Alpha Community Bank in Toluca, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of September 06, 2008

  • Alpha Community Bank in Toluca, Illinois (IL)
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Alpha Community Bank - Overview

  • General
  • FDIC Certificate #: 10790
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Morton Community Bank (#18429)
    Federal Reserve ID: 478449
    Date Established: January 01, 1870
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 5 (Interstate: No)
    OTS Docket #: 10945
    FDIC's unique #: 6899
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: September 06, 2008
    Last Structure Change Process Date: September 29, 2008
    Last Data Update: September 29, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 201 North Main Street, Toluca, IL 61369
    County: Marshall
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Princeton
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Combined Statistical Area (CSA): Peoria-Canton, IL (#426)
    Core Based Statistical Area (CBSA): Peoria, IL (#37900)
    CBSA Metro Statistical Area: Peoria, IL (#37900)
  • Financial Summary
  • Total assets: $176.7 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 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, 2007)

  • Dollar figures in thousands
  • 47Total employees (full-time equivalent)
  • $167,567Total assets
  • $4,917Cash and due from depository institutions
  • $1,538Interest-bearing balances
  • $49,422Securities
  • $3,432Federal funds sold & reverse repurchase agreements
  • $98,285Net loans & leases
  • $1,653Loan loss allowance
  • $0Trading account assets
  • $1,576Bank premises and fixed assets
  • $648Other real estate owned
  • $129Goodwill and other intangibles
  • $3,208Life insurance assets
  • $9,158All other assets
  • $167,567Total liabilities and capital
  • $155,096Total liabilities
  • $134,556Total deposits
  • $126,620Interest-bearing deposits
  • $134,556Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $20,000Other borrowed funds
  • $0Subordinated debt
  • $540All other liabilities
  • $12,471Total equity capital
  • $12,471Total bank equity capital
  • $12,471Perpetual preferred stock
  • $0Common stock
  • $600Surplus
  • $4,387Undivided profits
  • Memoranda
  • $7,484Noncurrent loans and leases
  • $19,800Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $2,885Earning assets
  • $0Long-term assets (5+ years)
  • $1,813Average Assets, year-to-date
  • $152,677Average Assets, quarterly
  • $17,519Volatile liabilities
  • $180,615Insider loans
  • $171,528FHLB advances
  • $34,631Loans and leases held for sale
  • $36Unused loan commitments
  • $20,000Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $19,800Total unused commitments
  • $275Restructured Loans and leases
  • $1,432Derivatives

Income and Expense (December 31, 2007)

  • Dollar figures in thousands
  • $11,047Total interest income
  • $5,957Total interest expense
  • $5,090Net interest income
  • $2,528Provision for loan and lease losses
  • $752Total noninterest income
  • $127Fiduciary activities
  • $440Service charges on deposit accounts
  • $0Trading account gains & fees
  • $185Additional noninterest income
  • $4,075Total noninterest expense
  • $2,556Salaries and employee benefits
  • $583Premises and equipment expense
  • $936Additional noninterest expense
  • -$761Pre-tax net operating income
  • -$260Securities gains (losses)
  • -$16Applicable income taxes
  • -$1,005Income before extraordinary items
  • $0Extraordinary gains - net
  • -$1,005Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $3,468Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2007)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.64%Yield on earning assets
  • 3.58%Cost of funding earning assets
  • 3.06%Net interest margin
  • 0.45%Noninterest income to earning assets
  • 2.45%Noninterest expense to earning assets
  • -0.42%Net operating income to assets
  • -0.56%Return on assets (ROA)
  • -0.57%Pretax return on assets
  • -8.04%Return on equity (ROE)
  • -8.04%Retained earnings to average equity (YTD only)
  • 3.23%Net charge-offs to loans
  • 72.90%Credit loss provision to net charge-offs
  • 0.51%Efficiency ratio
  • 69,754Assets per employee
  • 3.57%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.65%Loss allowance to noncurrent loans
  • 57.30%Noncurrent assets plus other real estate owned to assets
  • 2.11%Noncurrent loans to loans
  • 2.89%Net loans and leases to deposits
  • 73.04%Net loans and leases to core deposits
  • 93.67%Equity capital to assets
  • 7.44%Core capital (leverage) ratio
  • 7.57%Tier 1 risk-based capital ratio
  • 11.08%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $180,615Average earning assets
  • $12,506Average equity
  • $166,414Average loans

Total Fiduciary and Related Assets (December 31, 2007)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $35,204Managed Assets
  • 1Number of Accounts
  • $35,204Personal trust and agency accounts
  • $28,695Employee benefit-defined contribution accounts
  • $5,230Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $1,279Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 65Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

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