The Ripley County Bank in Osgood, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of September 16, 2000

The Ripley County Bank in Osgood, Indiana (IN)
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The Ripley County Bank - Overview

General
FDIC Certificate #: 10092
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Integra Bank National Association (#4392)
Federal Reserve ID: 83245
Date Established: January 01, 1887
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 3 (Interstate: No)
OTS Docket #: 10017
FDIC's unique #: 6453
Numeric code: 13
Regulator: FED
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: September 16, 2000
Last Structure Change Process Date: November 15, 2000
Last Data Update: November 15, 2000
Data Source Date: April 05, 2012
Location
Address: 420 South Buckeye, Osgood, IN 47037
County: Ripley
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: $102.8 mil

1992 - 1999 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, 1999)

Dollar figures in thousands
32Total employees (full-time equivalent)
$104,779Total assets
$4,048Cash and due from depository institutions
$39Interest-bearing balances
$11,739Securities
$0Federal funds sold & reverse repurchase agreements
$86,337Net loans & leases
$1,215Loan loss allowance
$0Trading account assets
$1,153Bank premises and fixed assets
$65Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$1,437All other assets
$104,779Total liabilities and capital
$94,975Total liabilities
$81,037Total deposits
$68,597Interest-bearing deposits
$81,037Deposits held in domestic offices
0.00%% insured (estimated)
$8,030Federal funds purchased & repurchase agreements
$0Trading liabilities
$5,289Other borrowed funds
$0Subordinated debt
$619All other liabilities
$9,804Total equity capital
$9,804Total bank equity capital
$9,804Perpetual preferred stock
$0Common stock
$1,500Surplus
$1,500Undivided profits
Memoranda
$6,804Noncurrent loans and leases
$6,340Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$622Earning assets
$0Long-term assets (5+ years)
$1,027Average Assets, year-to-date
$98,115Average Assets, quarterly
$11,305Volatile liabilities
$108,005Insider loans
$104,936FHLB advances
$17,251Loans and leases held for sale
$1,204Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$6,340Total unused commitments
$0Restructured Loans and leases
$902Derivatives

Income and Expense (December 31, 1999)

Dollar figures in thousands
$8,448Total interest income
$3,859Total interest expense
$4,589Net interest income
$913Provision for loan and lease losses
$466Total noninterest income
$1Fiduciary activities
$317Service charges on deposit accounts
$0Trading account gains & fees
$148Additional noninterest income
$2,457Total noninterest expense
$1,208Salaries and employee benefits
$324Premises and equipment expense
$925Additional noninterest expense
$1,685Pre-tax net operating income
$5Securities gains (losses)
$573Applicable income taxes
$1,117Income before extraordinary items
$0Extraordinary gains - net
$1,117Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$585Sale, conversion, retirement of capital stock, net
$1,500Net operating income

Performance and Condition Ratios (December 31, 1999)

Dollar figures in thousands
Performance Ratios (%, annualized)
8.29%Yield on earning assets
3.79%Cost of funding earning assets
4.50%Net interest margin
0.46%Noninterest income to earning assets
2.41%Noninterest expense to earning assets
1.03%Net operating income to assets
1.03%Return on assets (ROA)
1.56%Pretax return on assets
11.06%Return on equity (ROE)
-3.79%Retained earnings to average equity (YTD only)
0.68%Net charge-offs to loans
156.07%Credit loss provision to net charge-offs
4.44%Efficiency ratio
48,605Assets per employee
3.27%Cash dividends to net income (YTD only)
Condition Ratios (%)
134.29%Loss allowance to loans
1.39%Loss allowance to noncurrent loans
195.34%Noncurrent assets plus other real estate owned to assets
0.66%Noncurrent loans to loans
0.71%Net loans and leases to deposits
106.54%Net loans and leases to core deposits
114.63%Equity capital to assets
9.36%Core capital (leverage) ratio
9.16%Tier 1 risk-based capital ratio
13.52%Total risk-based capital ratio
Memoranda
$15Average assets
$108,005Average earning assets
$10,096Average equity
$101,892Average loans

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