FDIC Certificate #: 58215 Status: Active Federal Reserve ID: 3441480 Date Established: May 01, 2006 WWW:http://www.insightbank.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 442540 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: May 01, 2006 Last Structure Change Effective Date: June 01, 2009 Last Structure Change Process Date: June 26, 2009 Last Data Update: June 26, 2009 Data Source Date: April 05, 2012
Location
Address: 8760 Orion Place, First Floor, Columbus, OH 43240 County: Franklin Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Chicago FDIC Field Office: Columbus Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: Central Metropolitan Statistical Area (MSA): Columbus, OH (#1840) Combined Statistical Area (CSA): Columbus-Marion-Chillicothe, OH (#198) Core Based Statistical Area (CBSA): Columbus, OH (#18140) CBSA Metro Statistical Area: Columbus, OH (#18140)
Financial Summary
Total assets: $157.3 mil Equity capital: $21.4 mil Deposits held in domestic offices: $125.3 mil Return on assets (ROA): 1.12% ($1.8 mil) Quarterly return on assets: 0.87% ($1.4 mil) Return on Equity (ROE): 9.05% ($1.9 mil) Quarterly return on equity: 6.32% ($1.3 mil) Net income: $1.6 mil Quarterly Net income: $0.3 mil Pretax return on assets: 1.23% ($1,934.6 mil) Quarterly Pretax return on assets: 1.34% ($2,107.6 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ 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)
$157,283Total assets
$25,154Cash and due from depository institutions
$23,467Interest-bearing balances
$0Securities
$0Federal funds sold & reverse repurchase agreements
$127,526Net loans & leases
$2,013Loan loss allowance
$0Trading account assets
$2,295Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$157,283Life insurance assets
$2,308All other assets
$135,904Total liabilities and capital
$125,315Total liabilities
$105,405Total deposits
$125,315Interest-bearing deposits
$88Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$10,000Trading liabilities
$0Other borrowed funds
$589Subordinated debt
$21,379All other liabilities
$21,379Total equity capital
$21,379Total bank equity capital
$4,250Perpetual preferred stock
$1,630Common stock
$15,321Surplus
$178Undivided profits
Memoranda
$0Noncurrent loans and leases
$2,529Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$933Income earned, not collected on loans
$0Earning assets
$412Long-term assets (5+ years)
$150,993Average Assets, year-to-date
$11,226Average Assets, quarterly
$145,212Volatile liabilities
$154,302Insider loans
$110,041FHLB advances
$156,893Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$21,379Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$16,423Restructured Loans and leases
$9,023Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$7,070Total interest income
$1,478Total interest expense
$5,592Net interest income
$433Provision for loan and lease losses
$1,818Total noninterest income
$0Fiduciary activities
$47Service charges on deposit accounts
$0Trading account gains & fees
$1,771Additional noninterest income
$5,192Total noninterest expense
$3,634Salaries and employee benefits
$317Premises and equipment expense
$1,241Additional noninterest expense
$1,785Pre-tax net operating income
$0Securities gains (losses)
$160Applicable income taxes
$1,625Income before extraordinary items
$0Extraordinary gains - net
$1,625Net income attributable to bank
$0Net charge-offs
$1,625Cash dividends
$0Sale, conversion, retirement of capital stock, net
$19Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.08%Yield on earning assets
1.06%Cost of funding earning assets
4.02%Net interest margin
1.31%Noninterest income to earning assets
3.73%Noninterest expense to earning assets
1.12%Net operating income to assets
1.12%Return on assets (ROA)
1.23%Pretax return on assets
9.05%Return on equity (ROE)
8.95%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
70,067Assets per employee
3.93%Cash dividends to net income (YTD only)
Condition Ratios (%)
1.17%Loss allowance to loans
1.55%Loss allowance to noncurrent loans
215.76%Noncurrent assets plus other real estate owned to assets
0.59%Noncurrent loans to loans
0.72%Net loans and leases to deposits
101.76%Net loans and leases to core deposits
128.51%Equity capital to assets
13.59%Core capital (leverage) ratio
13.63%Tier 1 risk-based capital ratio
19.43%Total risk-based capital ratio
Memoranda
$21Average assets
$145,212Average earning assets
$17,952Average equity
$139,181Average loans
List of branches
1 Ohio Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
442540
Insight Bank
8760 Orion Place, First Floor, Columbus, OH 43240
May 01, 2006
Full Service Brick and Mortar
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