The Citizens National Bank of Tell City in Tell City, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 23, 1998

  • The Citizens National Bank of Tell City in Tell City, Indiana (IN)
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The Citizens National Bank of Tell City - Overview

  • General
  • FDIC Certificate #: 4411
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Old National Bank (#4393)
    Federal Reserve ID: 713841
    Date Established: May 09, 1904
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 5 (Interstate: No)
    OTS Docket #: 10639
    FDIC's unique #: 2911
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: October 23, 1998
    Last Structure Change Process Date: December 07, 1998
    Last Data Update: December 07, 1998
    Data Source Date: April 05, 2012
  • Location
  • Address: 526-529 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: $164.9 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
  • 63Total employees (full-time equivalent)
  • $160,633Total assets
  • $4,597Cash and due from depository institutions
  • $57Interest-bearing balances
  • $48,346Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $104,086Net loans & leases
  • $1,393Loan loss allowance
  • $0Trading account assets
  • $1,771Bank premises and fixed assets
  • $49Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $1,784All other assets
  • $160,633Total liabilities and capital
  • $146,356Total liabilities
  • $141,133Total deposits
  • $130,621Interest-bearing deposits
  • $141,133Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $2,900Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $811Other borrowed funds
  • $0Subordinated debt
  • $1,511All other liabilities
  • $14,277Total equity capital
  • $14,277Total bank equity capital
  • $14,277Perpetual preferred stock
  • $0Common stock
  • $1,552Surplus
  • $3,120Undivided profits
  • Memoranda
  • $9,605Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $315Earning assets
  • $0Long-term assets (5+ years)
  • $855Average Assets, year-to-date
  • $152,489Average Assets, quarterly
  • $45,022Volatile liabilities
  • $159,063Insider loans
  • $160,527FHLB advances
  • $21,660Loans and leases held for sale
  • $1,565Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $19,985Total unused commitments
  • $0Restructured Loans and leases
  • $100,447Derivatives

Income and Expense (December 31, 1997)

  • Dollar figures in thousands
  • $12,645Total interest income
  • $6,271Total interest expense
  • $6,374Net interest income
  • $75Provision for loan and lease losses
  • $595Total noninterest income
  • $12Fiduciary activities
  • $311Service charges on deposit accounts
  • $0Trading account gains & fees
  • $272Additional noninterest income
  • $3,323Total noninterest expense
  • $1,873Salaries and employee benefits
  • $422Premises and equipment expense
  • $1,028Additional noninterest expense
  • $3,571Pre-tax net operating income
  • $0Securities gains (losses)
  • $1,206Applicable income taxes
  • $2,365Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,365Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $7Sale, conversion, retirement of capital stock, net
  • $2,998Net operating income

Performance and Condition Ratios (December 31, 1997)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.31%Yield on earning assets
  • 4.12%Cost of funding earning assets
  • 4.19%Net interest margin
  • 0.39%Noninterest income to earning assets
  • 2.18%Noninterest expense to earning assets
  • 1.49%Net operating income to assets
  • 1.49%Return on assets (ROA)
  • 2.25%Pretax return on assets
  • 16.73%Return on equity (ROE)
  • -4.48%Retained earnings to average equity (YTD only)
  • 0.01%Net charge-offs to loans
  • 1071.43%Credit loss provision to net charge-offs
  • 520.86%Efficiency ratio
  • 47,683Assets per employee
  • 2.55%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 126.77%Loss allowance to loans
  • 1.32%Loss allowance to noncurrent loans
  • 442.22%Noncurrent assets plus other real estate owned to assets
  • 0.23%Noncurrent loans to loans
  • 0.30%Net loans and leases to deposits
  • 73.75%Net loans and leases to core deposits
  • 84.50%Equity capital to assets
  • 8.89%Core capital (leverage) ratio
  • 8.68%Tier 1 risk-based capital ratio
  • 13.75%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $159,063Average earning assets
  • $14,137Average equity
  • $152,234Average loans

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