Chillicothe State Bank in Chillicothe, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of May 02, 1995

  • Chillicothe State Bank in Chillicothe, Illinois (IL)
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Chillicothe State Bank - Overview

  • General
  • FDIC Certificate #: 20366
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Commerce Bank, National Association (#3726)
    Federal Reserve ID: 220639
    Date Established: Febuary 15, 1971
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Interstate: No)
    FDIC's unique #: 14029
    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: Febuary 15, 1971
    Last Structure Change Effective Date: May 02, 1995
    Last Structure Change Process Date: May 15, 1995
    Last Data Update: May 15, 1995
    Data Source Date: April 05, 2012
  • Location
  • Address: 1057 North Second Street, Chillicothe, IL 61523
    County: Peoria
    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
    Metropolitan Statistical Area (MSA): Peoria-Pekin, IL (#6120)
    Combined Statistical Area (CSA): Peoria-Canton, IL (#426)
    Core Based Statistical Area (CBSA): Peoria, IL (#37900)
    CBSA Metro Statistical Area: Peoria, IL (#37900)
  • Financial Summary
  • Total assets: $22.7 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $12Total assets
  • $23,827Cash and due from depository institutions
  • $1,020Interest-bearing balances
  • $0Securities
  • $10,078Federal funds sold & reverse repurchase agreements
  • $600Net loans & leases
  • $11,488Loan loss allowance
  • $95Trading account assets
  • $0Bank premises and fixed assets
  • $266Other real estate owned
  • $130Goodwill and other intangibles
  • $245Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $23,827Total liabilities
  • $21,645Total deposits
  • $21,587Interest-bearing deposits
  • $18,695Deposits held in domestic offices
  • 21587.00%% insured (estimated)
  • $91Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $58Total equity capital
  • $58Total bank equity capital
  • $2,182Perpetual preferred stock
  • $0Common stock
  • $240Surplus
  • $1,260Undivided profits
  • Memoranda
  • $682Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $163Income earned, not collected on loans
  • $69Earning assets
  • $22,166Long-term assets (5+ years)
  • $1,561Average Assets, year-to-date
  • $24,126Average Assets, quarterly
  • $24,025Volatile liabilities
  • $1,946Insider loans
  • $143FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $335Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $2,243Total risk weighted assets
  • $12,739Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1994)

  • Dollar figures in thousands
  • $0Total interest income
  • $1,642Total interest expense
  • $642Net interest income
  • $1,000Provision for loan and lease losses
  • $121Total noninterest income
  • $128Fiduciary activities
  • $0Service charges on deposit accounts
  • $82Trading account gains & fees
  • $0Additional noninterest income
  • $46Total noninterest expense
  • $675Salaries and employee benefits
  • $365Premises and equipment expense
  • $56Additional noninterest expense
  • $254Pre-tax net operating income
  • $332Securities gains (losses)
  • -$6Applicable income taxes
  • $94Income before extraordinary items
  • $232Extraordinary gains - net
  • $0Net income attributable to bank
  • $232Net charge-offs
  • $121Cash dividends
  • $60Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1994)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.37%Cost of funding earning assets
  • 2.88%Net interest margin
  • 4.49%Noninterest income to earning assets
  • 0.57%Noninterest expense to earning assets
  • 3.03%Net operating income to assets
  • 0.98%Return on assets (ROA)
  • 0.96%Pretax return on assets
  • 1.35%Return on equity (ROE)
  • 10.85%Retained earnings to average equity (YTD only)
  • 8.05%Net charge-offs to loans
  • 1.08%Credit loss provision to net charge-offs
  • 100.00%Efficiency ratio
  • 59,840Assets per employee
  • 1.99%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 25.86%Loss allowance to loans
  • 0.82%Loss allowance to noncurrent loans
  • 58.28%Noncurrent assets plus other real estate owned to assets
  • 1.23%Noncurrent loans to loans
  • 1.41%Net loans and leases to deposits
  • 53.22%Net loans and leases to core deposits
  • 58.49%Equity capital to assets
  • 9.16%Core capital (leverage) ratio
  • 9.30%Tier 1 risk-based capital ratio
  • 17.61%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $24,126Average earning assets
  • $2,137Average equity
  • $22,279Average loans

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