Farmers State Bank Chadwick and Mount Carroll in Mount Carroll, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of November 01, 2001

  • Farmers State Bank Chadwick and Mount Carroll in Mount Carroll, Illinois (IL)
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Farmers State Bank Chadwick and Mount Carroll - Overview

  • General
  • FDIC Certificate #: 1805
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Metrobank, National Association (#12099)
    Federal Reserve ID: 310231
    Date Established: November 06, 1909
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Interstate: No)
    OTS Docket #: 13446
    FDIC's unique #: 1198
    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: January 01, 1934
    Last Structure Change Effective Date: November 01, 2001
    Last Structure Change Process Date: November 19, 2001
    Last Data Update: November 19, 2001
    Data Source Date: April 05, 2012
  • Location
  • Address: Route 64, Mount Carroll, IL 61053
    County: Carroll
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Princeton
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
  • Financial Summary
  • Total assets: $66.4 mil

1992 - 1999 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, 2000)

  • Dollar figures in thousands
  • 28Total employees (full-time equivalent)
  • $69,157Total assets
  • $2,325Cash and due from depository institutions
  • $18Interest-bearing balances
  • $14,177Securities
  • $1,580Federal funds sold & reverse repurchase agreements
  • $47,602Net loans & leases
  • $484Loan loss allowance
  • $0Trading account assets
  • $1,226Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $2,247All other assets
  • $69,157Total liabilities and capital
  • $63,741Total liabilities
  • $62,885Total deposits
  • $60,336Interest-bearing deposits
  • $62,885Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $440Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $416All other liabilities
  • $5,416Total equity capital
  • $5,416Total bank equity capital
  • $5,416Perpetual preferred stock
  • $0Common stock
  • $360Surplus
  • $2,465Undivided profits
  • Memoranda
  • $2,591Noncurrent loans and leases
  • $3,565Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $389Earning assets
  • $0Long-term assets (5+ years)
  • $1,152Average Assets, year-to-date
  • $63,377Average Assets, quarterly
  • $7,861Volatile liabilities
  • $66,799Insider loans
  • $68,272FHLB advances
  • $10,214Loans and leases held for sale
  • $115Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $3,565Total unused commitments
  • $0Restructured Loans and leases
  • $484Derivatives

Income and Expense (December 31, 2000)

  • Dollar figures in thousands
  • $4,922Total interest income
  • $2,930Total interest expense
  • $1,992Net interest income
  • $116Provision for loan and lease losses
  • $347Total noninterest income
  • $0Fiduciary activities
  • $202Service charges on deposit accounts
  • $0Trading account gains & fees
  • $145Additional noninterest income
  • $1,387Total noninterest expense
  • $798Salaries and employee benefits
  • $263Premises and equipment expense
  • $326Additional noninterest expense
  • $836Pre-tax net operating income
  • $0Securities gains (losses)
  • $2Applicable income taxes
  • $834Income before extraordinary items
  • $0Extraordinary gains - net
  • $834Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $22Sale, conversion, retirement of capital stock, net
  • $562Net operating income

Performance and Condition Ratios (December 31, 2000)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.93%Yield on earning assets
  • 4.72%Cost of funding earning assets
  • 3.21%Net interest margin
  • 0.56%Noninterest income to earning assets
  • 2.24%Noninterest expense to earning assets
  • 1.25%Net operating income to assets
  • 1.25%Return on assets (ROA)
  • 1.25%Pretax return on assets
  • 16.71%Return on equity (ROE)
  • 5.45%Retained earnings to average equity (YTD only)
  • 0.05%Net charge-offs to loans
  • 527.27%Credit loss provision to net charge-offs
  • 43.27%Efficiency ratio
  • 59,299Assets per employee
  • 2.47%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 67.39%Loss allowance to loans
  • 1.01%Loss allowance to noncurrent loans
  • 124.42%Noncurrent assets plus other real estate owned to assets
  • 0.56%Noncurrent loans to loans
  • 0.81%Net loans and leases to deposits
  • 75.70%Net loans and leases to core deposits
  • 89.63%Equity capital to assets
  • 7.83%Core capital (leverage) ratio
  • 7.87%Tier 1 risk-based capital ratio
  • 10.24%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $66,799Average earning assets
  • $4,992Average equity
  • $62,034Average loans

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