The First National Bank of Odon in city_name, state_name - Detailed Financial Reports, Location

The First National Bank of Odon in Odon, Indiana (IN)
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The First National Bank of Odon routing number info

The First National Bank of Odon - Overview

General
FDIC Certificate #: 4405
Status: Active
Federal Reserve ID: 1005440
Bank Holding Company (Regulatory Top Holder): Dearmin Bancorp, Inc. (RSSDID: 1095795, Location: Odon, IN)
Date Established: January 01, 1890
WWW: http://www.fnbodon.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 4 (Domestic: 4, Interstate: No)
OTS Docket #: 9916
FDIC's unique #: 2905
Numeric code: 3
Regulator: OCC
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: No
Subchapter S Corporations: No
Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion
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: 501 West Main Street, Odon, IN 47562
County: Daviess
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
Core Based Statistical Area (CBSA): Washington, IN (#47780)
CBSA Micro Statistical Area: Yes
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $75.1 mil
Equity capital: $5.9 mil
Deposits held in domestic offices: $68.3 mil
Return on assets (ROA): 0.62% ($0.5 mil)
Quarterly return on assets: 0.46% ($0.3 mil)
Return on Equity (ROE): 7.93% ($0.5 mil)
Quarterly return on equity: 5.74% ($0.3 mil)
Net income: $0.4 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: 0.79% ($593.1 mil)
Quarterly Pretax return on assets: 0.61% ($457.9 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
26Total employees (full-time equivalent)
$75,070Total assets
$10,922Cash and due from depository institutions
$10,068Interest-bearing balances
$36,756Securities
$0Federal funds sold & reverse repurchase agreements
$25,067Net loans & leases
$323Loan loss allowance
$0Trading account assets
$795Bank premises and fixed assets
$62Other real estate owned
$0Goodwill and other intangibles
$75,070Life insurance assets
$1,468All other assets
$69,159Total liabilities and capital
$68,278Total liabilities
$31,790Total deposits
$68,278Interest-bearing deposits
$98Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$881Subordinated debt
$5,911All other liabilities
$5,911Total equity capital
$5,911Total bank equity capital
$0Perpetual preferred stock
$200Common stock
$500Surplus
$5,211Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$363Income earned, not collected on loans
$0Earning assets
$496Long-term assets (5+ years)
$71,891Average Assets, year-to-date
$19,472Average Assets, quarterly
$71,491Volatile liabilities
$73,723Insider loans
$38,153FHLB advances
$72,008Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$5,409Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$3,731Restructured Loans and leases
$590Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$2,623Total interest income
$174Total interest expense
$2,449Net interest income
$104Provision for loan and lease losses
$635Total noninterest income
$0Fiduciary activities
$356Service charges on deposit accounts
$0Trading account gains & fees
$279Additional noninterest income
$2,474Total noninterest expense
$1,163Salaries and employee benefits
$350Premises and equipment expense
$961Additional noninterest expense
$506Pre-tax net operating income
$58Securities gains (losses)
$120Applicable income taxes
$444Income before extraordinary items
$0Extraordinary gains - net
$444Net income attributable to bank
$0Net charge-offs
$444Cash dividends
$66Sale, conversion, retirement of capital stock, net
$40Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
3.83%Yield on earning assets
0.25%Cost of funding earning assets
3.57%Net interest margin
0.93%Noninterest income to earning assets
3.61%Noninterest expense to earning assets
0.56%Net operating income to assets
0.62%Return on assets (ROA)
0.79%Pretax return on assets
7.93%Return on equity (ROE)
7.22%Retained earnings to average equity (YTD only)
0.26%Net charge-offs to loans
157.58%Credit loss provision to net charge-offs
9.24%Efficiency ratio
80,220Assets per employee
2.89%Cash dividends to net income (YTD only)
Condition Ratios (%)
9.01%Loss allowance to loans
1.27%Loss allowance to noncurrent loans
88.98%Noncurrent assets plus other real estate owned to assets
0.57%Noncurrent loans to loans
1.43%Net loans and leases to deposits
36.71%Net loans and leases to core deposits
36.71%Equity capital to assets
7.87%Core capital (leverage) ratio
7.51%Tier 1 risk-based capital ratio
14.18%Total risk-based capital ratio
Memoranda
$15Average assets
$71,491Average earning assets
$5,598Average equity
$68,522Average loans

List of branches

4 Indiana Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	2905	The First National Bank Of Odon	501 West Main Street, Odon, IN 47562	January 01, 1890	Full Service Brick and Mortar
1	203631	Facility	Naval Surface Warfare Center, Crane, IN 47522	January 08, 1954	Limited Service Military Facility
2	203632	Elnora Branch	Odon Street, Elnora, IN 47529	October 22, 1959	Full Service Brick and Mortar
3	203633	Montgomery Branch	Myers And Hastings Streets, Route 2, Montgomery, IN 47558	June 30, 1962	Full Service Brick and Mortar

The First National Bank of Odon in Odon, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches

The First National Bank of Odon - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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The First National Bank of Odon in Odon, Indiana (IN)Overview, Financial Summary, Detailed Financial Reports, Branches

The First National Bank of Odon - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

The First National Bank of Odon in Odon, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches