Central Bank Fulton in Fulton, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of December 28, 2004

  • Central Bank Fulton in Fulton, Illinois (IL)
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Central Bank Fulton - Overview

  • General
  • FDIC Certificate #: 5736
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Central Bank Illinois (#11670)
    Federal Reserve ID: 608938
    Date Established: May 05, 1902
    WWW: http://www.central-bank.com
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Interstate: No)
    OTS Docket #: 14322
    FDIC's unique #: 3911
    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: December 28, 2004
    Last Structure Change Process Date: January 12, 2005
    Last Data Update: January 12, 2005
    Data Source Date: April 05, 2012
  • Location
  • Address: 1404 14th Avenue, Fulton, IL 61252
    County: Whiteside
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Princeton
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Core Based Statistical Area (CBSA): Sterling, IL (#44580)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $54.5 mil

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

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2003)

  • Dollar figures in thousands
  • 15Total employees (full-time equivalent)
  • $55,681Total assets
  • $3,761Cash and due from depository institutions
  • $1,128Interest-bearing balances
  • $20,497Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $26,308Net loans & leases
  • $506Loan loss allowance
  • $0Trading account assets
  • $2,031Bank premises and fixed assets
  • $0Other real estate owned
  • $2,226Goodwill and other intangibles
  • $0Life insurance assets
  • $858All other assets
  • $55,681Total liabilities and capital
  • $48,131Total liabilities
  • $42,824Total deposits
  • $38,960Interest-bearing deposits
  • $42,824Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $3,285Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $1,500Other borrowed funds
  • $0Subordinated debt
  • $522All other liabilities
  • $7,550Total equity capital
  • $7,550Total bank equity capital
  • $7,550Perpetual preferred stock
  • $0Common stock
  • $376Surplus
  • $6,314Undivided profits
  • Memoranda
  • $860Noncurrent loans and leases
  • $3,124Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $227Earning assets
  • $0Long-term assets (5+ years)
  • $376Average Assets, year-to-date
  • $47,933Average Assets, quarterly
  • $12,915Volatile liabilities
  • $54,988Insider loans
  • $55,541FHLB advances
  • $8,129Loans and leases held for sale
  • $0Unused loan commitments
  • $1,500Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $3,124Total unused commitments
  • $0Restructured Loans and leases
  • $424Derivatives

Income and Expense (December 31, 2003)

  • Dollar figures in thousands
  • $2,605Total interest income
  • $942Total interest expense
  • $1,663Net interest income
  • $0Provision for loan and lease losses
  • $304Total noninterest income
  • $1Fiduciary activities
  • $141Service charges on deposit accounts
  • $0Trading account gains & fees
  • $162Additional noninterest income
  • $1,554Total noninterest expense
  • $879Salaries and employee benefits
  • $249Premises and equipment expense
  • $426Additional noninterest expense
  • $413Pre-tax net operating income
  • $119Securities gains (losses)
  • $122Applicable income taxes
  • $410Income before extraordinary items
  • $0Extraordinary gains - net
  • $410Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $78Sale, conversion, retirement of capital stock, net
  • $34Net operating income

Performance and Condition Ratios (December 31, 2003)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.49%Yield on earning assets
  • 1.99%Cost of funding earning assets
  • 3.51%Net interest margin
  • 0.64%Noninterest income to earning assets
  • 3.28%Noninterest expense to earning assets
  • 0.58%Net operating income to assets
  • 0.75%Return on assets (ROA)
  • 0.97%Pretax return on assets
  • 5.56%Return on equity (ROE)
  • 5.10%Retained earnings to average equity (YTD only)
  • 0.30%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 5.29%Efficiency ratio
  • 74,021Assets per employee
  • 3.71%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 8.29%Loss allowance to loans
  • 1.89%Loss allowance to noncurrent loans
  • 222.91%Noncurrent assets plus other real estate owned to assets
  • 0.41%Noncurrent loans to loans
  • 0.85%Net loans and leases to deposits
  • 61.43%Net loans and leases to core deposits
  • 66.64%Equity capital to assets
  • 13.56%Core capital (leverage) ratio
  • 9.75%Tier 1 risk-based capital ratio
  • 15.28%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $54,988Average earning assets
  • $7,375Average equity
  • $47,416Average loans

Total Fiduciary and Related Assets (December 31, 2003)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $659Managed Assets
  • 1Number of Accounts
  • $488Personal trust and agency accounts
  • $488Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 5Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $171Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $171Fiduciary accounts held in foreign offices

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