Bank of Findlay in Findlay, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of July 01, 1993

  • Bank of Findlay in Findlay, Illinois (IL)
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Bank of Findlay - Overview

  • General
  • FDIC Certificate #: 20547
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Shelby County State Bank (#11702)
    Federal Reserve ID: 549330
    Date Established: December 02, 1971
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Interstate: No)
    FDIC's unique #: 14181
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: December 02, 1971
    Last Structure Change Effective Date: July 01, 1993
    Last Structure Change Process Date: July 22, 1993
    Last Data Update: July 22, 1993
    Data Source Date: April 05, 2012
  • Location
  • Address: 207 East Division Street, Findlay, IL 62534
    County: Shelby
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Champaign
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
  • Financial Summary
  • Total assets: $8.2 mil

Assets and Liabilities (December 31, 1992)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $5Total assets
  • $8,608Cash and due from depository institutions
  • $448Interest-bearing balances
  • $0Securities
  • $2,543Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $5,057Loan loss allowance
  • $65Trading account assets
  • $0Bank premises and fixed assets
  • $163Other real estate owned
  • $74Goodwill and other intangibles
  • $323Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $8,608Total liabilities
  • $7,943Total deposits
  • $7,862Interest-bearing deposits
  • $7,123Deposits held in domestic offices
  • 7862.00%% insured (estimated)
  • $98Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $81Total equity capital
  • $81Total bank equity capital
  • $665Perpetual preferred stock
  • $0Common stock
  • $240Surplus
  • $435Undivided profits
  • Memoranda
  • $-10Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $438Income earned, not collected on loans
  • $146Earning assets
  • $7,600Long-term assets (5+ years)
  • $363Average Assets, year-to-date
  • $9,157Average Assets, quarterly
  • $8,979Volatile liabilities
  • $401Insider loans
  • $98FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $665Total risk weighted assets
  • $4,734Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1992)

  • Dollar figures in thousands
  • $0Total interest income
  • $716Total interest expense
  • $407Net interest income
  • $309Provision for loan and lease losses
  • $9Total noninterest income
  • $42Fiduciary activities
  • $0Service charges on deposit accounts
  • $13Trading account gains & fees
  • $0Additional noninterest income
  • $29Total noninterest expense
  • $362Salaries and employee benefits
  • $172Premises and equipment expense
  • $44Additional noninterest expense
  • $146Pre-tax net operating income
  • -$20Securities gains (losses)
  • $20Applicable income taxes
  • $0Income before extraordinary items
  • $0Extraordinary gains - net
  • $0Net income attributable to bank
  • $0Net charge-offs
  • $18Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $100Net operating income

Performance and Condition Ratios (December 31, 1992)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 9.05%Cost of funding earning assets
  • 5.14%Net interest margin
  • 3.90%Noninterest income to earning assets
  • 0.53%Noninterest expense to earning assets
  • 4.57%Net operating income to assets
  • -0.22%Return on assets (ROA)
  • 0.00%Pretax return on assets
  • 0.00%Return on equity (ROE)
  • 0.00%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.33%Credit loss provision to net charge-offs
  • 50.00%Efficiency ratio
  • 103,134Assets per employee
  • 1.72%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.27%Loss allowance to noncurrent loans
  • 14.84%Noncurrent assets plus other real estate owned to assets
  • 5.95%Noncurrent loans to loans
  • 8.55%Net loans and leases to deposits
  • 64.32%Net loans and leases to core deposits
  • 67.78%Equity capital to assets
  • 7.73%Core capital (leverage) ratio
  • 7.38%Tier 1 risk-based capital ratio
  • 14.05%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $9,157Average earning assets
  • $624Average equity
  • $7,916Average loans

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