The Seymour National Bank in Seymour, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of May 29, 1993

The Seymour National Bank in Seymour, Indiana (IN)
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The Seymour National Bank - Overview

General
FDIC Certificate #: 4369
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: National City Bank of Indiana (#4347)
Federal Reserve ID: 758244
Date Established: January 01, 1891
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 8 (Interstate: No)
FDIC's unique #: 2874
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: May 29, 1993
Last Structure Change Process Date: June 03, 1993
Last Data Update: June 03, 1993
Data Source Date: April 05, 2012
Location
Address: 121 North Chestnut Street, Seymour, IN 47274
County: Jackson
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): Seymour, IN (#42980)
CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $160.1 mil

Assets and Liabilities (December 31, 1992)

Dollar figures in thousands
0Total employees (full-time equivalent)
$95Total assets
$167,946Cash and due from depository institutions
$11,249Interest-bearing balances
$0Securities
$12,966Federal funds sold & reverse repurchase agreements
$40,500Net loans & leases
$99,361Loan loss allowance
$1,187Trading account assets
$0Bank premises and fixed assets
$1,626Other real estate owned
$163Goodwill and other intangibles
$2,081Life insurance assets
$0All other assets
$0Total liabilities and capital
$167,946Total liabilities
$155,569Total deposits
$151,956Interest-bearing deposits
$133,808Deposits held in domestic offices
151956.00%% insured (estimated)
$79Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$2,398Subordinated debt
$0All other liabilities
$1,215Total equity capital
$1,215Total bank equity capital
$12,377Perpetual preferred stock
$0Common stock
$489Surplus
$2,534Undivided profits
Memoranda
$9,354Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$807Income earned, not collected on loans
$1,262Earning assets
$152,827Long-term assets (5+ years)
$17,635Average Assets, year-to-date
$156,123Average Assets, quarterly
$162,527Volatile liabilities
$7,615Insider loans
$90FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$7,367Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$12,377Total risk weighted assets
$110,104Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1992)

Dollar figures in thousands
$0Total interest income
$12,248Total interest expense
$5,754Net interest income
$6,494Provision for loan and lease losses
$270Total noninterest income
$762Fiduciary activities
$0Service charges on deposit accounts
$498Trading account gains & fees
$0Additional noninterest income
$264Total noninterest expense
$3,980Salaries and employee benefits
$2,145Premises and equipment expense
$465Additional noninterest expense
$1,370Pre-tax net operating income
$3,006Securities gains (losses)
-$6Applicable income taxes
$1,097Income before extraordinary items
$1,903Extraordinary gains - net
$0Net income attributable to bank
$1,903Net charge-offs
$357Cash dividends
$201Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1992)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
8.45%Cost of funding earning assets
3.97%Net interest margin
4.48%Noninterest income to earning assets
0.53%Noninterest expense to earning assets
2.75%Net operating income to assets
1.22%Return on assets (ROA)
1.22%Pretax return on assets
1.92%Return on equity (ROE)
16.53%Retained earnings to average equity (YTD only)
14.78%Net charge-offs to loans
0.34%Credit loss provision to net charge-offs
75.63%Efficiency ratio
54,851Assets per employee
1.77%Cash dividends to net income (YTD only)
Condition Ratios (%)
10.56%Loss allowance to loans
1.18%Loss allowance to noncurrent loans
147.09%Noncurrent assets plus other real estate owned to assets
0.58%Noncurrent loans to loans
0.80%Net loans and leases to deposits
65.39%Net loans and leases to core deposits
67.71%Equity capital to assets
7.37%Core capital (leverage) ratio
7.73%Tier 1 risk-based capital ratio
11.24%Total risk-based capital ratio
Memoranda
$12Average assets
$156,123Average earning assets
$11,515Average equity
$144,864Average loans

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