The Madison Bank and Trust Company in Madison, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of August 26, 2005

The Madison Bank and Trust Company in Madison, Indiana (IN)
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The Madison Bank and Trust Company - Overview

General
FDIC Certificate #: 4399
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: MainSource Bank (#5766)
Federal Reserve ID: 232548
Date Established: January 01, 1833
WWW: http://www.nationalcity.com
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 6 (Interstate: No)
FDIC's unique #: 2900
Numeric code: 21
Regulator: FDIC
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: August 26, 2005
Last Structure Change Process Date: September 01, 2005
Last Data Update: September 01, 2005
Data Source Date: April 05, 2012
Location
Address: 213-215 East Main Street, Madison, IN 47250
County: Jefferson
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): Madison, IN (#31500)
CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $215.7 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, 2004)

Dollar figures in thousands
37Total employees (full-time equivalent)
$216,029Total assets
$167,509Cash and due from depository institutions
$153,000Interest-bearing balances
$0Securities
$27,250Federal funds sold & reverse repurchase agreements
$19,009Net loans & leases
$2,110Loan loss allowance
$0Trading account assets
$587Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$1,674All other assets
$216,029Total liabilities and capital
$189,136Total liabilities
$167,056Total deposits
$141,234Interest-bearing deposits
$167,056Deposits held in domestic offices
0.00%% insured (estimated)
$21,554Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$526All other liabilities
$26,893Total equity capital
$26,893Total bank equity capital
$26,893Perpetual preferred stock
$0Common stock
$1,100Surplus
$7,300Undivided profits
Memoranda
$18,493Noncurrent loans and leases
$10,886Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$231Earning assets
$0Long-term assets (5+ years)
$951Average Assets, year-to-date
$199,259Average Assets, quarterly
$8,543Volatile liabilities
$209,122Insider loans
$215,105FHLB advances
$47,903Loans and leases held for sale
$5Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$10,886Total unused commitments
$0Restructured Loans and leases
$756Derivatives

Income and Expense (December 31, 2004)

Dollar figures in thousands
$4,655Total interest income
$2,305Total interest expense
$2,350Net interest income
$386Provision for loan and lease losses
$1,444Total noninterest income
$0Fiduciary activities
$1,282Service charges on deposit accounts
$0Trading account gains & fees
$162Additional noninterest income
$3,248Total noninterest expense
$1,505Salaries and employee benefits
$498Premises and equipment expense
$1,245Additional noninterest expense
$160Pre-tax net operating income
$0Securities gains (losses)
$66Applicable income taxes
$94Income before extraordinary items
$0Extraordinary gains - net
$94Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$386Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2004)

Dollar figures in thousands
Performance Ratios (%, annualized)
2.42%Yield on earning assets
1.20%Cost of funding earning assets
1.22%Net interest margin
0.75%Noninterest income to earning assets
1.69%Noninterest expense to earning assets
0.04%Net operating income to assets
0.04%Return on assets (ROA)
0.08%Pretax return on assets
0.35%Return on equity (ROE)
0.35%Retained earnings to average equity (YTD only)
1.63%Net charge-offs to loans
100.00%Credit loss provision to net charge-offs
1.41%Efficiency ratio
85,609Assets per employee
5.84%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
9.99%Loss allowance to noncurrent loans
913.42%Noncurrent assets plus other real estate owned to assets
0.11%Noncurrent loans to loans
1.09%Net loans and leases to deposits
11.38%Net loans and leases to core deposits
13.51%Equity capital to assets
12.45%Core capital (leverage) ratio
12.88%Tier 1 risk-based capital ratio
45.57%Total risk-based capital ratio
Memoranda
$47Average assets
$209,122Average earning assets
$26,705Average equity
$192,536Average loans

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