Citizens Community Bank of Decatur in Decatur, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 13, 2006

  • Citizens Community Bank of Decatur in Decatur, Illinois (IL)
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Citizens Community Bank of Decatur - Overview

  • General
  • FDIC Certificate #: 34082
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Buena Vista National Bank (#10844)
    Federal Reserve ID: 2356064
    Date Established: October 30, 1995
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Interstate: No)
    FDIC's unique #: 56219
    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: October 30, 1995
    Last Structure Change Effective Date: January 13, 2006
    Last Structure Change Process Date: January 26, 2006
    Last Data Update: January 26, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 3795 North Woodford Street, Decatur, IL 62526
    County: Macon
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Champaign
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Decatur, IL (#2040)
    Core Based Statistical Area (CBSA): Decatur, IL (#19500)
    CBSA Metro Statistical Area: Decatur, IL (#19500)
  • Financial Summary
  • Total assets: $13.4 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, 2005)

  • Dollar figures in thousands
  • 10Total employees (full-time equivalent)
  • $13,397Total assets
  • $562Cash and due from depository institutions
  • $12Interest-bearing balances
  • $3,399Securities
  • $398Federal funds sold & reverse repurchase agreements
  • $8,113Net loans & leases
  • $162Loan loss allowance
  • $0Trading account assets
  • $392Bank premises and fixed assets
  • $215Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $318All other assets
  • $13,397Total liabilities and capital
  • $12,205Total liabilities
  • $12,006Total deposits
  • $10,252Interest-bearing deposits
  • $12,006Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $140Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $59All other liabilities
  • $1,192Total equity capital
  • $1,192Total bank equity capital
  • $1,192Perpetual preferred stock
  • $0Common stock
  • $2,549Surplus
  • $1,923Undivided profits
  • Memoranda
  • $-3,280Noncurrent loans and leases
  • $629Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $406Earning assets
  • $0Long-term assets (5+ years)
  • $69Average Assets, year-to-date
  • $11,922Average Assets, quarterly
  • $246Volatile liabilities
  • $13,937Insider loans
  • $13,598FHLB advances
  • $2,918Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $629Total unused commitments
  • $0Restructured Loans and leases
  • $112Derivatives

Income and Expense (December 31, 2005)

  • Dollar figures in thousands
  • $707Total interest income
  • $346Total interest expense
  • $361Net interest income
  • -$27Provision for loan and lease losses
  • $131Total noninterest income
  • $0Fiduciary activities
  • $25Service charges on deposit accounts
  • $0Trading account gains & fees
  • $106Additional noninterest income
  • $749Total noninterest expense
  • $396Salaries and employee benefits
  • $111Premises and equipment expense
  • $242Additional noninterest expense
  • -$230Pre-tax net operating income
  • -$1Securities gains (losses)
  • $0Applicable income taxes
  • -$231Income before extraordinary items
  • $0Extraordinary gains - net
  • -$231Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $68Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2005)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.77%Yield on earning assets
  • 2.82%Cost of funding earning assets
  • 2.95%Net interest margin
  • 1.07%Noninterest income to earning assets
  • 6.11%Noninterest expense to earning assets
  • -1.65%Net operating income to assets
  • -1.66%Return on assets (ROA)
  • -1.66%Pretax return on assets
  • -16.72%Return on equity (ROE)
  • -16.72%Retained earnings to average equity (YTD only)
  • 0.79%Net charge-offs to loans
  • -39.71%Credit loss provision to net charge-offs
  • -3.78%Efficiency ratio
  • 152,236Assets per employee
  • 1.34%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.96%Loss allowance to noncurrent loans
  • 39.90%Noncurrent assets plus other real estate owned to assets
  • 4.64%Noncurrent loans to loans
  • 4.91%Net loans and leases to deposits
  • 67.57%Net loans and leases to core deposits
  • 87.92%Equity capital to assets
  • 8.90%Core capital (leverage) ratio
  • 9.20%Tier 1 risk-based capital ratio
  • 13.38%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $13,937Average earning assets
  • $1,381Average equity
  • $12,257Average loans

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