Banterra Bank of Hamilton County in Mcleansboro, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of September 22, 1995

Banterra Bank of Hamilton County in Mcleansboro, Illinois (IL)
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Banterra Bank of Hamilton County - Overview

General
FDIC Certificate #: 16638
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Banterra Bank Group (#16578)
Federal Reserve ID: 378745
Date Established: November 01, 1947
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 1 (Interstate: No)
FDIC's unique #: 10778
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: November 01, 1947
Last Structure Change Effective Date: September 22, 1995
Last Structure Change Process Date: October 24, 1995
Last Data Update: October 24, 1995
Data Source Date: April 05, 2012
Location
Address: Jackson And Market Streets, Mcleansboro, IL 62859
County: Hamilton
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): Mount Vernon, IL (#34500)
CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $45.2 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

Dollar figures in thousands
0Total employees (full-time equivalent)
$12Total assets
$44,278Cash and due from depository institutions
$2,148Interest-bearing balances
$888Securities
$14,464Federal funds sold & reverse repurchase agreements
$1,200Net loans & leases
$25,420Loan loss allowance
$469Trading account assets
$0Bank premises and fixed assets
$253Other real estate owned
$0Goodwill and other intangibles
$793Life insurance assets
$0All other assets
$0Total liabilities and capital
$44,278Total liabilities
$39,906Total deposits
$39,339Interest-bearing deposits
$36,122Deposits held in domestic offices
39339.00%% insured (estimated)
$96Federal funds purchased & repurchase agreements
$402Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$165Total equity capital
$165Total bank equity capital
$4,372Perpetual preferred stock
$0Common stock
$300Surplus
$1,200Undivided profits
Memoranda
$2,872Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$64Income earned, not collected on loans
$517Earning assets
$41,972Long-term assets (5+ years)
$1,356Average Assets, year-to-date
$42,887Average Assets, quarterly
$43,324Volatile liabilities
$3,404Insider loans
$710FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$5,273Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$4,459Total risk weighted assets
$27,503Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1994)

Dollar figures in thousands
$0Total interest income
$2,914Total interest expense
$1,297Net interest income
$1,617Provision for loan and lease losses
$144Total noninterest income
$167Fiduciary activities
$0Service charges on deposit accounts
$62Trading account gains & fees
$0Additional noninterest income
$105Total noninterest expense
$823Salaries and employee benefits
$349Premises and equipment expense
$77Additional noninterest expense
$397Pre-tax net operating income
$817Securities gains (losses)
-$2Applicable income taxes
$296Income before extraordinary items
$519Extraordinary gains - net
$0Net income attributable to bank
$519Net charge-offs
$89Cash dividends
$400Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1994)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
7.11%Cost of funding earning assets
3.16%Net interest margin
3.95%Noninterest income to earning assets
0.41%Noninterest expense to earning assets
2.01%Net operating income to assets
1.21%Return on assets (ROA)
1.21%Pretax return on assets
1.90%Return on equity (ROE)
11.76%Retained earnings to average equity (YTD only)
2.70%Net charge-offs to loans
0.36%Credit loss provision to net charge-offs
161.80%Efficiency ratio
46,132Assets per employee
3.69%Cash dividends to net income (YTD only)
Condition Ratios (%)
77.07%Loss allowance to loans
1.81%Loss allowance to noncurrent loans
732.81%Noncurrent assets plus other real estate owned to assets
0.14%Noncurrent loans to loans
0.25%Net loans and leases to deposits
64.62%Net loans and leases to core deposits
69.96%Equity capital to assets
9.87%Core capital (leverage) ratio
10.27%Tier 1 risk-based capital ratio
16.21%Total risk-based capital ratio
Memoranda
$17Average assets
$42,887Average earning assets
$4,412Average equity
$40,982Average loans

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