Clover Leaf Bank in Edwardsville, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of July 11, 2006

  • Clover Leaf Bank in Edwardsville, Illinois (IL)
  • Show street view No street view available for this location

Clover Leaf Bank - Overview

  • General
  • FDIC Certificate #: 30282
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: First Clover Leaf Bank, FSB (#30330)
    Federal Reserve ID: 5274
    Date Established: January 01, 1945
    WWW: http://www.cloverleafbank.com
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Interstate: No)
    OTS Docket #: 5104
    FDIC's unique #: 43116
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: May 31, 1946
    Last Structure Change Effective Date: July 11, 2006
    Last Structure Change Process Date: October 18, 2006
    Last Data Update: October 18, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 200 East Park Street, Edwardsville, IL 62025
    County: Madison
    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
    Metropolitan Statistical Area (MSA): St. Louis, MO-IL (#7040)
    Combined Statistical Area (CSA): St. Louis-St. Charles-Farmington, MO-IL (#476)
    Core Based Statistical Area (CBSA): St. Louis, MO-IL (#41180)
    CBSA Metro Statistical Area: St. Louis, MO-IL (#41180)
  • Financial Summary
  • Total assets: $144.7 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
  • 34Total employees (full-time equivalent)
  • $132,214Total assets
  • $6,010Cash and due from depository institutions
  • $4,013Interest-bearing balances
  • $18,062Securities
  • $277Federal funds sold & reverse repurchase agreements
  • $97,436Net loans & leases
  • $852Loan loss allowance
  • $0Trading account assets
  • $4,828Bank premises and fixed assets
  • $185Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $5,416All other assets
  • $132,214Total liabilities and capital
  • $120,079Total liabilities
  • $103,446Total deposits
  • $88,758Interest-bearing deposits
  • $103,446Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $1,771Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $13,455Other borrowed funds
  • $0Subordinated debt
  • $1,407All other liabilities
  • $12,135Total equity capital
  • $12,135Total bank equity capital
  • $12,135Perpetual preferred stock
  • $0Common stock
  • $1Surplus
  • $3,847Undivided profits
  • Memoranda
  • $8,287Noncurrent loans and leases
  • $14,606Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $231Earning assets
  • $0Long-term assets (5+ years)
  • $547Average Assets, year-to-date
  • $119,788Average Assets, quarterly
  • $29,710Volatile liabilities
  • $123,678Insider loans
  • $130,034FHLB advances
  • $10,298Loans and leases held for sale
  • $3,137Unused loan commitments
  • $13,455Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $14,606Total unused commitments
  • $0Restructured Loans and leases
  • $852Derivatives

Income and Expense (December 31, 2005)

  • Dollar figures in thousands
  • $6,591Total interest income
  • $2,768Total interest expense
  • $3,823Net interest income
  • $42Provision for loan and lease losses
  • $534Total noninterest income
  • $0Fiduciary activities
  • $128Service charges on deposit accounts
  • $0Trading account gains & fees
  • $406Additional noninterest income
  • $3,049Total noninterest expense
  • $1,550Salaries and employee benefits
  • $490Premises and equipment expense
  • $1,009Additional noninterest expense
  • $1,266Pre-tax net operating income
  • $0Securities gains (losses)
  • $446Applicable income taxes
  • $820Income before extraordinary items
  • $0Extraordinary gains - net
  • $820Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • -$77Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2005)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.87%Yield on earning assets
  • 2.46%Cost of funding earning assets
  • 3.40%Net interest margin
  • 0.48%Noninterest income to earning assets
  • 2.71%Noninterest expense to earning assets
  • 0.66%Net operating income to assets
  • 0.66%Return on assets (ROA)
  • 1.02%Pretax return on assets
  • 6.90%Return on equity (ROE)
  • 6.90%Retained earnings to average equity (YTD only)
  • -0.09%Net charge-offs to loans
  • -54.55%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 69,979Assets per employee
  • 3.89%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.87%Loss allowance to noncurrent loans
  • 368.83%Noncurrent assets plus other real estate owned to assets
  • 0.31%Noncurrent loans to loans
  • 0.24%Net loans and leases to deposits
  • 94.19%Net loans and leases to core deposits
  • 99.51%Equity capital to assets
  • 9.18%Core capital (leverage) ratio
  • 9.72%Tier 1 risk-based capital ratio
  • 12.83%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $123,678Average earning assets
  • $11,881Average equity
  • $112,308Average loans

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