Pacesetter Bank in city_name, state_name - Detailed Financial Reports, Location

Pacesetter Bank in Hartford City, Indiana (IN)
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Pacesetter Bank routing number info

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Pacesetter Bank - Overview

General
FDIC Certificate #: 19340
Status: Active
Federal Reserve ID: 242248
Bank Holding Company (Regulatory Top Holder): Town Financial Corporation (RSSDID: 1200405, Location: Hartford City, IN)
Date Established: January 04, 1965
WWW: http://www.pacesetter-bank.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 7 (Domestic: 7, Interstate: No)
OTS Docket #: 11736
FDIC's unique #: 13151
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: All Other Specialization < 1 Billion
Date of Deposit Insurance: January 04, 1965
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: 1515 North Walnut Street, Hartford City, IN 47348
County: Blackford
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
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $114.7 mil
Equity capital: $13.7 mil
Deposits held in domestic offices: $100.4 mil
Return on assets (ROA): 0.45% ($0.5 mil)
Quarterly return on assets: 0.27% ($0.3 mil)
Return on Equity (ROE): 3.73% ($0.5 mil)
Quarterly return on equity: 2.25% ($0.3 mil)
Net income: $0.5 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: 0.64% ($734.2 mil)
Quarterly Pretax return on assets: 0.34% ($390.0 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
46Total employees (full-time equivalent)
$114,713Total assets
$12,926Cash and due from depository institutions
$7,006Interest-bearing balances
$19,320Securities
$0Federal funds sold & reverse repurchase agreements
$75,404Net loans & leases
$1,062Loan loss allowance
$0Trading account assets
$1,739Bank premises and fixed assets
$115Other real estate owned
$0Goodwill and other intangibles
$114,713Life insurance assets
$5,209All other assets
$101,032Total liabilities and capital
$100,417Total liabilities
$82,589Total deposits
$100,417Interest-bearing deposits
$96Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$615Subordinated debt
$13,681All other liabilities
$13,681Total equity capital
$13,681Total bank equity capital
$0Perpetual preferred stock
$830Common stock
$2,100Surplus
$10,751Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$989Income earned, not collected on loans
$0Earning assets
$414Long-term assets (5+ years)
$101,730Average Assets, year-to-date
$38,168Average Assets, quarterly
$112,292Volatile liabilities
$113,579Insider loans
$72,240FHLB advances
$114,577Loans and leases held for sale
$3,583Unused loan commitments
$3,583Tier 1 (core) risk-based capital
$13,583Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$14,972Restructured Loans and leases
$715Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$4,826Total interest income
$689Total interest expense
$4,137Net interest income
$380Provision for loan and lease losses
$1,165Total noninterest income
$27Fiduciary activities
$470Service charges on deposit accounts
$0Trading account gains & fees
$668Additional noninterest income
$4,198Total noninterest expense
$1,916Salaries and employee benefits
$495Premises and equipment expense
$1,787Additional noninterest expense
$724Pre-tax net operating income
$0Securities gains (losses)
$217Applicable income taxes
$507Income before extraordinary items
$0Extraordinary gains - net
$507Net income attributable to bank
$0Net charge-offs
$507Cash dividends
$257Sale, conversion, retirement of capital stock, net
$331Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.78%Yield on earning assets
0.68%Cost of funding earning assets
4.10%Net interest margin
1.15%Noninterest income to earning assets
4.16%Noninterest expense to earning assets
0.45%Net operating income to assets
0.45%Return on assets (ROA)
0.64%Pretax return on assets
3.73%Return on equity (ROE)
1.30%Retained earnings to average equity (YTD only)
0.34%Net charge-offs to loans
147.86%Credit loss provision to net charge-offs
4.30%Efficiency ratio
79,178Assets per employee
2.49%Cash dividends to net income (YTD only)
Condition Ratios (%)
65.29%Loss allowance to loans
1.39%Loss allowance to noncurrent loans
107.38%Noncurrent assets plus other real estate owned to assets
0.96%Noncurrent loans to loans
1.29%Net loans and leases to deposits
75.09%Net loans and leases to core deposits
77.25%Equity capital to assets
11.93%Core capital (leverage) ratio
11.85%Tier 1 risk-based capital ratio
18.80%Total risk-based capital ratio
Memoranda
$20Average assets
$112,292Average earning assets
$13,575Average equity
$100,927Average 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
$4,121Managed Assets
1Number of Accounts
$2,050Personal trust and agency accounts
$1,908Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$142Investment management agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
45Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$2,071Other retirement accounts
$0Corporate trust and agency accounts
$0Other fiduciary accounts
$1,014Fiduciary accounts held in foreign offices

List of branches

7 Indiana Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	13151	Pacesetter Bank	1515 North Walnut Street, Hartford City, IN 47348	January 04, 1965	Full Service Brick and Mortar
4	277575	714 North Main Street Branch	714 North Main Street, Dunkirk, IN 47336	January 01, 1919	Full Service Brick and Mortar
5	277576	204 West Oak Street Branch	204 West Oak Street, Union City, IN 47390	January 01, 1919	Full Service Brick and Mortar
6	277577	106 East Berry Street Branch	106 East Berry Street, Upland, IN 46989	January 01, 1919	Full Service Brick and Mortar
7	277578	Washington Street Branch	222 West Washington Street, Hartford City, IN 47348	April 07, 1997	Limited Service Facility
8	9973	110 South Main Street Branch	110 South Main Street, Montpelier, IN 47359	December 20, 1939	Full Service Brick and Mortar
9	235061	North Meridan Street Branch	1221 North Meridan Street, Portland, IN 47371	March 07, 1990	Full Service Brick and Mortar

Pacesetter Bank in Hartford City, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches

Pacesetter 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:

Pacesetter Bank in Hartford City, Indiana (IN)Overview, Financial Summary, Detailed Financial Reports, Branches

Pacesetter 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:

Pacesetter Bank in Hartford City, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches