Banterra Bank in Marion, Illinois (IL), IN, KY, MO
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Banterra Bank in Marion, Illinois (IL), IN, KY, MO
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Banterra Bank - Overview

  • General
  • FDIC Certificate #: 17514
    Status: Active
    Federal Reserve ID: 502849
    Bank Holding Company (Regulatory Top Holder): Banterra Corp (RSSDID: 3202832, Location: Eldorado, IL)
    Date Established: November 26, 1955
    WWW: http://www.banterabank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 31 (Domestic: 31, Interstate: Yes)
    OTS Docket #: 12376
    FDIC's unique #: 11494
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: November 26, 1955
    Last Structure Change Effective Date: August 30, 2011
    Last Structure Change Process Date: September 01, 2011
    Last Data Update: September 01, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 3201 Banterra Drive, Marion, IL 62959
    County: Williamson
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Mount Vernon
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Combined Statistical Area (CSA): Carbondale-Marion-Herrin, IL (#166)
    Core Based Statistical Area (CBSA): Marion-Herrin, IL (#32060)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Trust Powers
  • Financial Summary
  • Total assets: $1,103.3 mil
    Equity capital: $106.6 mil
    Deposits held in domestic offices: $959.2 mil
    Return on assets (ROA): 1.71% ($18.9 mil)
    Quarterly return on assets: 1.90% ($21.0 mil)
    Return on Equity (ROE): 19.08% ($20.4 mil)
    Quarterly return on equity: 19.96% ($21.4 mil)
    Net income: $18.8 mil
    Quarterly Net income: $5.2 mil
    Pretax return on assets: 1.73% ($19,086.4 mil)
    Quarterly Pretax return on assets: 1.92% ($21,182.6 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, 2011)

  • Dollar figures in thousands
  • 318Total employees (full-time equivalent)
  • $1,103,263Total assets
  • $44,550Cash and due from depository institutions
  • $13,533Interest-bearing balances
  • $249,601Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $738,933Net loans & leases
  • $9,675Loan loss allowance
  • $0Trading account assets
  • $23,800Bank premises and fixed assets
  • $715Other real estate owned
  • $4,214Goodwill and other intangibles
  • $1,103,263Life insurance assets
  • $41,450All other assets
  • $996,645Total liabilities and capital
  • $959,194Total liabilities
  • $745,578Total deposits
  • $959,194Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 35235.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $2,216Subordinated debt
  • $106,618All other liabilities
  • $106,618Total equity capital
  • $106,618Total bank equity capital
  • $0Perpetual preferred stock
  • $800Common stock
  • $46,624Surplus
  • $59,194Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $3,255Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $20,952Income earned, not collected on loans
  • $11Earning assets
  • $5,855Long-term assets (5+ years)
  • $1,002,067Average Assets, year-to-date
  • $370,349Average Assets, quarterly
  • $1,099,218Volatile liabilities
  • $1,105,198Insider loans
  • $847,925FHLB advances
  • $1,098,679Loans and leases held for sale
  • $21,338Unused loan commitments
  • $16,502Tier 1 (core) risk-based capital
  • $99,279Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $4,836Total unused commitments
  • $127,054Restructured Loans and leases
  • $1,593Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $49,708Total interest income
  • $7,706Total interest expense
  • $42,002Net interest income
  • $3,285Provision for loan and lease losses
  • $9,284Total noninterest income
  • $0Fiduciary activities
  • $3,145Service charges on deposit accounts
  • $0Trading account gains & fees
  • $6,139Additional noninterest income
  • $28,651Total noninterest expense
  • $14,961Salaries and employee benefits
  • $4,887Premises and equipment expense
  • $8,803Additional noninterest expense
  • $19,350Pre-tax net operating income
  • -$332Securities gains (losses)
  • $206Applicable income taxes
  • $18,812Income before extraordinary items
  • $0Extraordinary gains - net
  • $18,812Net income attributable to bank
  • $0Net charge-offs
  • $18,812Cash dividends
  • $2,875Sale, conversion, retirement of capital stock, net
  • $10,000Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.98%Yield on earning assets
  • 0.77%Cost of funding earning assets
  • 4.20%Net interest margin
  • 0.93%Noninterest income to earning assets
  • 2.87%Noninterest expense to earning assets
  • 1.74%Net operating income to assets
  • 1.71%Return on assets (ROA)
  • 1.73%Pretax return on assets
  • 19.08%Return on equity (ROE)
  • 8.94%Retained earnings to average equity (YTD only)
  • 0.39%Net charge-offs to loans
  • 114.26%Credit loss provision to net charge-offs
  • 7.87%Efficiency ratio
  • 55,865Assets per employee
  • 3.47%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 53.16%Loss allowance to loans
  • 1.29%Loss allowance to noncurrent loans
  • 46.18%Noncurrent assets plus other real estate owned to assets
  • 2.07%Noncurrent loans to loans
  • 2.80%Net loans and leases to deposits
  • 77.04%Net loans and leases to core deposits
  • 80.46%Equity capital to assets
  • 9.66%Core capital (leverage) ratio
  • 9.04%Tier 1 risk-based capital ratio
  • 11.71%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $1,099,218Average earning assets
  • $98,606Average equity
  • $998,911Average loans

Total Fiduciary and Related Assets (December 31, 2010)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $157Managed Assets
  • 1Number of Accounts
  • $157Personal trust and agency accounts
  • $157Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 1Number 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

List of branches

  • 24 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    011494Banterra Bank3201 Banterra Drive, Marion, IL 62959November 26, 1955Full Service Brick and Mortar
    1241914Drive-In FacilityWest Main & North Van Buren Streets, Marion, IL 62959Febuary 10, 1971Limited Service Facility
    2241915North Carbon Facility800 North Carbon Street, Marion, IL 62959December 16, 1983Full Service Brick and Mortar
    3241916Carbondale Branch1917 West Main Street, Carbondale, IL 62901April 12, 1993Full Service Brick and Mortar
    4241917Carbon Street Branch111 Airway Drive, Marion, IL 62959April 03, 1995Limited Service Facility
    5241918Kroger Branch1704 West Deyoung, Marion, IL 62959September 09, 1994Full Service Retail
    7231221Highway 146 Branch529 East Vine Street, Vienna, IL 62995March 20, 1995Limited Service Facility
    8231222Vienna Branch402-04 Court Street, Vienna, IL 62995August 21, 1996Full Service Brick and Mortar
    910028110 East Oak Street Branch110 East Oak Street, West Frankfort, IL 62896December 09, 1940Full Service Brick and Mortar
    1110169506 North Victor Street Branch506 North Victor Street, Christopher, IL 62822April 28, 1943Full Service Brick and Mortar
    1210724U.S. Route 45 South Branch1501 U.S. Route 45 South, Eldorado, IL 62930March 04, 1947Full Service Brick and Mortar
    13238385Murphy Street BranchMurphy Street, Ridgway, IL 62979Febuary 01, 1993Full Service Brick and Mortar
    147497Norris City BranchEast Main Street, Norris City, IL 62869April 13, 1904Full Service Brick and Mortar
    1610778Mcleansboro BranchJackson And Market Streets, Mcleansboro, IL 62859November 01, 1947Full Service Brick and Mortar
    1843274Herrin/South Park Branch318 South Park Avenue, Herrin, IL 62948November 17, 1949Full Service Brick and Mortar
    19280419So Division St & State Rt 13 Branch108 S Plaza Dr New Rt 13 East, Carterville, IL 62918November 17, 1949Full Service Brick and Mortar
    202476Metropolis Branch101 West 8th Street, Metropolis, IL 62960January 01, 1895Full Service Brick and Mortar
    21359292Marion Branch401 East Deyoung Street, Marion, IL 62959Febuary 05, 2001Full Service Brick and Mortar
    24272304Carmi Branch1310 West Main Street, Carmi, IL 62821January 01, 1914Full Service Brick and Mortar
    2510903Duquoin Main St Branch124 West Main Street, Du Quoin, IL 62832May 17, 1949Full Service Brick and Mortar
    27422423Mt. Vernon Branch3520 Broadway, Mount Vernon, IL 62864May 30, 2003Full Service Brick and Mortar
    34458869Messenger Service At Marion3210 Banterra Drive, Marion, IL 62959January 03, 2005Limited Service Messenger
    46472644Harrisburg Branch520 East Poplar Street, Harrisburg, IL 62946March 03, 2008Full Service Brick and Mortar
    49513436Harrison South Drive Thru395 South Commercial Street, Harrisburg, IL 62946October 21, 2010Full Service Brick and Mortar
  • 4 Indiana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    31458269Newburg Branch3811 Haley Drive, Newburgh, IN 47630January 16, 2007Full Service Brick and Mortar
    32458270Newburgh In Messenger Service3811 Haley Drive, Newburgh, IN 47630January 16, 2007Limited Service Messenger
    48492445Evansville In Branch133 Cross Point Boulevard, Evansville, IN 47715June 23, 2009Full Service Brick and Mortar
    50525938Evansville In West705 North Saint Joseph Avenue, Evansville, IN 47712September 26, 2011Full Service Brick and Mortar
  • 2 Kentucky Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    688933151 Parisa Drive Branch3151 Parisa Drive, Paducah, KY 42001January 01, 1899Full Service Brick and Mortar
    26365654Hinkleville Road Branch5200 Hinkleville Road, Paducah, KY 42001November 27, 2002Full Service Brick and Mortar
  • 1 Missouri Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    47476051Kingshighway Branch1610 North Kingshighway, Suite # 102, Cape Girardeau, MO 63701May 27, 2008Full Service Brick and Mortar

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