Farmers and Traders State Bank of Meredosia in Meredosia, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of September 21, 2000

  • Farmers and Traders State Bank of Meredosia in Meredosia, Illinois (IL)
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Farmers and Traders State Bank of Meredosia - Overview

  • General
  • FDIC Certificate #: 5725
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Prairie State Bank and Trust (#27362)
    Federal Reserve ID: 385248
    Date Established: January 01, 1887
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Interstate: No)
    OTS Docket #: 15443
    FDIC's unique #: 3901
    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: September 21, 2000
    Last Structure Change Process Date: September 26, 2000
    Last Data Update: September 26, 2000
    Data Source Date: April 05, 2012
  • Location
  • Address: Main Street, Meredosia, IL 62665
    County: Morgan
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Springfield Il
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Core Based Statistical Area (CBSA): Jacksonville, IL (#27300)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $32.8 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, 1999)

  • Dollar figures in thousands
  • 13Total employees (full-time equivalent)
  • $33,264Total assets
  • $2,958Cash and due from depository institutions
  • $1,384Interest-bearing balances
  • $9,394Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $19,923Net loans & leases
  • $147Loan loss allowance
  • $0Trading account assets
  • $474Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $515All other assets
  • $33,264Total liabilities and capital
  • $30,722Total liabilities
  • $29,698Total deposits
  • $26,730Interest-bearing deposits
  • $29,698Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $845Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $179All other liabilities
  • $2,542Total equity capital
  • $2,542Total bank equity capital
  • $2,542Perpetual preferred stock
  • $0Common stock
  • $117Surplus
  • $1,383Undivided profits
  • Memoranda
  • $1,042Noncurrent loans and leases
  • $5,208Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $1Earning assets
  • $0Long-term assets (5+ years)
  • $350Average Assets, year-to-date
  • $30,701Average Assets, quarterly
  • $923Volatile liabilities
  • $31,159Insider loans
  • $32,342FHLB advances
  • $3,016Loans and leases held for sale
  • $273Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $5,208Total unused commitments
  • $0Restructured Loans and leases
  • $147Derivatives

Income and Expense (December 31, 1999)

  • Dollar figures in thousands
  • $2,141Total interest income
  • $1,157Total interest expense
  • $984Net interest income
  • $15Provision for loan and lease losses
  • $117Total noninterest income
  • $0Fiduciary activities
  • $54Service charges on deposit accounts
  • $0Trading account gains & fees
  • $63Additional noninterest income
  • $728Total noninterest expense
  • $358Salaries and employee benefits
  • $103Premises and equipment expense
  • $267Additional noninterest expense
  • $358Pre-tax net operating income
  • $0Securities gains (losses)
  • $119Applicable income taxes
  • $239Income before extraordinary items
  • $0Extraordinary gains - net
  • $239Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $3Sale, conversion, retirement of capital stock, net
  • $91Net operating income

Performance and Condition Ratios (December 31, 1999)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.49%Yield on earning assets
  • 4.05%Cost of funding earning assets
  • 3.44%Net interest margin
  • 0.41%Noninterest income to earning assets
  • 2.55%Noninterest expense to earning assets
  • 0.77%Net operating income to assets
  • 0.77%Return on assets (ROA)
  • 1.15%Pretax return on assets
  • 9.76%Return on equity (ROE)
  • 6.04%Retained earnings to average equity (YTD only)
  • 0.02%Net charge-offs to loans
  • 500.00%Credit loss provision to net charge-offs
  • 124.33%Efficiency ratio
  • 66,122Assets per employee
  • 2.56%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 38.08%Loss allowance to loans
  • 0.73%Loss allowance to noncurrent loans
  • 14700.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 67.09%Net loans and leases to core deposits
  • 72.38%Equity capital to assets
  • 7.64%Core capital (leverage) ratio
  • 8.06%Tier 1 risk-based capital ratio
  • 12.36%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $31,159Average earning assets
  • $2,450Average equity
  • $28,588Average loans

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