FDIC Certificate #: 20454 Status: Active Federal Reserve ID: 915935 Date Established: July 16, 1971 WWW:http://www.edinburgbank.net Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 15585 FDIC's unique #: 14101 Numeric code: 21 Regulator: FDIC 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: July 16, 1971 Last Structure Change Effective Date: March 31, 2006 Last Structure Change Process Date: November 03, 2006 Last Data Update: November 03, 2006 Data Source Date: April 05, 2012
Location
Address: 100 East Washington Street, Edinburg, IL 62531 County: Christian Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Chicago FDIC Field Office: Springfield Il Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: Central Core Based Statistical Area (CBSA): Taylorville, IL (#45380) CBSA Micro Statistical Area: Yes
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $20.7 mil Equity capital: $1.9 mil Deposits held in domestic offices: $18.8 mil Return on assets (ROA): 0.63% ($0.1 mil) Quarterly return on assets: 0.58% ($0.1 mil) Return on Equity (ROE): 6.70% ($0.1 mil) Quarterly return on equity: 6.21% ($0.1 mil) Net income: $0.1 mil Quarterly Net income: $0.0 mil Pretax return on assets: 0.84% ($174.2 mil) Quarterly Pretax return on assets: 0.87% ($180.4 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
3Total employees (full-time equivalent)
$20,738Total assets
$3,882Cash and due from depository institutions
$3,062Interest-bearing balances
$3,768Securities
$0Federal funds sold & reverse repurchase agreements
$12,344Net loans & leases
$71Loan loss allowance
$0Trading account assets
$168Bank premises and fixed assets
$11Other real estate owned
$0Goodwill and other intangibles
$20,738Life insurance assets
$565All other assets
$18,833Total liabilities and capital
$18,771Total liabilities
$15,973Total deposits
$18,771Interest-bearing deposits
$94Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$62Subordinated debt
$1,905All other liabilities
$1,905Total equity capital
$1,905Total bank equity capital
$0Perpetual preferred stock
$350Common stock
$550Surplus
$1,005Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$101Income earned, not collected on loans
$0Earning assets
$121Long-term assets (5+ years)
$19,174Average Assets, year-to-date
$2,235Average Assets, quarterly
$20,203Volatile liabilities
$20,746Insider loans
$13,076FHLB advances
$20,790Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$1,905Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$224Restructured Loans and leases
$411Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$788Total interest income
$240Total interest expense
$548Net interest income
$6Provision for loan and lease losses
$73Total noninterest income
$0Fiduciary activities
$32Service charges on deposit accounts
$0Trading account gains & fees
$41Additional noninterest income
$445Total noninterest expense
$212Salaries and employee benefits
$47Premises and equipment expense
$186Additional noninterest expense
$170Pre-tax net operating income
$0Securities gains (losses)
$42Applicable income taxes
$128Income before extraordinary items
$0Extraordinary gains - net
$128Net income attributable to bank
$0Net charge-offs
$128Cash dividends
$25Sale, conversion, retirement of capital stock, net
$87Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.20%Yield on earning assets
1.28%Cost of funding earning assets
2.92%Net interest margin
0.39%Noninterest income to earning assets
2.37%Noninterest expense to earning assets
0.63%Net operating income to assets
0.63%Return on assets (ROA)
0.84%Pretax return on assets
6.70%Return on equity (ROE)
2.15%Retained earnings to average equity (YTD only)
0.21%Net charge-offs to loans
24.00%Credit loss provision to net charge-offs
7.04%Efficiency ratio
71,659Assets per employee
6.91%Cash dividends to net income (YTD only)
Condition Ratios (%)
67.97%Loss allowance to loans
0.57%Loss allowance to noncurrent loans
70.30%Noncurrent assets plus other real estate owned to assets
0.54%Noncurrent loans to loans
0.81%Net loans and leases to deposits
65.76%Net loans and leases to core deposits
65.76%Equity capital to assets
9.19%Core capital (leverage) ratio
9.16%Tier 1 risk-based capital ratio
14.57%Total risk-based capital ratio
Memoranda
$15Average assets
$20,203Average earning assets
$1,910Average equity
$18,772Average loans
List of branches
1 Illinois Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
14101
Citizens Bank Of Edinburg
100 East Washington Street, Edinburg, IL 62531
July 16, 1971
Full Service Brick and Mortar
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