First Bank, bc in Capron, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 01, 2003

First Bank, bc in Capron, Illinois (IL)
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First Bank, bc - Overview

General
FDIC Certificate #: 16551
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Blackhawk Bank (#14078)
Federal Reserve ID: 388931
Date Established: September 16, 1946
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 4 (Interstate: No)
OTS Docket #: 10490
FDIC's unique #: 10702
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: March 14, 1947
Last Structure Change Effective Date: October 01, 2003
Last Structure Change Process Date: October 16, 2003
Last Data Update: October 16, 2003
Data Source Date: April 05, 2012
Location
Address: 6th And Main Streets, Capron, IL 61012
County: Boone
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Chicago
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Central
Metropolitan Statistical Area (MSA): Rockford, IL (#6880)
Combined Statistical Area (CSA): Rockford-Freeport-Rochelle, IL (#466)
Core Based Statistical Area (CBSA): Rockford, IL (#40420)
CBSA Metro Statistical Area: Rockford, IL (#40420)
Financial Summary
Total assets: $73.8 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, 2002)

Dollar figures in thousands
49Total employees (full-time equivalent)
$74,109Total assets
$4,804Cash and due from depository institutions
$713Interest-bearing balances
$13,891Securities
$0Federal funds sold & reverse repurchase agreements
$51,326Net loans & leases
$751Loan loss allowance
$0Trading account assets
$2,767Bank premises and fixed assets
$84Other real estate owned
$72Goodwill and other intangibles
$0Life insurance assets
$1,165All other assets
$74,109Total liabilities and capital
$68,035Total liabilities
$62,952Total deposits
$47,651Interest-bearing deposits
$62,952Deposits held in domestic offices
0.00%% insured (estimated)
$350Federal funds purchased & repurchase agreements
$0Trading liabilities
$4,000Other borrowed funds
$0Subordinated debt
$733All other liabilities
$6,074Total equity capital
$6,074Total bank equity capital
$6,074Perpetual preferred stock
$0Common stock
$75Surplus
$2,871Undivided profits
Memoranda
$3,128Noncurrent loans and leases
$7,522Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$840Earning assets
$0Long-term assets (5+ years)
$470Average Assets, year-to-date
$65,930Average Assets, quarterly
$5,899Volatile liabilities
$75,461Insider loans
$76,999FHLB advances
$7,335Loans and leases held for sale
$988Unused loan commitments
$4,000Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$3,333Total risk weighted assets
$7,522Total unused commitments
$0Restructured Loans and leases
$673Derivatives

Income and Expense (December 31, 2002)

Dollar figures in thousands
$5,015Total interest income
$1,371Total interest expense
$3,644Net interest income
$628Provision for loan and lease losses
$1,921Total noninterest income
$0Fiduciary activities
$437Service charges on deposit accounts
$0Trading account gains & fees
$1,484Additional noninterest income
$4,145Total noninterest expense
$2,379Salaries and employee benefits
$461Premises and equipment expense
$1,305Additional noninterest expense
$792Pre-tax net operating income
$53Securities gains (losses)
$244Applicable income taxes
$601Income before extraordinary items
$0Extraordinary gains - net
$601Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$555Sale, conversion, retirement of capital stock, net
$15Net operating income

Performance and Condition Ratios (December 31, 2002)

Dollar figures in thousands
Performance Ratios (%, annualized)
7.51%Yield on earning assets
2.05%Cost of funding earning assets
5.46%Net interest margin
2.88%Noninterest income to earning assets
6.21%Noninterest expense to earning assets
0.75%Net operating income to assets
0.80%Return on assets (ROA)
1.12%Pretax return on assets
10.76%Return on equity (ROE)
10.49%Retained earnings to average equity (YTD only)
1.08%Net charge-offs to loans
113.15%Credit loss provision to net charge-offs
2.56%Efficiency ratio
72,830Assets per employee
1.51%Cash dividends to net income (YTD only)
Condition Ratios (%)
2.50%Loss allowance to loans
1.44%Loss allowance to noncurrent loans
89.40%Noncurrent assets plus other real estate owned to assets
1.25%Noncurrent loans to loans
1.61%Net loans and leases to deposits
81.53%Net loans and leases to core deposits
88.54%Equity capital to assets
8.20%Core capital (leverage) ratio
7.38%Tier 1 risk-based capital ratio
10.67%Total risk-based capital ratio
Memoranda
$12Average assets
$75,461Average earning assets
$5,585Average equity
$66,771Average loans

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