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

This bank is inactive as of September 22, 1995

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

  • General
  • FDIC Certificate #: 11723
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Banterra Bank Group (#16578)
    Federal Reserve ID: 409443
    Date Established: April 13, 1904
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Interstate: No)
    FDIC's unique #: 7497
    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: January 01, 1934
    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: East Main Street, Norris City, IL 62869
    County: White
    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: $40.0 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)
  • $11Total assets
  • $38,775Cash and due from depository institutions
  • $1,778Interest-bearing balances
  • $890Securities
  • $11,155Federal funds sold & reverse repurchase agreements
  • $1,100Net loans & leases
  • $23,714Loan loss allowance
  • $481Trading account assets
  • $0Bank premises and fixed assets
  • $313Other real estate owned
  • $0Goodwill and other intangibles
  • $715Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $38,775Total liabilities
  • $35,044Total deposits
  • $34,841Interest-bearing deposits
  • $32,528Deposits held in domestic offices
  • 34841.00%% insured (estimated)
  • $90Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $203Total equity capital
  • $203Total bank equity capital
  • $3,731Perpetual preferred stock
  • $0Common stock
  • $427Surplus
  • $1,073Undivided profits
  • Memoranda
  • $2,231Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $126Income earned, not collected on loans
  • $453Earning assets
  • $36,859Long-term assets (5+ years)
  • $1,267Average Assets, year-to-date
  • $36,853Average Assets, quarterly
  • $37,908Volatile liabilities
  • $7,276Insider loans
  • $664FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $1,671Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $3,803Total risk weighted assets
  • $25,385Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1994)

  • Dollar figures in thousands
  • $0Total interest income
  • $2,706Total interest expense
  • $1,112Net interest income
  • $1,594Provision for loan and lease losses
  • $95Total noninterest income
  • $178Fiduciary activities
  • $0Service charges on deposit accounts
  • $114Trading account gains & fees
  • $0Additional noninterest income
  • $64Total noninterest expense
  • $693Salaries and employee benefits
  • $270Premises and equipment expense
  • $59Additional noninterest expense
  • $364Pre-tax net operating income
  • $984Securities gains (losses)
  • $2Applicable income taxes
  • $351Income before extraordinary items
  • $635Extraordinary gains - net
  • $0Net income attributable to bank
  • $635Net charge-offs
  • $15Cash 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
  • 7.71%Cost of funding earning assets
  • 3.17%Net interest margin
  • 4.54%Noninterest income to earning assets
  • 0.51%Noninterest expense to earning assets
  • 1.98%Net operating income to assets
  • 1.72%Return on assets (ROA)
  • 1.72%Pretax return on assets
  • 2.68%Return on equity (ROE)
  • 17.42%Retained earnings to average equity (YTD only)
  • 6.45%Net charge-offs to loans
  • 0.06%Credit loss provision to net charge-offs
  • 633.33%Efficiency ratio
  • 39,108Assets per employee
  • 3.52%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 62.99%Loss allowance to loans
  • 1.99%Loss allowance to noncurrent loans
  • 381.75%Noncurrent assets plus other real estate owned to assets
  • 0.32%Noncurrent loans to loans
  • 0.52%Net loans and leases to deposits
  • 68.06%Net loans and leases to core deposits
  • 86.03%Equity capital to assets
  • 9.62%Core capital (leverage) ratio
  • 9.95%Tier 1 risk-based capital ratio
  • 14.98%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $36,853Average earning assets
  • $3,645Average equity
  • $35,084Average loans

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