Vitals
  • Total Assets
    901.8M 4.1 %
  • Total Deposits
    705.2M 1.8 %
  • Total Net Loans
    607.5M 7.4 %
  • Net Income
    5.4M 0.7 %
  • Book Value
    65.1M 3.3 %
  • Book Value x2
    130.2M 3.3 %
  • Book Value x3
    195.3M 3.3 %
ROAA

1.233

ROAE

16.577

Efficiency Ratio

58.839

Net Interest Margin

3.901

Balance Sheet Highlights
Financial Highlights Sand Ridge Bank All Insured Commercial Banks in Indiana
Balance Sheet $(000)
Total Assets 901,759 301,572
Total Net Loans 607,537 200,722
Total Deposits 705,192 234,709
Total Equity 65,099 30,083
Profitability
Net Income 5,398 5,426
Return on Average Assets 1.233 1.053
Return on Average Equity 16.577 10.344
Net Interest Margin 3.901 3.958
Efficiency Ratio 58.839 65.579
Noninterest Income/Revenue 20.719 16.352
Balance Sheet Ratios
Loan-to-Deposit 86.152 84.202
Securities/Assets .223 .385
Total Equity/Total Assets .072 .1
Tangible Equity/Tangible Assets .069 -.122
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 61,336 27,431
Tier 2 Capital 7,124 2,516
Total Capital 68,460 29,829
Total Risk Weighted Assets 568,707 212,816
Leverage Ratio 7 10.017
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 10.79 14.966
Total Capital Ratio 12.04 16.111

Timeline for Sand Ridge Bank

First Financial Bank, National Association

Sand Ridge Bank was acquired by First Financial Bank, National Association 18 years

View Profile Aug 20 2005

First Financial Insurance Holding Company

First Financial Insurance Holding Company became a new subsidiary organization for Sand Ridge Bank.

View Profile Jan 01 2005

The Bright National Bank

Acquisition: Sand Ridge Bank acquired a new subsidiary, The Bright National Bank, 21 years

View Profile Nov 15 2002

National Bank Of Hastings

Acquisition: Sand Ridge Bank acquired a new subsidiary, National Bank Of Hastings, 21 years

View Profile Nov 15 2002

First Financial Bancorp

First Financial Bancorp became a new parent organization for Sand Ridge Bank.

View Profile Jun 01 1999

Want to see more?

Complete timeline for Sand Ridge Bank is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
First Financial Bank, National Association Buyer 8,352,722 Pooling of Interests Discontinued 8/20/2005
The Bright National Bank Seller 151,521 Pooling of Interests Discontinued 11/15/2002
National Bank Of Hastings Seller 65,240 Pooling of Interests Discontinued 11/15/2002
Relationships Role Relationship Start Relationship End
First Financial Bancorp Parent 6/1/1999 8/19/2005
Sand Ridge Financial Corporation Parent 9/30/1985 5/31/1999
First Financial Insurance Holding Company Subsidary 1/1/2005 8/19/2005
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