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

This bank is inactive as of September 11, 1998

  • Banterra Bank of Christopher in Christopher, Illinois (IL)
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Banterra Bank of Christopher - Overview

  • General
  • FDIC Certificate #: 15938
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Banterra Bank (#17514)
    Federal Reserve ID: 213042
    Date Established: April 28, 1943
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Interstate: No)
    FDIC's unique #: 10169
    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: April 28, 1943
    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: 506 North Victor Street, Christopher, IL 62822
    County: Franklin
    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
  • Financial Summary
  • Total assets: $55.7 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
  • 12Total employees (full-time equivalent)
  • $54,437Total assets
  • $2,088Cash and due from depository institutions
  • $99Interest-bearing balances
  • $29,878Securities
  • $400Federal funds sold & reverse repurchase agreements
  • $20,570Net loans & leases
  • $540Loan loss allowance
  • $0Trading account assets
  • $505Bank premises and fixed assets
  • $135Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $861All other assets
  • $54,437Total liabilities and capital
  • $48,769Total liabilities
  • $47,956Total deposits
  • $44,564Interest-bearing deposits
  • $47,956Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $559Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $254All other liabilities
  • $5,668Total equity capital
  • $5,668Total bank equity capital
  • $5,668Perpetual preferred stock
  • $0Common stock
  • $100Surplus
  • $1,900Undivided profits
  • Memoranda
  • $3,668Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $261Earning assets
  • $0Long-term assets (5+ years)
  • $296Average Assets, year-to-date
  • $50,947Average Assets, quarterly
  • $9,298Volatile liabilities
  • $52,467Insider loans
  • $53,474FHLB advances
  • $4,261Loans and leases held for sale
  • $1,004Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $713Total unused commitments
  • $0Restructured Loans and leases
  • $26,145Derivatives

Income and Expense (December 31, 1997)

  • Dollar figures in thousands
  • $3,764Total interest income
  • $1,888Total interest expense
  • $1,876Net interest income
  • -$185Provision for loan and lease losses
  • $217Total noninterest income
  • $0Fiduciary activities
  • $128Service charges on deposit accounts
  • $0Trading account gains & fees
  • $89Additional noninterest income
  • $724Total noninterest expense
  • $284Salaries and employee benefits
  • $68Premises and equipment expense
  • $372Additional noninterest expense
  • $1,554Pre-tax net operating income
  • -$13Securities gains (losses)
  • $490Applicable income taxes
  • $1,051Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,051Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $32Sale, conversion, retirement of capital stock, net
  • $800Net operating income

Performance and Condition Ratios (December 31, 1997)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.58%Yield on earning assets
  • 3.80%Cost of funding earning assets
  • 3.78%Net interest margin
  • 0.44%Noninterest income to earning assets
  • 1.46%Noninterest expense to earning assets
  • 2.02%Net operating income to assets
  • 2.00%Return on assets (ROA)
  • 2.94%Pretax return on assets
  • 20.18%Return on equity (ROE)
  • 4.82%Retained earnings to average equity (YTD only)
  • 0.16%Net charge-offs to loans
  • -578.13%Credit loss provision to net charge-offs
  • 42.78%Efficiency ratio
  • 34,591Assets per employee
  • 4.54%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 76.12%Loss allowance to loans
  • 2.56%Loss allowance to noncurrent loans
  • 206.90%Noncurrent assets plus other real estate owned to assets
  • 0.73%Noncurrent loans to loans
  • 1.24%Net loans and leases to deposits
  • 42.89%Net loans and leases to core deposits
  • 46.48%Equity capital to assets
  • 10.41%Core capital (leverage) ratio
  • 10.57%Tier 1 risk-based capital ratio
  • 21.46%Total risk-based capital ratio
  • Memoranda
  • $23Average assets
  • $52,467Average earning assets
  • $5,208Average equity
  • $49,637Average loans

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