Fowler State Bank in city_name, state_name - Detailed Financial Reports, Location

Fowler State Bank in Fowler, Indiana (IN)
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Fowler State Bank routing number info

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Fowler State Bank - Overview

General
FDIC Certificate #: 1821
Status: Active
Federal Reserve ID: 554343
Bank Holding Company (Regulatory Top Holder): Benton Financial Corporation (RSSDID: 1130762, Location: Fowler, IN)
Date Established: December 14, 1931
WWW: http://www.fowlerstatebank.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 4 (Domestic: 4, Interstate: No)
OTS Docket #: 9375
FDIC's unique #: 1211
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Agricultural lending institution: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: Agricultural 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: 300 East 5th Street, Fowler, IN 47944
County: Benton
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): Lafayette-Frankfort, IN (#320)
Core Based Statistical Area (CBSA): Lafayette, IN (#29140)
CBSA Metro Statistical Area: Lafayette, IN (#29140)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $132.4 mil
Equity capital: $17.9 mil
Deposits held in domestic offices: $91.3 mil
Return on assets (ROA): 1.25% ($1.6 mil)
Quarterly return on assets: 1.46% ($1.9 mil)
Return on Equity (ROE): 9.90% ($1.8 mil)
Quarterly return on equity: 10.80% ($1.9 mil)
Net income: $1.7 mil
Quarterly Net income: $0.5 mil
Pretax return on assets: 1.78% ($2,356.4 mil)
Quarterly Pretax return on assets: 1.87% ($2,475.6 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
40Total employees (full-time equivalent)
$132,383Total assets
$5,258Cash and due from depository institutions
$156Interest-bearing balances
$53,509Securities
$0Federal funds sold & reverse repurchase agreements
$69,135Net loans & leases
$1,821Loan loss allowance
$0Trading account assets
$633Bank premises and fixed assets
$755Other real estate owned
$0Goodwill and other intangibles
$132,383Life insurance assets
$3,093All other assets
$114,521Total liabilities and capital
$91,274Total liabilities
$84,722Total deposits
$91,274Interest-bearing deposits
$87Deposits held in domestic offices
2000.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$20,500Trading liabilities
$0Other borrowed funds
$747Subordinated debt
$17,862All other liabilities
$17,862Total equity capital
$17,862Total bank equity capital
$0Perpetual preferred stock
$1,800Common stock
$3,200Surplus
$12,862Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$771Income earned, not collected on loans
$0Earning assets
$1,456Long-term assets (5+ years)
$122,800Average Assets, year-to-date
$51,261Average Assets, quarterly
$132,090Volatile liabilities
$130,989Insider loans
$90,406FHLB advances
$133,047Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$16,447Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$18,273Restructured Loans and leases
$2,495Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$6,810Total interest income
$1,315Total interest expense
$5,495Net interest income
$257Provision for loan and lease losses
$544Total noninterest income
$91Fiduciary activities
$299Service charges on deposit accounts
$23Trading account gains & fees
$131Additional noninterest income
$3,809Total noninterest expense
$2,256Salaries and employee benefits
$409Premises and equipment expense
$1,144Additional noninterest expense
$1,973Pre-tax net operating income
$378Securities gains (losses)
$699Applicable income taxes
$1,652Income before extraordinary items
$0Extraordinary gains - net
$1,652Net income attributable to bank
$0Net charge-offs
$1,652Cash dividends
$148Sale, conversion, retirement of capital stock, net
$535Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.45%Yield on earning assets
1.05%Cost of funding earning assets
4.40%Net interest margin
0.44%Noninterest income to earning assets
3.05%Noninterest expense to earning assets
1.05%Net operating income to assets
1.25%Return on assets (ROA)
1.78%Pretax return on assets
9.90%Return on equity (ROE)
6.69%Retained earnings to average equity (YTD only)
0.21%Net charge-offs to loans
173.65%Credit loss provision to net charge-offs
15.07%Efficiency ratio
63,073Assets per employee
3.31%Cash dividends to net income (YTD only)
Condition Ratios (%)
32.38%Loss allowance to loans
2.57%Loss allowance to noncurrent loans
236.19%Noncurrent assets plus other real estate owned to assets
1.15%Noncurrent loans to loans
1.09%Net loans and leases to deposits
75.74%Net loans and leases to core deposits
76.24%Equity capital to assets
13.49%Core capital (leverage) ratio
12.36%Tier 1 risk-based capital ratio
18.19%Total risk-based capital ratio
Memoranda
$19Average assets
$132,090Average earning assets
$16,688Average equity
$124,907Average 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
$56,619Managed Assets
1Number of Accounts
$48,156Personal trust and agency accounts
$42,813Employee benefit-defined contribution accounts
$5,343Employee 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
355Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$8,463Other retirement accounts
$25Corporate trust and agency accounts
$0Other fiduciary accounts
$8,438Fiduciary accounts held in foreign offices

List of branches

4 Indiana Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	1211	Fowler State Bank	300 East 5th Street, Fowler, IN 47944	December 14, 1931	Full Service Brick and Mortar
1	190190	Grant Avenue Branch	402-406 South Grant Avenue, Fowler, IN 47944	August 27, 1975	Full Service Brick and Mortar
2	190191	Williamsport Branch	510 State Road 28, Williamsport, IN 47993	January 23, 1991	Full Service Brick and Mortar
4	363795	Kentland Branch	607 E. Lincoln Street, Kentland, IN 47951	May 21, 2002	Full Service Brick and Mortar

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

Fowler State 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:

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

Fowler State 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:

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