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

This bank is inactive as of March 08, 1997

Community Bank of Utica in Utica, Illinois (IL)
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Community Bank of Utica - Overview

General
FDIC Certificate #: 18076
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: La Salle State Bank (#12410)
Federal Reserve ID: 186043
Date Established: September 04, 1959
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 1 (Interstate: No)
FDIC's unique #: 11999
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: September 04, 1959
Last Structure Change Effective Date: March 08, 1997
Last Structure Change Process Date: March 20, 1997
Last Data Update: March 20, 1997
Data Source Date: April 05, 2012
Location
Address: 100 Mill Street, Utica, IL 61373
County: La Salle
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Princeton
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Central
Core Based Statistical Area (CBSA): Ottawa-Streator, IL (#36860)
CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $12.8 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

Dollar figures in thousands
0Total employees (full-time equivalent)
$7Total assets
$12,846Cash and due from depository institutions
$739Interest-bearing balances
$0Securities
$1,892Federal funds sold & reverse repurchase agreements
$2,378Net loans & leases
$6,921Loan loss allowance
$66Trading account assets
$0Bank premises and fixed assets
$187Other real estate owned
$0Goodwill and other intangibles
$126Life insurance assets
$603All other assets
$0Total liabilities and capital
$12,846Total liabilities
$10,774Total deposits
$9,649Interest-bearing deposits
$6,757Deposits held in domestic offices
9649.00%% insured (estimated)
$81Federal funds purchased & repurchase agreements
$1,100Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$25Total equity capital
$25Total bank equity capital
$2,072Perpetual preferred stock
$0Common stock
$35Surplus
$1,869Undivided profits
Memoranda
$168Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$78Earning assets
$11,191Long-term assets (5+ years)
$2,210Average Assets, year-to-date
$11,159Average Assets, quarterly
$11,535Volatile liabilities
$1,775Insider loans
$16FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$296Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$1,450Total risk weighted assets
$6,822Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1996)

Dollar figures in thousands
$0Total interest income
$773Total interest expense
$301Net interest income
$472Provision for loan and lease losses
-$5Total noninterest income
$63Fiduciary activities
$0Service charges on deposit accounts
$42Trading account gains & fees
$0Additional noninterest income
$21Total noninterest expense
$411Salaries and employee benefits
$178Premises and equipment expense
$53Additional noninterest expense
$180Pre-tax net operating income
$129Securities gains (losses)
$0Applicable income taxes
$35Income before extraordinary items
$94Extraordinary gains - net
$0Net income attributable to bank
$94Net charge-offs
$4Cash dividends
$0Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1996)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
7.97%Cost of funding earning assets
3.11%Net interest margin
4.87%Noninterest income to earning assets
0.65%Noninterest expense to earning assets
4.24%Net operating income to assets
0.84%Return on assets (ROA)
0.84%Pretax return on assets
1.16%Return on equity (ROE)
4.64%Retained earnings to average equity (YTD only)
4.64%Net charge-offs to loans
0.06%Credit loss provision to net charge-offs
-125.00%Efficiency ratio
71,776Assets per employee
1.84%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.94%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
71.73%Net loans and leases to core deposits
77.12%Equity capital to assets
16.13%Core capital (leverage) ratio
15.25%Tier 1 risk-based capital ratio
21.25%Total risk-based capital ratio
Memoranda
$22Average assets
$11,159Average earning assets
$2,026Average equity
$9,693Average loans

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