Centrue Bank in Streator, Illinois (IL), MO
Overview, Financial Summary, Detailed Financial Reports, Branches


Centrue Bank - Overview

  • General
  • FDIC Certificate #: 3744
    Status: Active
    Federal Reserve ID: 457547
    Bank Holding Company (Regulatory Top Holder): Centrue Financial Corporation (RSSDID: 1206591, Location: Clayton, MO)
    Date Established: August 24, 1874
    WWW: http://www.centrue.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 28 (Domestic: 28, Interstate: Yes)
    OTS Docket #: 12025
    FDIC's unique #: 2409
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: June 22, 2007
    Last Structure Change Process Date: June 27, 2007
    Last Data Update: June 27, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 201 East Main Street, Streator, IL 61364
    County: La Salle
    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): Ottawa-Streator, IL (#36860)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Participated in Absorption/Consolidation/Merger
    Office Sold
  • Financial Summary
  • Total assets: $964.9 mil
    Equity capital: $67.2 mil
    Deposits held in domestic offices: $850.6 mil
    Return on assets (ROA): -0.85% (-$8.2 mil)
    Quarterly return on assets: 0.25% ($2.4 mil)
    Return on Equity (ROE): -12.52% (-$8.4 mil)
    Quarterly return on equity: 3.68% ($2.5 mil)
    Net income: -$8.8 mil
    Quarterly Net income: $0.6 mil
    Pretax return on assets: -0.97% (-$9,359.9 mil)
    Quarterly Pretax return on assets: 0.23% ($2,219.4 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, 2011)

  • Dollar figures in thousands
  • 278Total employees (full-time equivalent)
  • $964,939Total assets
  • $64,735Cash and due from depository institutions
  • $33,065Interest-bearing balances
  • $227,033Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $566,700Net loans & leases
  • $21,232Loan loss allowance
  • $0Trading account assets
  • $23,754Bank premises and fixed assets
  • $29,667Other real estate owned
  • $7,353Goodwill and other intangibles
  • $964,939Life insurance assets
  • $45,697All other assets
  • $897,711Total liabilities and capital
  • $850,624Total liabilities
  • $779,785Total deposits
  • $850,624Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 18036.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $23,058Trading liabilities
  • $0Other borrowed funds
  • $5,993Subordinated debt
  • $67,228All other liabilities
  • $67,228Total equity capital
  • $67,228Total bank equity capital
  • $0Perpetual preferred stock
  • $1,270Common stock
  • $141,999Surplus
  • $-76,041Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $1,776Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $44,723Income earned, not collected on loans
  • $0Earning assets
  • $3,005Long-term assets (5+ years)
  • $826,798Average Assets, year-to-date
  • $85,684Average Assets, quarterly
  • $1,032,526Volatile liabilities
  • $985,385Insider loans
  • $667,468FHLB advances
  • $992,037Loans and leases held for sale
  • $31,412Unused loan commitments
  • $26,175Tier 1 (core) risk-based capital
  • $60,133Tier 2 risk-based capital
  • $4,440Total risk weighted assets
  • $797Total unused commitments
  • $107,566Restructured Loans and leases
  • $1,961Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $39,064Total interest income
  • $9,740Total interest expense
  • $29,324Net interest income
  • $11,375Provision for loan and lease losses
  • $11,028Total noninterest income
  • $0Fiduciary activities
  • $4,599Service charges on deposit accounts
  • $0Trading account gains & fees
  • $6,429Additional noninterest income
  • $39,630Total noninterest expense
  • $13,854Salaries and employee benefits
  • $4,287Premises and equipment expense
  • $21,489Additional noninterest expense
  • -$10,653Pre-tax net operating income
  • $658Securities gains (losses)
  • -$1,243Applicable income taxes
  • -$8,752Income before extraordinary items
  • $0Extraordinary gains - net
  • -$8,752Net income attributable to bank
  • $0Net charge-offs
  • -$8,752Cash dividends
  • $21,654Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.36%Yield on earning assets
  • 1.09%Cost of funding earning assets
  • 3.27%Net interest margin
  • 1.23%Noninterest income to earning assets
  • 4.42%Noninterest expense to earning assets
  • -0.90%Net operating income to assets
  • -0.85%Return on assets (ROA)
  • -0.97%Pretax return on assets
  • -12.52%Return on equity (ROE)
  • -12.52%Retained earnings to average equity (YTD only)
  • 3.25%Net charge-offs to loans
  • 52.53%Credit loss provision to net charge-offs
  • 0.03%Efficiency ratio
  • 95,661Assets per employee
  • 3.47%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.61%Loss allowance to noncurrent loans
  • 47.47%Noncurrent assets plus other real estate owned to assets
  • 7.71%Noncurrent loans to loans
  • 7.61%Net loans and leases to deposits
  • 66.62%Net loans and leases to core deposits
  • 74.96%Equity capital to assets
  • 6.97%Core capital (leverage) ratio
  • 6.06%Tier 1 risk-based capital ratio
  • 9.01%Total risk-based capital ratio
  • Memoranda
  • $10Average assets
  • $1,032,526Average earning assets
  • $69,885Average equity
  • $895,832Average loans

Total Fiduciary and Related Assets (December 31, 2008)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $44,487Managed Assets
  • 1Number of Accounts
  • $32,034Personal trust and agency accounts
  • $21,404Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $1,034Other retirement accounts
  • $2,579Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $7,017Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 513Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $12,453Other retirement accounts
  • $101Corporate trust and agency accounts
  • $10,270Other fiduciary accounts
  • $929Fiduciary accounts held in foreign offices

Bank Assets Sold and Securitized (December 31, 2002)

  • Dollar figures in thousands
  • Principal balance with servicing or other recourse retained
  • $289,8751-4 family residential loans
  • $0Home equity lines
  • $0Credit cards receivables
  • $0Auto loans
  • $0Other consumer loans
  • $2,250Commercial and industrial loans
  • $8,290All other loans and all leases
  • Past due loan amounts 30-89 days (included in principal balance)
  • $631-4 family residential loans
  • $0>Home equity lines
  • $0Credit cards receivables
  • $0Auto loans
  • $0Other consumer loans
  • $751Commercial and industrial loans
  • $0All other loans and all leases
  • Past due loan amounts 90 days or more (included in principal balance)
  • $01-4 family residential loans
  • $0>Home equity lines
  • $0Credit cards receivables
  • $0Auto loans
  • $0Other consumer loans
  • $491Commercial and industrial loans
  • $0All other loans and all leases

List of branches

  • 27 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02409Centrue Bank201 East Main Street, Streator, IL 61364August 24, 1874Full Service Brick and Mortar
    2201861Streator Northpoint Branch24 Danny's Drive, Streator, IL 61364October 22, 1986Full Service Brick and Mortar
    32415Ottawa North Branch400 Etna Road, Ottawa, IL 61350March 05, 1905Full Service Brick and Mortar
    511258Ottawa Lending Center & Executive Of122 West Madison Street, Ottawa, IL 61350June 22, 1953Limited Service Administrative
    6241118Ottawa Columbus Str Branch119 West Jefferson Street, Ottawa, IL 61350June 11, 1973Full Service Brick and Mortar
    8201862Peru Branch1311 Shooting Park Road, Peru, IL 61354October 16, 1995Full Service Brick and Mortar
    932048Sandwich Branch202 Indian Springs Drive, Sandwich, IL 60548December 22, 1984Full Service Brick and Mortar
    10258225Plano Branch15 West South Street, Plano, IL 60545May 08, 1995Full Service Brick and Mortar
    1210397Princeton South Branch601 South Main Street, Princeton, IL 61356October 02, 1944Full Service Brick and Mortar
    15201763Princeton North Branch1839 North Main Street, Princeton, IL 61356Febuary 22, 1994Full Service Brick and Mortar
    17237579Union Bank/Central3512 E Lincolnway Suite B, Sterling, IL 61081November 17, 1998Limited Service Loan Production
    18425127Yorkville Branch208 East Veteran's Parkway, Yorkville, IL 60560December 10, 2003Full Service Brick and Mortar
    2762041Streator Operations Center200 East Main Street, Streator, IL 61364April 01, 1998Limited Service Administrative
    286963Kankakee Branch310 South Schuyler Avenue, Kankakee, IL 60901December 30, 1920Full Service Brick and Mortar
    29223055St. Rose Facility Branch180001 St. Rose Road, Breese, IL 62230October 09, 1984Full Service Brick and Mortar
    30419255Fairview Heights Branch303 Fountains Parkway, Fairview Heights, IL 62208June 16, 2003Full Service Brick and Mortar
    3140516Aviston Branch101 South Page, Aviston, IL 62216January 01, 1885Full Service Brick and Mortar
    32262817Manteno Branch310 West Section Line Road, Manteno, IL 60950January 01, 1885Full Service Brick and Mortar
    33262818Bourbonnais Branch680 South Main Street, Bourbonnais, IL 60914January 01, 1885Full Service Brick and Mortar
    34262819Dwight Branch302 West Mazon Avenue, Dwight, IL 60420January 01, 1885Full Service Brick and Mortar
    36262821Herscher Branch654 North Park Road, Herscher, IL 60941January 01, 1885Full Service Brick and Mortar
    382322Coal City Branch660 South Broadway, Coal City, IL 60416January 01, 1912Full Service Brick and Mortar
    39201662Diamond Connection Facility1275 East Division Street, Diamond, IL 60416June 14, 1982Full Service Brick and Mortar
    40201663Braidwood Branch180 North Front, Braidwood, IL 60408January 16, 1996Full Service Brick and Mortar
    44429758Bradley Branch980 North Kinzie Avenue, Bradley, IL 60915October 01, 2003Full Service Brick and Mortar
    46454745Momence Branch200 West Washington Street, Momence, IL 60954August 28, 2006Full Service Brick and Mortar
    48458039Belleville Branch525 West Main Street, Belleville, IL 62220January 16, 2007Full Service Brick and Mortar
  • 1 Missouri Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    55465461Clayton Branch7700 Bonhomme Avenue, Suite 300, Clayton, MO 63105June 22, 2007Full Service Retail

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