $247.5 mil
Equity capital: $22.2 mil
Deposits held in domestic offices: $223.7 mil
Return on assets (ROA): 0.40% ($1.0 mil)
Quarterly return on assets: 0.49% ($1.2 mil)
Return on Equity (ROE): 4.40% ($1.0 mil)
Quarterly return on equity: 5.35% ($1.2 mil)
Net income: $1.0 mil
Quarterly Net income: $0.3 mil
Pretax return on assets: 0.51% ($1,262.1 mil)
Quarterly Pretax return on assets: 0.66% ($1,633.4 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
71Total employees (full-time equivalent)
$247,480Total assets
$66,344Cash and due from depository institutions
$54,294Interest-bearing balances
$13,531Securities
$39Federal funds sold & reverse repurchase agreements
$155,381Net loans & leases
$3,191Loan loss allowance
$0Trading account assets
$5,450Bank premises and fixed assets
$0Other real estate owned
$467Goodwill and other intangibles
$247,480Life insurance assets
$6,268All other assets
$225,273Total liabilities and capital
$223,677Total liabilities
$186,541Total deposits
$223,677Interest-bearing deposits
$81Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$1,596Subordinated debt
$22,207All other liabilities
$22,207Total equity capital
$22,207Total bank equity capital
$0Perpetual preferred stock
$540Common stock
$2,200Surplus
$19,467Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$3,295Income earned, not collected on loans
$155Earning assets
$701Long-term assets (5+ years)
$223,245Average Assets, year-to-date
$44,288Average Assets, quarterly
$239,430Volatile liabilities
$242,892Insider loans
$139,699FHLB advances
$241,031Loans and leases held for sale
$2,942Unused loan commitments
$2,069Tier 1 (core) risk-based capital
$22,133Tier 2 risk-based capital
$0Total risk weighted assets
$873Total unused commitments
$18,610Restructured Loans and leases
$679Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$9,206Total interest income
$2,194Total interest expense
$7,012Net interest income
$1,075Provision for loan and lease losses
$1,572Total noninterest income
$52Fiduciary activities
$602Service charges on deposit accounts
$0Trading account gains & fees
$918Additional noninterest income
$7,122Total noninterest expense
$3,674Salaries and employee benefits
$1,376Premises and equipment expense
$2,072Additional noninterest expense
$387Pre-tax net operating income
$828Securities gains (losses)
$258Applicable income taxes
$957Income before extraordinary items
$0Extraordinary gains - net
$957Net income attributable to bank
$0Net charge-offs
$957Cash dividends
$1,132Sale, conversion, retirement of capital stock, net
$52Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.18%Yield on earning assets
1.00%Cost of funding earning assets
3.18%Net interest margin
0.71%Noninterest income to earning assets
3.23%Noninterest expense to earning assets
0.13%Net operating income to assets
0.40%Return on assets (ROA)
0.51%Pretax return on assets
4.40%Return on equity (ROE)
4.16%Retained earnings to average equity (YTD only)
0.72%Net charge-offs to loans
94.96%Credit loss provision to net charge-offs
1.29%Efficiency ratio
82,968Assets per employee
3.49%Cash dividends to net income (YTD only)
Condition Ratios (%)
5.43%Loss allowance to loans
2.01%Loss allowance to noncurrent loans
96.84%Noncurrent assets plus other real estate owned to assets
1.33%Noncurrent loans to loans
2.08%Net loans and leases to deposits
69.47%Net loans and leases to core deposits
71.66%Equity capital to assets
8.97%Core capital (leverage) ratio
9.18%Tier 1 risk-based capital ratio
15.84%Total risk-based capital ratio
Memoranda
$17Average assets
$239,430Average earning assets
$21,739Average equity
$220,317Average 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
$27,074Managed Assets
1Number of Accounts
$2,840Personal trust and agency accounts
$2,840Employee 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
217Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$24,234Other retirement accounts
$11,484Corporate trust and agency accounts
$2,915Other fiduciary accounts
$8,042Fiduciary accounts held in foreign offices

List of branches

7 Indiana Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	2837	First National Bank	302 South Main Street, Cloverdale, IN 46120	January 01, 1913	Full Service Brick and Mortar
1	203035	Stardust Road Branch	U.S. 231 North At Stardust Road, Cloverdale, IN 46120	May 09, 1988	Full Service Brick and Mortar
2	203036	Franklin Branch	1701 East King Street, Franklin, IN 46131	April 08, 1991	Full Service Brick and Mortar
3	203037	Greencastle Branch	1128 Indianapolis Road, Greencastle, IN 46135	October 16, 1995	Full Service Brick and Mortar
4	203038	Coatesville Branch	4922 South State Road 75, Coatesville, IN 46121	April 29, 1996	Full Service Brick and Mortar
5	203039	Belleville Branch	1627 E. U.S. Hwy 40, Belleville, IN 46118	March 02, 1998	Full Service Brick and Mortar
7	365787	Plainfield Branch	101 West Main Street, Plainfield, IN 46168	December 02, 2002	Full Service Brick and Mortar

First National Bank in Cloverdale, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches

First National Bank - 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:

First National Bank in Cloverdale, Indiana (IN)Overview, Financial Summary, Detailed Financial Reports, Branches

First National Bank - 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:

First National Bank in Cloverdale, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches