FDIC Certificate #: 31048 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Midland States Bank (#1040) Federal Reserve ID: 605870 Date Established: January 01, 1879 Bank Charter Class: Savings banks, state charter, supervised by the FDIC Offices: 2 (Interstate: No) OTS Docket #: 6307 FDIC's unique #: 43882 Numeric code: 41 Regulator: FDIC 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: June 30, 1959 Last Structure Change Effective Date: July 14, 2000 Last Structure Change Process Date: July 18, 2000 Last Data Update: July 18, 2000 Data Source Date: April 05, 2012
Location
Address: 200 South Poplar Street, Centralia, IL 62801 County: Marion 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): Centralia, IL (#16460) CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $49.1 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 1999)
Dollar figures in thousands
17Total employees (full-time equivalent)
$50,504Total assets
$2,029Cash and due from depository institutions
$794Interest-bearing balances
$17,306Securities
$0Federal funds sold & reverse repurchase agreements
$29,410Net loans & leases
$225Loan loss allowance
$0Trading account assets
$673Bank premises and fixed assets
$0Other real estate owned
$524Goodwill and other intangibles
$0Life insurance assets
$562All other assets
$50,504Total liabilities and capital
$40,423Total liabilities
$38,574Total deposits
$36,737Interest-bearing deposits
$38,574Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$1,605Other borrowed funds
$0Subordinated debt
$245All other liabilities
$10,081Total equity capital
$10,081Total bank equity capital
$10,081Perpetual preferred stock
$0Common stock
$1Surplus
$3,470Undivided profits
Memoranda
$6,610Noncurrent loans and leases
$2,232Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$168Earning assets
$0Long-term assets (5+ years)
$123Average Assets, year-to-date
$47,510Average Assets, quarterly
$14,103Volatile liabilities
$48,605Insider loans
$49,739FHLB advances
$4,618Loans and leases held for sale
$635Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$2,232Total unused commitments
$0Restructured Loans and leases
$225Derivatives
Income and Expense (December 31, 1999)
Dollar figures in thousands
$3,292Total interest income
$1,550Total interest expense
$1,742Net interest income
$68Provision for loan and lease losses
$134Total noninterest income
$0Fiduciary activities
$85Service charges on deposit accounts
$0Trading account gains & fees
$49Additional noninterest income
$1,300Total noninterest expense
$619Salaries and employee benefits
$103Premises and equipment expense
$578Additional noninterest expense
$508Pre-tax net operating income
$0Securities gains (losses)
$115Applicable income taxes
$393Income before extraordinary items
$0Extraordinary gains - net
$393Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$20Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 1999)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.18%Yield on earning assets
3.38%Cost of funding earning assets
3.80%Net interest margin
0.29%Noninterest income to earning assets
2.84%Noninterest expense to earning assets
0.81%Net operating income to assets
0.81%Return on assets (ROA)
1.05%Pretax return on assets
3.94%Return on equity (ROE)
3.94%Retained earnings to average equity (YTD only)
0.07%Net charge-offs to loans
340.00%Credit loss provision to net charge-offs
28.80%Efficiency ratio
66,045Assets per employee
2.97%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.76%Loss allowance to noncurrent loans
133.93%Noncurrent assets plus other real estate owned to assets
0.33%Noncurrent loans to loans
0.57%Net loans and leases to deposits
76.24%Net loans and leases to core deposits
83.18%Equity capital to assets
19.96%Core capital (leverage) ratio
19.40%Tier 1 risk-based capital ratio
40.30%Total risk-based capital ratio
Memoranda
$41Average assets
$48,605Average earning assets
$9,982Average equity
$45,839Average loans
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