National City Bank of Southern Indiana in New Albany, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of July 22, 2006

  • National City Bank of Southern Indiana in New Albany, Indiana (IN)
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National City Bank of Southern Indiana - Overview

  • General
  • FDIC Certificate #: 13096
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: National City Bank (#6557)
    Federal Reserve ID: 303345
    Date Established: April 20, 1904
    WWW: http://www.nationalcity.com
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 12 (Interstate: No)
    FDIC's unique #: 8283
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: No
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: July 22, 2006
    Last Structure Change Process Date: August 09, 2006
    Last Data Update: August 09, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 320 Pearl Street, New Albany, IN 47150
    County: Floyd
    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)
  • Financial Summary
  • Total assets: $408.3 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, 2005)

  • Dollar figures in thousands
  • 71Total employees (full-time equivalent)
  • $408,373Total assets
  • $317,534Cash and due from depository institutions
  • $299,166Interest-bearing balances
  • $36Securities
  • $32,922Federal funds sold & reverse repurchase agreements
  • $50,247Net loans & leases
  • $599Loan loss allowance
  • $0Trading account assets
  • $3,192Bank premises and fixed assets
  • $7Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $4,435All other assets
  • $408,373Total liabilities and capital
  • $368,760Total liabilities
  • $339,049Total deposits
  • $290,510Interest-bearing deposits
  • $339,049Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $28,118Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $153Other borrowed funds
  • $0Subordinated debt
  • $1,440All other liabilities
  • $39,613Total equity capital
  • $39,613Total bank equity capital
  • $39,613Perpetual preferred stock
  • $0Common stock
  • $3,000Surplus
  • $8,238Undivided profits
  • Memoranda
  • $28,375Noncurrent loans and leases
  • $13,396Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $495Earning assets
  • $0Long-term assets (5+ years)
  • $2,935Average Assets, year-to-date
  • $382,371Average Assets, quarterly
  • $8,257Volatile liabilities
  • $394,163Insider loans
  • $398,007FHLB advances
  • $60,166Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $13,396Total unused commitments
  • $0Restructured Loans and leases
  • $602Derivatives

Income and Expense (December 31, 2005)

  • Dollar figures in thousands
  • $14,572Total interest income
  • $7,296Total interest expense
  • $7,276Net interest income
  • -$1,680Provision for loan and lease losses
  • $4,182Total noninterest income
  • $113Fiduciary activities
  • $3,413Service charges on deposit accounts
  • $0Trading account gains & fees
  • $656Additional noninterest income
  • $8,630Total noninterest expense
  • $2,978Salaries and employee benefits
  • $571Premises and equipment expense
  • $5,081Additional noninterest expense
  • $4,508Pre-tax net operating income
  • $0Securities gains (losses)
  • $1,595Applicable income taxes
  • $2,913Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,913Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $409Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2005)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.95%Yield on earning assets
  • 1.98%Cost of funding earning assets
  • 1.97%Net interest margin
  • 1.13%Noninterest income to earning assets
  • 2.34%Noninterest expense to earning assets
  • 0.74%Net operating income to assets
  • 0.74%Return on assets (ROA)
  • 1.14%Pretax return on assets
  • 7.70%Return on equity (ROE)
  • 7.70%Retained earnings to average equity (YTD only)
  • 0.67%Net charge-offs to loans
  • -410.76%Credit loss provision to net charge-offs
  • 6.91%Efficiency ratio
  • 75,319Assets per employee
  • 5.75%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.18%Loss allowance to noncurrent loans
  • 121.01%Noncurrent assets plus other real estate owned to assets
  • 0.12%Noncurrent loans to loans
  • 0.97%Net loans and leases to deposits
  • 14.82%Net loans and leases to core deposits
  • 16.36%Equity capital to assets
  • 9.70%Core capital (leverage) ratio
  • 9.89%Tier 1 risk-based capital ratio
  • 31.68%Total risk-based capital ratio
  • Memoranda
  • $32Average assets
  • $394,163Average earning assets
  • $37,836Average equity
  • $368,948Average loans

Total Fiduciary and Related Assets (December 31, 2005)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $33,444Managed Assets
  • 1Number of Accounts
  • $33,444Personal trust and agency accounts
  • $9,532Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $4,324Other retirement accounts
  • $206Corporate trust and agency accounts
  • $15,696Investment management agency accounts
  • $3,686Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 31Number 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
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

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