Home > Citizens Bank of Western Indiana > Assets and Liabilities
Citizens Bank of Western Indiana, Assets and Liabilities
| 1997-12-31 | Rank | |
| # of Employees: | 100 | 1,764 |
| Assets and Liabilities | ||
| Total Assets: | $401,367,000 | 1,165 |
| Cash and due from depository institutions | $6,455,000 | 1,764 |
| Interest-bearing balances | $45,000 | 5,413 |
| Securities | $111,927,000 | 1,028 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,160 |
| Net loans & leases | $259,929,000 | 1,148 |
| Loan loss allowance | $3,277,000 | 1,158 |
| Trading account assets | $0 | 203 |
| Bank premises and fixed assets | $4,958,000 | 1,595 |
| Other real estate owned | $371,000 | 1,764 |
| Goodwill and other intangibles | $8,958,000 | 395 |
| All other assets | $8,769,000 | 968 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $401,367,000 | 1,165 |
| Total liabilities | $367,997,000 | 1,157 |
| Total deposits | $322,695,000 | 1,158 |
| Interest-bearing deposits | $296,911,000 | 1,091 |
| Deposits held in domestic offices | $322,695,000 | 1,153 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $36,826,000 | 554 |
| Trading liabilities | $0 | 80 |
| Other borrowed funds | $5,103,000 | 1,931 |
| Subordinated debt | $0 | 260 |
| All other liabilities | $3,373,000 | 1,336 |
| Total equity capital | $33,370,000 | 1,343 |
| Total bank equity capital | $33,370,000 | 1,343 |
| Perpetual preferred stock | $0 | 223 |
| Common stock | $1,000 | 9,742 |
| Surplus | $25,105,000 | 731 |
| Undivided profits | $8,264,000 | 3,010 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $2,454,000 | 1,124 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,731 |
| Income earned, not collected on loans | $1,746,000 | 1,237 |
| Earning assets | $371,901,000 | 1,149 |
| Long-term assets (5+ years) | $153,283,000 | 519 |
| Average Assets, year-to-date | $392,109,200 | 1,140 |
| Average Assets, quarterly | $400,282,000 | 1,149 |
| Volatile liabilities | $83,815,000 | 949 |
| Insider loans | $6,864,000 | 586 |
| FHLB advances | $0 | 780 |
| Loans and leases held for sale | $2,210,000 | 560 |
| Unused loan commitments | $46,650,000 | 1,146 |
| Tier 1 (core) risk-based capital | $24,433,800 | 1,742 |
| Tier 2 risk-based capital | $3,277,000 | 1,002 |
| Total risk weighted assets | $262,328,000 | 1,114 |
| Total unused commitments | $46,650,000 | 1,150 |
| Derivatives | $44,000,000 | 267 |
| 1996-12-31 | Rank | |
| # of Employees: | 96 | 1,948 |
| Assets and Liabilities | ||
| Total Assets: | $379,358,000 | 1,260 |
| Cash and due from depository institutions | $15,809,000 | 1,948 |
| Interest-bearing balances | $18,000 | 5,971 |
| Securities | $113,591,000 | 1,053 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,460 |
| Net loans & leases | $228,662,000 | 1,313 |
| Loan loss allowance | $2,497,000 | 1,557 |
| Trading account assets | $0 | 240 |
| Bank premises and fixed assets | $5,081,000 | 1,559 |
| Other real estate owned | $316,000 | 1,948 |
| Goodwill and other intangibles | $9,546,000 | 380 |
| All other assets | $6,353,000 | 1,315 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $379,358,000 | 1,260 |
| Total liabilities | $348,432,000 | 1,249 |
| Total deposits | $304,351,000 | 1,256 |
| Interest-bearing deposits | $290,839,000 | 1,150 |
| Deposits held in domestic offices | $304,351,000 | 1,251 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $35,556,000 | 620 |
| Trading liabilities | $0 | 97 |
| Other borrowed funds | $5,000,000 | 1,827 |
| Subordinated debt | $0 | 298 |
| All other liabilities | $3,525,000 | 1,296 |
| Total equity capital | $30,926,000 | 1,460 |
| Total bank equity capital | $30,926,000 | 1,460 |
| Perpetual preferred stock | $0 | 250 |
| Common stock | $1,000 | 10,221 |
| Surplus | $25,105,000 | 765 |
| Undivided profits | $5,820,000 | 3,972 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,789,000 | 1,668 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $115,000 | 885 |
| Income earned, not collected on loans | $1,539,000 | 1,399 |
| Earning assets | $342,271,000 | 1,274 |
| Long-term assets (5+ years) | $130,028,000 | 585 |
| Average Assets, year-to-date | $356,086,000 | 1,285 |
| Average Assets, quarterly | $371,587,500 | 1,263 |
| Volatile liabilities | $73,888,000 | 1,063 |
| Insider loans | $3,750,000 | 1,160 |
| FHLB advances | $0 | 882 |
| Loans and leases held for sale | $537,000 | 940 |
| Unused loan commitments | $36,642,000 | 1,335 |
| Tier 1 (core) risk-based capital | $21,772,000 | 1,989 |
| Tier 2 risk-based capital | $2,497,000 | 1,287 |
| Total risk weighted assets | $228,319,800 | 1,275 |
| Total unused commitments | $36,642,000 | 1,343 |
| Derivatives | $33,045,000 | 336 |
| 1995-12-31 | Rank | |
| # of Employees: | 105 | 1,843 |
| Assets and Liabilities | ||
| Total Assets: | $339,429,000 | 1,400 |
| Cash and due from depository institutions | $6,081,000 | 1,843 |
| Interest-bearing balances | $19,000 | 6,204 |
| Securities | $79,018,000 | 1,594 |
| Federal funds sold & reverse repurchase agreements | $0 | 9,298 |
| Net loans & leases | $234,122,000 | 1,256 |
| Loan loss allowance | $2,067,000 | 1,878 |
| Trading account assets | $0 | 261 |
| Bank premises and fixed assets | $6,457,000 | 1,163 |
| Other real estate owned | $39,000 | 1,843 |
| Goodwill and other intangibles | $9,862,000 | 356 |
| All other assets | $3,850,000 | 2,027 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $339,429,000 | 1,400 |
| Total liabilities | $308,870,000 | 1,396 |
| Total deposits | $282,226,000 | 1,395 |
| Interest-bearing deposits | $272,016,000 | 1,258 |
| Deposits held in domestic offices | $282,226,000 | 1,382 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $19,146,000 | 828 |
| Trading liabilities | $0 | 110 |
| Other borrowed funds | $5,000,000 | 1,624 |
| Subordinated debt | $0 | 337 |
| All other liabilities | $2,498,000 | 1,765 |
| Total equity capital | $30,559,000 | 1,478 |
| Total bank equity capital | $30,559,000 | 1,478 |
| Perpetual preferred stock | $0 | 288 |
| Common stock | $1,000 | 10,688 |
| Surplus | $25,105,000 | 761 |
| Undivided profits | $5,453,000 | 4,231 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $3,268,000 | 1,074 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,782 |
| Income earned, not collected on loans | $1,638,000 | 1,356 |
| Earning assets | $313,159,000 | 1,393 |
| Long-term assets (5+ years) | $64,472,000 | 970 |
| Average Assets, year-to-date | $309,628,200 | 1,471 |
| Average Assets, quarterly | $342,080,500 | 1,377 |
| Volatile liabilities | $29,259,000 | 1,900 |
| Insider loans | $721,000 | 4,605 |
| FHLB advances | $0 | 855 |
| Loans and leases held for sale | $16,444,000 | 172 |
| Unused loan commitments | $26,845,000 | 1,621 |
| Tier 1 (core) risk-based capital | $20,527,000 | 2,072 |
| Tier 2 risk-based capital | $2,067,000 | 1,531 |
| Total risk weighted assets | $200,220,500 | 1,431 |
| Total unused commitments | $26,845,000 | 1,633 |
| Derivatives | $0 | 628 |
| 1994-12-31 | Rank | |
| # of Employees: | 100 | 2,006 |
| Assets and Liabilities | ||
| Total Assets: | $274,242,000 | 1,672 |
| Cash and due from depository institutions | $5,574,000 | 2,006 |
| Interest-bearing balances | $62,000 | 6,002 |
| Securities | $30,594,000 | 4,204 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,397 |
| Net loans & leases | $224,671,000 | 1,263 |
| Loan loss allowance | $2,213,000 | 1,811 |
| Trading account assets | $0 | 286 |
| Bank premises and fixed assets | $5,510,000 | 1,347 |
| Other real estate owned | $126,000 | 2,006 |
| Goodwill and other intangibles | $4,826,000 | 478 |
| All other assets | $2,941,000 | 2,720 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $274,242,000 | 1,672 |
| Total liabilities | $251,141,000 | 1,677 |
| Total deposits | $206,259,000 | 1,852 |
| Interest-bearing deposits | $197,885,000 | 1,673 |
| Deposits held in domestic offices | $206,259,000 | 1,841 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $28,271,000 | 744 |
| Trading liabilities | $0 | 87 |
| Other borrowed funds | $15,000,000 | 1,026 |
| Subordinated debt | $0 | 372 |
| All other liabilities | $1,611,000 | 2,115 |
| Total equity capital | $23,101,000 | 1,790 |
| Total bank equity capital | $23,101,000 | 1,790 |
| Perpetual preferred stock | $0 | 310 |
| Common stock | $1,000 | 11,259 |
| Surplus | $19,605,000 | 874 |
| Undivided profits | $3,495,000 | 5,364 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,005,000 | 2,622 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,752 |
| Income earned, not collected on loans | $1,315,000 | 1,478 |
| Earning assets | $255,327,000 | 1,645 |
| Long-term assets (5+ years) | $37,797,000 | 1,506 |
| Average Assets, year-to-date | $259,240,400 | 1,717 |
| Average Assets, quarterly | $271,982,000 | 1,680 |
| Volatile liabilities | $31,518,000 | 1,759 |
| Insider loans | $602,000 | 5,113 |
| FHLB advances | $0 | 993 |
| Loans and leases held for sale | $317,000 | 944 |
| Unused loan commitments | $23,893,000 | 1,685 |
| Tier 1 (core) risk-based capital | $18,355,000 | 2,241 |
| Tier 2 risk-based capital | $2,213,000 | 1,442 |
| Total risk weighted assets | $187,695,800 | 1,487 |
| Total unused commitments | $23,893,000 | 1,696 |
| Derivatives | $0 | 687 |
| 1993-12-31 | Rank | |
| # of Employees: | 113 | 1,846 |
| Assets and Liabilities | ||
| Total Assets: | $240,974,000 | 1,924 |
| Cash and due from depository institutions | $3,670,000 | 1,846 |
| Interest-bearing balances | $847,000 | 3,650 |
| Securities | $28,683,000 | 4,660 |
| Federal funds sold & reverse repurchase agreements | $0 | 10,345 |
| Net loans & leases | $195,262,000 | 1,422 |
| Loan loss allowance | $1,880,000 | 2,168 |
| Trading account assets | $0 | 330 |
| Bank premises and fixed assets | $5,543,000 | 1,320 |
| Other real estate owned | $250,000 | 1,846 |
| Goodwill and other intangibles | $5,108,000 | 422 |
| All other assets | $2,458,000 | 2,886 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $240,974,000 | 1,924 |
| Total liabilities | $217,970,000 | 1,956 |
| Total deposits | $202,608,000 | 1,951 |
| Interest-bearing deposits | $194,500,000 | 1,787 |
| Deposits held in domestic offices | $202,608,000 | 1,939 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $8,400,000 | 1,167 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $5,108,000 | 1,466 |
| Subordinated debt | $0 | 413 |
| All other liabilities | $1,854,000 | 1,922 |
| Total equity capital | $23,004,000 | 1,774 |
| Total bank equity capital | $23,004,000 | 1,774 |
| Perpetual preferred stock | $0 | 343 |
| Common stock | $1,000 | 11,788 |
| Surplus | $19,605,000 | 829 |
| Undivided profits | $3,398,000 | 5,692 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,067,000 | 3,011 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,950 |
| Income earned, not collected on loans | $968,000 | 1,804 |
| Earning assets | $224,792,000 | 1,901 |
| Long-term assets (5+ years) | $48,237,000 | 1,236 |
| Average Assets, year-to-date | $233,376,000 | 1,933 |
| Average Assets, quarterly | $240,366,000 | 1,913 |
| Volatile liabilities | $14,208,000 | 3,128 |
| Insider loans | $964,000 | 3,837 |
| FHLB advances | $0 | 821 |
| Loans and leases held for sale | $14,048,000 | 265 |
| Unused loan commitments | $32,651,000 | 1,343 |
| Tier 1 (core) risk-based capital | $17,693,000 | 2,205 |
| Tier 2 risk-based capital | $1,880,000 | 1,668 |
| Total risk weighted assets | $157,944,200 | 1,736 |
| Total unused commitments | $32,651,000 | 1,365 |
| Derivatives | $0 | 714 |
| 1992-12-31 | Rank | |
| # of Employees: | 121 | 1,789 |
| Assets and Liabilities | ||
| Total Assets: | $225,552,000 | 2,107 |
| Cash and due from depository institutions | $10,444,000 | 1,789 |
| Interest-bearing balances | $6,573,000 | 1,140 |
| Securities | $32,751,000 | 4,137 |
| Federal funds sold & reverse repurchase agreements | $700,000 | 9,529 |
| Net loans & leases | $165,103,000 | 1,705 |
| Loan loss allowance | $1,524,000 | 2,665 |
| Trading account assets | $0 | 344 |
| Bank premises and fixed assets | $5,365,000 | 1,354 |
| Other real estate owned | $1,076,000 | 1,789 |
| Goodwill and other intangibles | $5,800,000 | 384 |
| All other assets | $4,313,000 | 1,860 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $225,552,000 | 2,107 |
| Total liabilities | $203,330,000 | 2,130 |
| Total deposits | $194,915,000 | 2,107 |
| Interest-bearing deposits | $188,913,000 | 1,902 |
| Deposits held in domestic offices | $194,915,000 | 2,098 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,764 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $6,986,000 | 1,137 |
| Subordinated debt | $0 | 482 |
| All other liabilities | $1,429,000 | 2,446 |
| Total equity capital | $22,222,000 | 1,745 |
| Total bank equity capital | $22,222,000 | 1,745 |
| Perpetual preferred stock | $0 | 346 |
| Common stock | $1,000 | 12,319 |
| Surplus | $19,605,000 | 806 |
| Undivided profits | $2,616,000 | 6,481 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,476,000 | 2,796 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1 |
| Income earned, not collected on loans | $986,000 | 2,006 |
| Earning assets | $205,127,000 | 2,105 |
| Long-term assets (5+ years) | $0 | 11,806 |
| Average Assets, year-to-date | $227,479,800 | 2,046 |
| Average Assets, quarterly | $225,345,000 | 2,093 |
| Volatile liabilities | $16,864,000 | 2,719 |
| Insider loans | $0 | 9,493 |
| FHLB advances | $6,986,000 | 448 |
| Loans and leases held for sale | $0 | 1,207 |
| Unused loan commitments | $6,760,000 | 3,811 |
| Tier 1 (core) risk-based capital | $16,422,000 | 2,277 |
| Tier 2 risk-based capital | $1,524,000 | 2,033 |
| Total risk weighted assets | $135,568,000 | 2,058 |
| Total unused commitments | $6,760,000 | 3,832 |
| Derivatives | $0 | 651 |