TCB Bank in Tell City, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of September 12, 1998

  • TCB Bank in Tell City, Indiana (IN)
  • Show street view No street view available for this location

TCB Bank - Overview

  • General
  • FDIC Certificate #: 4412
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Citizens Bank of Southern Indiana (#22674)
    Federal Reserve ID: 946649
    Date Established: October 10, 1874
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 6 (Interstate: No)
    OTS Docket #: 10093
    FDIC's unique #: 2912
    Numeric code: 13
    Regulator: FED
    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: January 01, 1934
    Last Structure Change Effective Date: September 12, 1998
    Last Structure Change Process Date: November 05, 1998
    Last Data Update: November 05, 1998
    Data Source Date: April 05, 2012
  • Location
  • Address: 601 Main Street, Tell City, IN 47586
    County: Perry
    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
  • Financial Summary
  • Total assets: $194.0 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
  • 93Total employees (full-time equivalent)
  • $191,676Total assets
  • $4,957Cash and due from depository institutions
  • $527Interest-bearing balances
  • $40,406Securities
  • $2,350Federal funds sold & reverse repurchase agreements
  • $136,675Net loans & leases
  • $1,968Loan loss allowance
  • $0Trading account assets
  • $2,413Bank premises and fixed assets
  • $0Other real estate owned
  • $2,015Goodwill and other intangibles
  • $0Life insurance assets
  • $2,860All other assets
  • $191,676Total liabilities and capital
  • $174,257Total liabilities
  • $155,811Total deposits
  • $139,331Interest-bearing deposits
  • $155,811Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $6,761Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $9,528Other borrowed funds
  • $0Subordinated debt
  • $2,157All other liabilities
  • $17,419Total equity capital
  • $17,419Total bank equity capital
  • $17,419Perpetual preferred stock
  • $0Common stock
  • $440Surplus
  • $3,662Undivided profits
  • Memoranda
  • $13,317Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $450Earning assets
  • $0Long-term assets (5+ years)
  • $780Average Assets, year-to-date
  • $179,958Average Assets, quarterly
  • $47,210Volatile liabilities
  • $188,276Insider loans
  • $190,132FHLB advances
  • $29,574Loans and leases held for sale
  • $5,373Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $23,516Total unused commitments
  • $0Restructured Loans and leases
  • $132,002Derivatives

Income and Expense (December 31, 1997)

  • Dollar figures in thousands
  • $14,985Total interest income
  • $7,421Total interest expense
  • $7,564Net interest income
  • $413Provision for loan and lease losses
  • $1,562Total noninterest income
  • $75Fiduciary activities
  • $402Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,085Additional noninterest income
  • $5,288Total noninterest expense
  • $2,922Salaries and employee benefits
  • $954Premises and equipment expense
  • $1,412Additional noninterest expense
  • $3,425Pre-tax net operating income
  • -$8Securities gains (losses)
  • $1,234Applicable income taxes
  • $2,183Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,183Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $288Sale, conversion, retirement of capital stock, net
  • $1,512Net operating income

Performance and Condition Ratios (December 31, 1997)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.52%Yield on earning assets
  • 4.22%Cost of funding earning assets
  • 4.30%Net interest margin
  • 0.89%Noninterest income to earning assets
  • 3.01%Noninterest expense to earning assets
  • 1.16%Net operating income to assets
  • 1.16%Return on assets (ROA)
  • 1.81%Pretax return on assets
  • 12.96%Return on equity (ROE)
  • 3.98%Retained earnings to average equity (YTD only)
  • 0.21%Net charge-offs to loans
  • 143.40%Credit loss provision to net charge-offs
  • 13.33%Efficiency ratio
  • 55,216Assets per employee
  • 2.06%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 69.26%Loss allowance to loans
  • 1.42%Loss allowance to noncurrent loans
  • 437.33%Noncurrent assets plus other real estate owned to assets
  • 0.23%Noncurrent loans to loans
  • 0.32%Net loans and leases to deposits
  • 87.72%Net loans and leases to core deposits
  • 101.00%Equity capital to assets
  • 9.09%Core capital (leverage) ratio
  • 8.16%Tier 1 risk-based capital ratio
  • 11.56%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $188,276Average earning assets
  • $16,840Average equity
  • $175,905Average loans

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