The Campbell & Fetter Bank in Kendallville, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • The Campbell & Fetter Bank in Kendallville, Indiana (IN)
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The Campbell & Fetter Bank routing number info

The Campbell & Fetter Bank - Overview

  • General
  • FDIC Certificate #: 16757
    Status: Active
    Federal Reserve ID: 398248
    Bank Holding Company (Regulatory Top Holder): C&F Banc Shares Corporation (RSSDID: 1203901, Location: Kendallville, IN)
    Date Established: January 01, 1863
    WWW: http://www.campbellfetterbank.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 9 (Domestic: 9, Interstate: No)
    OTS Docket #: 10677
    FDIC's unique #: 10872
    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 03, 1949
    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: 126 S. Orchard Street, Kendallville, IN 46755
    County: Noble
    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
    Combined Statistical Area (CSA): Fort Wayne-Huntington-Auburn, IN (#258)
    Core Based Statistical Area (CBSA): Kendallville, IN (#28340)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Location
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $274.3 mil
    Equity capital: $29.8 mil
    Deposits held in domestic offices: $178.8 mil
    Return on assets (ROA): 0.68% ($1.9 mil)
    Quarterly return on assets: 0.58% ($1.6 mil)
    Return on Equity (ROE): 6.37% ($1.9 mil)
    Quarterly return on equity: 5.31% ($1.6 mil)
    Net income: $1.8 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 0.84% ($2,304.2 mil)
    Quarterly Pretax return on assets: 0.74% ($2,029.9 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
  • 63Total employees (full-time equivalent)
  • $274,308Total assets
  • $34,081Cash and due from depository institutions
  • $31,538Interest-bearing balances
  • $110,579Securities
  • $309Federal funds sold & reverse repurchase agreements
  • $121,026Net loans & leases
  • $1,514Loan loss allowance
  • $0Trading account assets
  • $1,230Bank premises and fixed assets
  • $492Other real estate owned
  • $81Goodwill and other intangibles
  • $274,308Life insurance assets
  • $6,510All other assets
  • $244,469Total liabilities and capital
  • $178,769Total liabilities
  • $135,685Total deposits
  • $178,769Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 31869.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $31,400Trading liabilities
  • $0Other borrowed funds
  • $2,431Subordinated debt
  • $29,839All other liabilities
  • $29,839Total equity capital
  • $29,839Total bank equity capital
  • $0Perpetual preferred stock
  • $651Common stock
  • $5,850Surplus
  • $23,338Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $134Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $781Income earned, not collected on loans
  • $0Earning assets
  • $1,375Long-term assets (5+ years)
  • $263,452Average Assets, year-to-date
  • $106,873Average Assets, quarterly
  • $267,142Volatile liabilities
  • $271,002Insider loans
  • $116,964FHLB advances
  • $269,700Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $29,284Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $24,913Restructured Loans and leases
  • $7,630Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $9,747Total interest income
  • $2,228Total interest expense
  • $7,519Net interest income
  • $263Provision for loan and lease losses
  • $1,014Total noninterest income
  • $0Fiduciary activities
  • $526Service charges on deposit accounts
  • $0Trading account gains & fees
  • $488Additional noninterest income
  • $6,025Total noninterest expense
  • $3,197Salaries and employee benefits
  • $1,363Premises and equipment expense
  • $1,465Additional noninterest expense
  • $2,245Pre-tax net operating income
  • $0Securities gains (losses)
  • $425Applicable income taxes
  • $1,820Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,820Net income attributable to bank
  • $0Net charge-offs
  • $1,820Cash dividends
  • $263Sale, conversion, retirement of capital stock, net
  • $1,302Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.81%Yield on earning assets
  • 0.87%Cost of funding earning assets
  • 2.94%Net interest margin
  • 0.40%Noninterest income to earning assets
  • 2.36%Noninterest expense to earning assets
  • 0.68%Net operating income to assets
  • 0.68%Return on assets (ROA)
  • 0.84%Pretax return on assets
  • 6.37%Return on equity (ROE)
  • 1.81%Retained earnings to average equity (YTD only)
  • 0.21%Net charge-offs to loans
  • 100.00%Credit loss provision to net charge-offs
  • 9.54%Efficiency ratio
  • 70,608Assets per employee
  • 4.35%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 71.54%Loss allowance to loans
  • 1.24%Loss allowance to noncurrent loans
  • 193.85%Noncurrent assets plus other real estate owned to assets
  • 0.46%Noncurrent loans to loans
  • 0.64%Net loans and leases to deposits
  • 67.70%Net loans and leases to core deposits
  • 70.02%Equity capital to assets
  • 10.88%Core capital (leverage) ratio
  • 10.86%Tier 1 risk-based capital ratio
  • 25.04%Total risk-based capital ratio
  • Memoranda
  • $26Average assets
  • $267,142Average earning assets
  • $28,577Average equity
  • $255,745Average loans

List of branches

  • 9 Indiana Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    010872The Campbell & Fetter Bank126 S. Orchard Street, Kendallville, IN 46755January 01, 1863Full Service Brick and Mortar
    1238719C & F Branch North135 East North Street, Kendallville, IN 46755January 21, 1974Full Service Brick and Mortar
    2238720Ligonier Branch901 Lincolnway South, Ligonier, IN 46767October 01, 1982Full Service Brick and Mortar
    32827Albion Main Branch304 South Orange Street, Albion, IN 46701October 11, 1907Full Service Brick and Mortar
    5238721Auburn Branch1001 West Seventh Street, Auburn, IN 46706October 15, 1985Full Service Brick and Mortar
    6238722Warsaw BranchU.S. Highway 30 And Center Street, Warsaw, IN 46580November 10, 1986Full Service Brick and Mortar
    7238723Goshen Branch2023 Lincolnway East, Goshen, IN 46526June 15, 1989Full Service Brick and Mortar
    8238724Angola Branch1440 North Wayne Street, Angola, IN 46703November 29, 1995Full Service Brick and Mortar
    9238725Fort Wayne Branch229 West Berry Street, Suite 200, Fort Wayne, IN 46801January 24, 2000Full Service Brick and Mortar

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