Benld Loan Association in Benld, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of July 08, 1993

  • Benld Loan Association in Benld, Illinois (IL)
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Benld Loan Association - Overview

  • General
  • FDIC Certificate #: 30536
    Status: Inactive
    Closing history: Absorption - Without Assistance
    Acquiring institution: The First National Bank in Staunton (#14924)
    Federal Reserve ID: 185578
    Date Established: January 01, 1921
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 5513
    FDIC's unique #: 43370
    Numeric code: 36
    Regulator: OTS
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    FDIC Insured: Yes
    SAIF Insured: Yes
    Insured Savings Institution: Yes
    State Chartered: Yes
    Date of Deposit Insurance: July 14, 1952
    Last Structure Change Effective Date: July 08, 1993
    Last Structure Change Process Date: July 21, 1993
    Last Data Update: July 21, 1993
    Data Source Date: April 05, 2012
  • Location
  • Address: 105 North Main Street, Benld, IL 62009
    County: Macoupin
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Springfield Il
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Combined Statistical Area (CSA): St. Louis-St. Charles-Farmington, MO-IL (#476)
    Core Based Statistical Area (CBSA): St. Louis, MO-IL (#41180)
    CBSA Metro Statistical Area: St. Louis, MO-IL (#41180)
  • Financial Summary
  • Total assets: $5.1 mil

Assets and Liabilities (December 31, 1992)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $2Total assets
  • $5,475Cash and due from depository institutions
  • $130Interest-bearing balances
  • $120Securities
  • $1,288Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $3,804Loan loss allowance
  • $112Trading account assets
  • $0Bank premises and fixed assets
  • $81Other real estate owned
  • $104Goodwill and other intangibles
  • $68Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $5,475Total liabilities
  • $5,330Total deposits
  • $5,213Interest-bearing deposits
  • $5,212Deposits held in domestic offices
  • 5213.00%% insured (estimated)
  • $100Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $117Total equity capital
  • $117Total bank equity capital
  • $145Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $0Undivided profits
  • Memoranda
  • $145Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $398Income earned, not collected on loans
  • $10Earning assets
  • $5,212Long-term assets (5+ years)
  • $0Average Assets, year-to-date
  • $5,748Average Assets, quarterly
  • $5,540Volatile liabilities
  • $0Insider loans
  • $0FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $145Total risk weighted assets
  • $2,735Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1992)

  • Dollar figures in thousands
  • $0Total interest income
  • $467Total interest expense
  • $363Net interest income
  • $104Provision for loan and lease losses
  • $79Total noninterest income
  • $2Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $0Additional noninterest income
  • $2Total noninterest expense
  • $121Salaries and employee benefits
  • $67Premises and equipment expense
  • $3Additional noninterest expense
  • $51Pre-tax net operating income
  • -$94Securities gains (losses)
  • -$2Applicable income taxes
  • -$8Income before extraordinary items
  • -$88Extraordinary gains - net
  • $0Net income attributable to bank
  • -$88Net charge-offs
  • $0Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1992)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.48%Cost of funding earning assets
  • 6.59%Net interest margin
  • 1.89%Noninterest income to earning assets
  • 0.04%Noninterest expense to earning assets
  • 2.20%Net operating income to assets
  • -1.50%Return on assets (ROA)
  • -1.53%Pretax return on assets
  • -1.67%Return on equity (ROE)
  • -41.79%Retained earnings to average equity (YTD only)
  • -41.79%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 114,151Assets per employee
  • 2.74%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.86%Loss allowance to noncurrent loans
  • 28.14%Noncurrent assets plus other real estate owned to assets
  • 9.17%Noncurrent loans to loans
  • 10.16%Net loans and leases to deposits
  • 72.97%Net loans and leases to core deposits
  • 72.97%Equity capital to assets
  • 2.65%Core capital (leverage) ratio
  • 2.65%Tier 1 risk-based capital ratio
  • 5.30%Total risk-based capital ratio
  • Memoranda
  • $7Average assets
  • $5,748Average earning assets
  • $211Average equity
  • $5,508Average loans

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