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

This bank is inactive as of September 11, 1998

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

  • General
  • FDIC Certificate #: 15781
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Banterra Bank (#17514)
    Federal Reserve ID: 269946
    Date Established: December 09, 1940
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Interstate: No)
    FDIC's unique #: 10028
    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: December 09, 1940
    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: 110 East Oak Street, West Frankfort, IL 62896
    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: $104.3 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
  • 36Total employees (full-time equivalent)
  • $104,287Total assets
  • $2,723Cash and due from depository institutions
  • $0Interest-bearing balances
  • $49,604Securities
  • $1,000Federal funds sold & reverse repurchase agreements
  • $48,517Net loans & leases
  • $1,708Loan loss allowance
  • $0Trading account assets
  • $885Bank premises and fixed assets
  • $4Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $1,554All other assets
  • $104,287Total liabilities and capital
  • $93,246Total liabilities
  • $92,409Total deposits
  • $85,201Interest-bearing deposits
  • $92,409Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $460Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $377All other liabilities
  • $11,041Total equity capital
  • $11,041Total bank equity capital
  • $11,041Perpetual preferred stock
  • $0Common stock
  • $600Surplus
  • $3,150Undivided profits
  • Memoranda
  • $7,291Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $2,179Earning assets
  • $0Long-term assets (5+ years)
  • $507Average Assets, year-to-date
  • $99,121Average Assets, quarterly
  • $19,579Volatile liabilities
  • $101,498Insider loans
  • $102,803FHLB advances
  • $5,405Loans and leases held for sale
  • $989Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $4,495Total unused commitments
  • $0Restructured Loans and leases
  • $56,879Derivatives

Income and Expense (December 31, 1997)

  • Dollar figures in thousands
  • $7,345Total interest income
  • $3,562Total interest expense
  • $3,783Net interest income
  • $95Provision for loan and lease losses
  • $487Total noninterest income
  • $0Fiduciary activities
  • $240Service charges on deposit accounts
  • $0Trading account gains & fees
  • $247Additional noninterest income
  • $2,164Total noninterest expense
  • $1,131Salaries and employee benefits
  • $244Premises and equipment expense
  • $789Additional noninterest expense
  • $2,011Pre-tax net operating income
  • -$20Securities gains (losses)
  • $631Applicable income taxes
  • $1,360Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,360Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $132Sale, conversion, retirement of capital stock, net
  • $1,750Net operating income

Performance and Condition Ratios (December 31, 1997)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.62%Yield on earning assets
  • 3.70%Cost of funding earning assets
  • 3.92%Net interest margin
  • 0.51%Noninterest income to earning assets
  • 2.25%Noninterest expense to earning assets
  • 1.35%Net operating income to assets
  • 1.34%Return on assets (ROA)
  • 1.96%Pretax return on assets
  • 12.32%Return on equity (ROE)
  • -3.53%Retained earnings to average equity (YTD only)
  • 0.27%Net charge-offs to loans
  • 71.97%Credit loss provision to net charge-offs
  • 15.95%Efficiency ratio
  • 50,679Assets per employee
  • 2.90%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 128.68%Loss allowance to loans
  • 3.40%Loss allowance to noncurrent loans
  • 78.38%Noncurrent assets plus other real estate owned to assets
  • 2.09%Noncurrent loans to loans
  • 4.34%Net loans and leases to deposits
  • 52.50%Net loans and leases to core deposits
  • 55.47%Equity capital to assets
  • 10.59%Core capital (leverage) ratio
  • 10.61%Tier 1 risk-based capital ratio
  • 19.22%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $101,498Average earning assets
  • $11,035Average equity
  • $96,384Average loans

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