City Bank of Bloomington-Normal in Bloomington, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of July 20, 1995

City Bank of Bloomington-Normal in Bloomington, Illinois (IL)
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City Bank of Bloomington-Normal - Overview

General
FDIC Certificate #: 16095
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: The First National Bank of Central Illinois (#3739)
Federal Reserve ID: 577744
Date Established: October 20, 1943
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 1 (Interstate: No)
FDIC's unique #: 10312
Numeric code: 13
Regulator: FED
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 20, 1943
Last Structure Change Effective Date: July 20, 1995
Last Structure Change Process Date: August 03, 1995
Last Data Update: August 03, 1995
Data Source Date: April 05, 2012
Location
Address: 1702 Eastland Drive, Bloomington, IL 61770
County: Mclean
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): Bloomington-Normal, IL (#1040)
Core Based Statistical Area (CBSA): Bloomington-Normal, IL (#14060)
CBSA Metro Statistical Area: Bloomington-Normal, IL (#14060)
Financial Summary
Total assets: $59.9 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)
$33Total assets
$52,699Cash and due from depository institutions
$2,713Interest-bearing balances
$0Securities
$5,596Federal funds sold & reverse repurchase agreements
$1,600Net loans & leases
$40,486Loan loss allowance
$600Trading account assets
$0Bank premises and fixed assets
$1,447Other real estate owned
$0Goodwill and other intangibles
$857Life insurance assets
$0All other assets
$0Total liabilities and capital
$52,699Total liabilities
$48,790Total deposits
$48,439Interest-bearing deposits
$41,067Deposits held in domestic offices
48439.00%% insured (estimated)
$92Federal funds purchased & repurchase agreements
$48Trading liabilities
$0Other borrowed funds
$18Subordinated debt
$0All other liabilities
$285Total equity capital
$285Total bank equity capital
$3,909Perpetual preferred stock
$0Common stock
$50Surplus
$2,113Undivided profits
Memoranda
$1,746Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$388Income earned, not collected on loans
$452Earning assets
$47,682Long-term assets (5+ years)
$1,455Average Assets, year-to-date
$48,677Average Assets, quarterly
$51,599Volatile liabilities
$5,747Insider loans
$18FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$21,147Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$4,037Total risk weighted assets
$37,889Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1994)

Dollar figures in thousands
$0Total interest income
$3,558Total interest expense
$1,443Net interest income
$2,115Provision for loan and lease losses
$240Total noninterest income
$570Fiduciary activities
$0Service charges on deposit accounts
$309Trading account gains & fees
$0Additional noninterest income
$261Total noninterest expense
$1,565Salaries and employee benefits
$721Premises and equipment expense
$307Additional noninterest expense
$537Pre-tax net operating income
$880Securities gains (losses)
$0Applicable income taxes
$289Income before extraordinary items
$591Extraordinary gains - net
$0Net income attributable to bank
$591Net charge-offs
$123Cash dividends
$0Sale, 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
8.12%Cost of funding earning assets
3.29%Net interest margin
4.83%Noninterest income to earning assets
1.30%Noninterest expense to earning assets
3.57%Net operating income to assets
1.21%Return on assets (ROA)
1.21%Pretax return on assets
1.81%Return on equity (ROE)
15.97%Retained earnings to average equity (YTD only)
15.97%Net charge-offs to loans
0.33%Credit loss provision to net charge-offs
195.12%Efficiency ratio
58,287Assets per employee
1.60%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.46%Loss allowance to noncurrent loans
154.64%Noncurrent assets plus other real estate owned to assets
0.74%Noncurrent loans to loans
0.94%Net loans and leases to deposits
83.58%Net loans and leases to core deposits
94.73%Equity capital to assets
7.42%Core capital (leverage) ratio
8.20%Tier 1 risk-based capital ratio
10.65%Total risk-based capital ratio
Memoranda
$12Average assets
$48,677Average earning assets
$3,701Average equity
$43,814Average loans

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