FDIC Certificate #: 21645 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Stock Yards Bank & Trust Company (#258) Federal Reserve ID: 1847 Date Established: May 01, 1909 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Interstate: No) FDIC's unique #: 14979 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes State Chartered: Yes Date of Deposit Insurance: June 19, 1974 Last Structure Change Effective Date: May 29, 1998 Last Structure Change Process Date: June 10, 1998 Last Data Update: June 10, 1998 Data Source Date: April 05, 2012
Location
Address: 55 South Highway 31, Austin, IN 47102 County: Scott Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Dallas 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): Scottsburg, IN (#42500) CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $25.9 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Assets and Liabilities (December 31, 1997)
Dollar figures in thousands
4Total employees (full-time equivalent)
$19,589Total assets
$1,549Cash and due from depository institutions
$0Interest-bearing balances
$6,436Securities
$6,000Federal funds sold & reverse repurchase agreements
$3,929Net loans & leases
$4Loan loss allowance
$0Trading account assets
$552Bank premises and fixed assets
$0Other real estate owned
$960Goodwill and other intangibles
$0Life insurance assets
$163All other assets
$19,589Total liabilities and capital
$16,780Total liabilities
$13,397Total deposits
$8,241Interest-bearing deposits
$13,397Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$3,310Other borrowed funds
$0Subordinated debt
$73All other liabilities
$2,809Total equity capital
$2,809Total bank equity capital
$2,809Perpetual preferred stock
$0Common stock
$25Surplus
$2,778Undivided profits
Memoranda
$6Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$7Earning assets
$0Long-term assets (5+ years)
$25Average Assets, year-to-date
$16,365Average Assets, quarterly
$157Volatile liabilities
$14,181Insider loans
$16,468FHLB advances
$4,000Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$88Total unused commitments
$0Restructured Loans and leases
$6,052Derivatives
Income and Expense (December 31, 1997)
Dollar figures in thousands
$667Total interest income
$240Total interest expense
$427Net interest income
$0Provision for loan and lease losses
$37Total noninterest income
$0Fiduciary activities
$33Service charges on deposit accounts
$0Trading account gains & fees
$4Additional noninterest income
$457Total noninterest expense
$158Salaries and employee benefits
$70Premises and equipment expense
$229Additional noninterest expense
$7Pre-tax net operating income
-$2Securities gains (losses)
$11Applicable income taxes
-$6Income before extraordinary items
$0Extraordinary gains - net
-$6Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$7Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 1997)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.05%Yield on earning assets
2.18%Cost of funding earning assets
3.87%Net interest margin
0.34%Noninterest income to earning assets
4.14%Noninterest expense to earning assets
-0.03%Net operating income to assets
-0.04%Return on assets (ROA)
0.04%Pretax return on assets
-0.21%Return on equity (ROE)
-0.21%Retained earnings to average equity (YTD only)
0.56%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
1.00%Efficiency ratio
83,621Assets per employee
4.90%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.10%Loss allowance to noncurrent loans
57.14%Noncurrent assets plus other real estate owned to assets
0.04%Noncurrent loans to loans
0.18%Net loans and leases to deposits
29.33%Net loans and leases to core deposits
30.92%Equity capital to assets
14.34%Core capital (leverage) ratio
12.33%Tier 1 risk-based capital ratio
30.22%Total risk-based capital ratio
Memoranda
$30Average assets
$14,181Average earning assets
$2,805Average equity
$11,026Average loans
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