Cisne State Bank in Cisne, Illinois (IL)



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Cisne State Bank
GeneralFDIC Certificate #: 11313
Status: Inactive
Closing history: Consolidated - Without Assistance
Acquiring institution: TrustBank (#14662)
Federal Reserve ID: 214647
Date Established: January 01, 1902
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 1 (Interstate: No)
FDIC's unique #: 7224
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: August 18, 2000
Last Structure Change Process Date: August 28, 2000
Last Data Update: August 28, 2000
Data Source Date: April 05, 2012
LocationAddress: Main Street, Cisne, IL 62823
County: Wayne
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
Financial SummaryTotal assets: $22.3 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)
Total employees (full-time equivalent)9
Total assets$22,124
Cash and due from depository institutions$1,146
Interest-bearing balances$0
Securities$7,163
Federal funds sold & reverse repurchase agreements$2,005
Net loans & leases$10,325
Loan loss allowance $118
Trading account assets$0
Bank premises and fixed assets$427
Other real estate owned$0
Goodwill and other intangibles$825
All other assets$233
Life insurance assets$0
Total liabilities and capital$22,124
Total liabilities$19,380
Total deposits$19,142
Interest-bearing deposits$17,271
Deposits held in domestic offices$19,142
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $0
All other liabilities $238
Total equity capital$2,744
Total bank equity capital$2,744
Perpetual preferred stock$2,744
Common stock$0
Surplus$260
Undivided profits $2,399
Memoranda
Noncurrent loans and leases $85
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $983
Income earned, not collected on loans $0
Earning assets $136
Long-term assets (5+ years) $0
Average Assets, year-to-date $130
Average Assets, quarterly $19,493
Volatile liabilities $1,633
Insider loans $21,547
FHLB advances $21,640
Loans and leases held for sale $2,137
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $0
Total risk weighted assets $0
Total unused commitments $983
Restructured Loans and leases $0
Derivatives$118
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Income and Expense (December 31, 1999)
(Dollar figures in thousands)
Total interest income $874
Total interest expense $421
Net interest income $453
Provision for loan and lease losses $0
Total noninterest income $31
Fiduciary activities $0
Service charges on deposit accounts $14
Trading account gains & fees $0
Additional noninterest income $17
Total noninterest expense $319
Salaries and employee benefits $146
Premises and equipment expense $71
Additional noninterest expense $102
Pre-tax net operating income $165
Securities gains (losses) $0
Applicable income taxes $8
Income before extraordinary items $157
Extraordinary gains - net $0
Net income attributable to bank $157
Net charge-offs $0
Cash dividends $0
Sale, conversion, retirement of capital stock, net -$12
Net operating income $900
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Performance and Condition Ratios (December 31, 1999)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.48%
Cost of funding earning assets 2.16%
Net interest margin 2.32%
Noninterest income to earning assets 0.16%
Noninterest expense to earning assets 1.64%
Net operating income to assets 0.73%
Return on assets (ROA) 0.73%
Pretax return on assets 0.77%
Return on equity (ROE) 5.26%
Retained earnings to average equity (YTD only) -24.89%
Net charge-offs to loans -0.11%
Credit loss provision to net charge-offs 0.00%
Efficiency ratio0.00%
Assets per employee$60,950
Cash dividends to net income (YTD only)2.46%
Condition Ratios (%)
Loss allowance to loans 573.25%
Loss allowance to noncurrent loans 1.13%
Noncurrent assets plus other real estate owned to assets 86.76%
Noncurrent loans to loans 0.61%
Net loans and leases to deposits1.30%
Net loans and leases to core deposits 53.94%
Equity capital to assets 60.72%
Core capital (leverage) ratio 12.40%
Tier 1 risk-based capital ratio 9.32%
Total risk-based capital ratio 16.95%
Memoranda
Average assets$18
Average earning assets$21,547
Average equity $2,985
Average loans $19,509
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