Centralia Savings Bank in Centralia, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of July 14, 2000

  • Centralia Savings Bank in Centralia, Illinois (IL)
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Centralia Savings Bank - Overview

  • General
  • 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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