Vitals
  • Total Assets
    500.4M 10.7 %
  • Total Deposits
    420.0M 12.8 %
  • Total Net Loans
    365.9M 10.8 %
  • Net Income
    4.8M 23.1 %
  • Book Value
    49.4M 4.0 %
  • Book Value x2
    98.7M 4.0 %
  • Book Value x3
    148.1M 4.0 %
ROAA

1.012

ROAE

9.824

Efficiency Ratio

66.231

Net Interest Margin

4.304

Balance Sheet Highlights
Financial Highlights First State Bank Of Middlebury All Insured Commercial Banks in Indiana
Balance Sheet $(000)
Total Assets 500,394 606,548
Total Net Loans 365,887 409,621
Total Deposits 420,000 497,111
Total Equity 49,359 63,292
Profitability
Net Income 4,847 6,062
Return on Average Assets 1.012 .965
Return on Average Equity 9.824 9.027
Net Interest Margin 4.304 3.682
Efficiency Ratio 66.231 66.445
Noninterest Income/Revenue 17.286 20.436
Balance Sheet Ratios
Loan-to-Deposit 87.116 79.497
Securities/Assets .185 .184
Total Equity/Total Assets .099 .104
Tangible Equity/Tangible Assets .096 .098
Capital Adequacy
Tier 1 Common Capital 49,740 60,326
Tier 1 Capital 49,740 60,328
Tier 2 Capital 4,270 4,282
Total Capital 54,010 64,608
Total Risk Weighted Assets 388,356 442,958
Leverage Ratio 10.01 10.395
Common Equity Tier 1 Capital Ratio 12.81 15.27
Tier 1 Capital Ratio 12.81 15.27
Total Capital Ratio 13.91 16.399

Timeline for First State Bank Of Middlebury

First State Holdings, Inc.

First State Holdings, Inc. became a new subsidiary organization for First State Bank Of Middlebury.

View Profile Aug 01 2002

Crystal Valley Financial Corporation

Crystal Valley Financial Corporation became a new parent organization for First State Bank Of Middlebury.

View Profile Jul 31 1984

First State Insurance Agency, Inc.

First State Insurance Agency, Inc. became a new subsidiary organization for First State Bank Of Middlebury.

View Profile Jul 31 1984

First State Bank Of Middlebury

First State Bank Of Middlebury was established 114 years ago and is currently headquartered in Middlebury, IN.

Jan 01 1910
Relationships Role Relationship Start Relationship End
Crystal Valley Financial Corporation Parent 7/31/1984
First State Insurance Agency, Inc. Subsidary 6/30/2007
First State Holdings, Inc. Subsidary 6/30/2007
First State Insurance Agency, Inc. Subsidary 7/31/1984 6/29/2007
First State Holdings, Inc. Subsidary 8/1/2002 6/29/2007
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