The Elberfeld State Bank in city_name, state_name - Detailed Financial Reports, Location

The Elberfeld State Bank in Elberfeld, Indiana (IN)
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The Elberfeld State Bank routing number info

The Elberfeld State Bank - Overview

General
FDIC Certificate #: 13104
Status: Active
Federal Reserve ID: 16748
Bank Holding Company (Regulatory Top Holder): Esb Bancorp, Inc. (RSSDID: 3105568, Location: Elberfeld, IN)
Date Established: July 25, 1905
WWW: http://www.esbanc.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 2 (Domestic: 2, Interstate: No)
OTS Docket #: 13385
FDIC's unique #: 8289
Numeric code: 13
Regulator: FED
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Agricultural lending institution: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: Agricultural Specialization
Date of Deposit Insurance: January 01, 1934
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: 55 Main Street, Elberfeld, IN 47613
County: Warrick
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
Metropolitan Statistical Area (MSA): Evansville-Henderson, IN-KY (#2440)
Core Based Statistical Area (CBSA): Evansville, IN-KY (#21780)
CBSA Metro Statistical Area: Evansville, IN-KY (#21780)
History of Changes
Change in Location
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $57.2 mil
Equity capital: $6.6 mil
Deposits held in domestic offices: $50.0 mil
Return on assets (ROA): 0.99% ($0.6 mil)
Quarterly return on assets: 1.08% ($0.6 mil)
Return on Equity (ROE): 9.03% ($0.6 mil)
Quarterly return on equity: 9.41% ($0.7 mil)
Net income: $0.6 mil
Quarterly Net income: $0.2 mil
Pretax return on assets: 1.29% ($737.3 mil)
Quarterly Pretax return on assets: 1.43% ($817.3 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
16Total employees (full-time equivalent)
$57,155Total assets
$7,108Cash and due from depository institutions
$2,994Interest-bearing balances
$18,087Securities
$65Federal funds sold & reverse repurchase agreements
$27,688Net loans & leases
$449Loan loss allowance
$0Trading account assets
$1,472Bank premises and fixed assets
$22Other real estate owned
$371Goodwill and other intangibles
$57,155Life insurance assets
$2,342All other assets
$50,537Total liabilities and capital
$50,037Total liabilities
$36,728Total deposits
$50,037Interest-bearing deposits
$97Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$500Subordinated debt
$6,618All other liabilities
$6,618Total equity capital
$6,618Total bank equity capital
$0Perpetual preferred stock
$400Common stock
$2,600Surplus
$3,618Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$130Income earned, not collected on loans
$0Earning assets
$431Long-term assets (5+ years)
$48,834Average Assets, year-to-date
$18,541Average Assets, quarterly
$58,322Volatile liabilities
$57,444Insider loans
$30,894FHLB advances
$56,474Loans and leases held for sale
$1,458Unused loan commitments
$1,458Tier 1 (core) risk-based capital
$6,334Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$6,124Restructured Loans and leases
$1,637Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$2,434Total interest income
$457Total interest expense
$1,977Net interest income
$30Provision for loan and lease losses
$566Total noninterest income
$0Fiduciary activities
$144Service charges on deposit accounts
$0Trading account gains & fees
$422Additional noninterest income
$1,768Total noninterest expense
$941Salaries and employee benefits
$173Premises and equipment expense
$654Additional noninterest expense
$745Pre-tax net operating income
$7Securities gains (losses)
$174Applicable income taxes
$578Income before extraordinary items
$0Extraordinary gains - net
$578Net income attributable to bank
$0Net charge-offs
$578Cash dividends
$38Sale, conversion, retirement of capital stock, net
$119Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.72%Yield on earning assets
0.89%Cost of funding earning assets
3.83%Net interest margin
1.10%Noninterest income to earning assets
3.43%Noninterest expense to earning assets
0.98%Net operating income to assets
0.99%Return on assets (ROA)
1.29%Pretax return on assets
9.03%Return on equity (ROE)
7.17%Retained earnings to average equity (YTD only)
0.13%Net charge-offs to loans
78.95%Credit loss provision to net charge-offs
20.39%Efficiency ratio
69,524Assets per employee
3.57%Cash dividends to net income (YTD only)
Condition Ratios (%)
20.59%Loss allowance to loans
1.60%Loss allowance to noncurrent loans
345.38%Noncurrent assets plus other real estate owned to assets
0.27%Noncurrent loans to loans
0.46%Net loans and leases to deposits
55.34%Net loans and leases to core deposits
55.80%Equity capital to assets
11.58%Core capital (leverage) ratio
11.22%Tier 1 risk-based capital ratio
20.50%Total risk-based capital ratio
Memoranda
$22Average assets
$58,322Average earning assets
$6,402Average equity
$51,609Average 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
$4Managed Assets
1Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Investment management agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
1Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$4Other retirement accounts
$0Corporate trust and agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices

List of branches

2 Indiana Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
0	8289	The Elberfeld State Bank	55 Main Street, Elberfeld, IN 47613	July 25, 1905	Full Service Brick and Mortar
1	229115	Haubstadt Branch	803 East Highway 68, Haubstadt, IN 47639	June 02, 1997	Full Service Brick and Mortar

The Elberfeld State Bank in Elberfeld, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Elberfeld State 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:

The Elberfeld State Bank in Elberfeld, Indiana (IN)Overview, Financial Summary, Detailed Financial Reports, Branches

The Elberfeld State 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:

The Elberfeld State Bank in Elberfeld, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches