Banterra Bank Group in Eldorado, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of September 11, 1998

  • Banterra Bank Group in Eldorado, Illinois (IL)
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Banterra Bank Group - Overview

  • General
  • FDIC Certificate #: 16578
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Banterra Bank (#17514)
    Federal Reserve ID: 483649
    Date Established: March 04, 1947
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 6 (Interstate: No)
    OTS Docket #: 14712
    FDIC's unique #: 10724
    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: May 19, 1947
    Last Structure Change Effective Date: September 11, 1998
    Last Structure Change Process Date: September 24, 1998
    Last Data Update: September 24, 1998
    Data Source Date: April 05, 2012
  • Location
  • Address: U.S. Route 45 South, Eldorado, IL 62930
    County: Saline
    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
    Core Based Statistical Area (CBSA): Harrisburg, IL (#25380)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $168.8 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1997)

  • Dollar figures in thousands
  • 50Total employees (full-time equivalent)
  • $172,376Total assets
  • $4,500Cash and due from depository institutions
  • $304Interest-bearing balances
  • $63,752Securities
  • $300Federal funds sold & reverse repurchase agreements
  • $98,090Net loans & leases
  • $3,330Loan loss allowance
  • $0Trading account assets
  • $1,223Bank premises and fixed assets
  • $150Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $4,361All other assets
  • $172,376Total liabilities and capital
  • $155,520Total liabilities
  • $154,046Total deposits
  • $139,900Interest-bearing deposits
  • $154,046Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $500Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $974All other liabilities
  • $16,856Total equity capital
  • $16,856Total bank equity capital
  • $16,856Perpetual preferred stock
  • $0Common stock
  • $300Surplus
  • $4,588Undivided profits
  • Memoranda
  • $11,968Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $4,018Earning assets
  • $110Long-term assets (5+ years)
  • $2,304Average Assets, year-to-date
  • $162,446Average Assets, quarterly
  • $25,566Volatile liabilities
  • $176,102Insider loans
  • $173,099FHLB advances
  • $28,411Loans and leases held for sale
  • $998Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $12,063Total unused commitments
  • $0Restructured Loans and leases
  • $110,823Derivatives

Income and Expense (December 31, 1997)

  • Dollar figures in thousands
  • $13,314Total interest income
  • $6,852Total interest expense
  • $6,462Net interest income
  • $1,135Provision for loan and lease losses
  • $642Total noninterest income
  • $0Fiduciary activities
  • $371Service charges on deposit accounts
  • $0Trading account gains & fees
  • $271Additional noninterest income
  • $3,425Total noninterest expense
  • $1,731Salaries and employee benefits
  • $326Premises and equipment expense
  • $1,368Additional noninterest expense
  • $2,544Pre-tax net operating income
  • -$30Securities gains (losses)
  • $732Applicable income taxes
  • $1,782Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,782Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $1,057Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1997)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.97%Yield on earning assets
  • 4.10%Cost of funding earning assets
  • 3.87%Net interest margin
  • 0.38%Noninterest income to earning assets
  • 2.05%Noninterest expense to earning assets
  • 1.02%Net operating income to assets
  • 1.01%Return on assets (ROA)
  • 1.43%Pretax return on assets
  • 11.34%Return on equity (ROE)
  • 11.34%Retained earnings to average equity (YTD only)
  • 1.09%Net charge-offs to loans
  • 107.38%Credit loss provision to net charge-offs
  • 3.48%Efficiency ratio
  • 48,212Assets per employee
  • 3.45%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.28%Loss allowance to noncurrent loans
  • 82.88%Noncurrent assets plus other real estate owned to assets
  • 2.42%Noncurrent loans to loans
  • 3.96%Net loans and leases to deposits
  • 63.68%Net loans and leases to core deposits
  • 77.77%Equity capital to assets
  • 9.78%Core capital (leverage) ratio
  • 9.60%Tier 1 risk-based capital ratio
  • 15.08%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $176,102Average earning assets
  • $15,712Average equity
  • $167,019Average loans

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