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

This bank is inactive as of August 18, 2000

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

  • General
  • FDIC 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
  • Location
  • Address: 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 Summary
  • Total 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
  • 9Total employees (full-time equivalent)
  • $22,124Total assets
  • $1,146Cash and due from depository institutions
  • $0Interest-bearing balances
  • $7,163Securities
  • $2,005Federal funds sold & reverse repurchase agreements
  • $10,325Net loans & leases
  • $118Loan loss allowance
  • $0Trading account assets
  • $427Bank premises and fixed assets
  • $0Other real estate owned
  • $825Goodwill and other intangibles
  • $0Life insurance assets
  • $233All other assets
  • $22,124Total liabilities and capital
  • $19,380Total liabilities
  • $19,142Total deposits
  • $17,271Interest-bearing deposits
  • $19,142Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $238All other liabilities
  • $2,744Total equity capital
  • $2,744Total bank equity capital
  • $2,744Perpetual preferred stock
  • $0Common stock
  • $260Surplus
  • $2,399Undivided profits
  • Memoranda
  • $85Noncurrent loans and leases
  • $983Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $136Earning assets
  • $0Long-term assets (5+ years)
  • $130Average Assets, year-to-date
  • $19,493Average Assets, quarterly
  • $1,633Volatile liabilities
  • $21,547Insider loans
  • $21,640FHLB advances
  • $2,137Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $983Total unused commitments
  • $0Restructured Loans and leases
  • $118Derivatives

Income and Expense (December 31, 1999)

  • Dollar figures in thousands
  • $874Total interest income
  • $421Total interest expense
  • $453Net interest income
  • $0Provision for loan and lease losses
  • $31Total noninterest income
  • $0Fiduciary activities
  • $14Service charges on deposit accounts
  • $0Trading account gains & fees
  • $17Additional noninterest income
  • $319Total noninterest expense
  • $146Salaries and employee benefits
  • $71Premises and equipment expense
  • $102Additional noninterest expense
  • $165Pre-tax net operating income
  • $0Securities gains (losses)
  • $8Applicable income taxes
  • $157Income before extraordinary items
  • $0Extraordinary gains - net
  • $157Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • -$12Sale, conversion, retirement of capital stock, net
  • $900Net operating income

Performance and Condition Ratios (December 31, 1999)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.48%Yield on earning assets
  • 2.16%Cost of funding earning assets
  • 2.32%Net interest margin
  • 0.16%Noninterest income to earning assets
  • 1.64%Noninterest expense to earning assets
  • 0.73%Net operating income to assets
  • 0.73%Return on assets (ROA)
  • 0.77%Pretax return on assets
  • 5.26%Return on equity (ROE)
  • -24.89%Retained earnings to average equity (YTD only)
  • -0.11%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 60,950Assets per employee
  • 2.46%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 573.25%Loss allowance to loans
  • 1.13%Loss allowance to noncurrent loans
  • 86.76%Noncurrent assets plus other real estate owned to assets
  • 0.61%Noncurrent loans to loans
  • 1.30%Net loans and leases to deposits
  • 53.94%Net loans and leases to core deposits
  • 60.72%Equity capital to assets
  • 12.40%Core capital (leverage) ratio
  • 9.32%Tier 1 risk-based capital ratio
  • 16.95%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $21,547Average earning assets
  • $2,985Average equity
  • $19,509Average loans

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