First Bank of Roscoe in Roscoe, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of May 03, 1993

  • First Bank of Roscoe in Roscoe, Illinois (IL)
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First Bank of Roscoe - Overview

  • General
  • FDIC Certificate #: 23006
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Bank One, Rockford, National Association (#3734)
    Federal Reserve ID: 692142
    Date Established: December 18, 1979
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Interstate: No)
    FDIC's unique #: 16104
    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: December 18, 1979
    Last Structure Change Effective Date: May 03, 1993
    Last Structure Change Process Date: May 26, 1993
    Last Data Update: May 26, 1993
    Data Source Date: April 05, 2012
  • Location
  • Address: Elevator Road And Main Street, Roscoe, IL 61073
    County: Winnebago
    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
    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: $44.6 mil

Assets and Liabilities (December 31, 1992)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $21Total assets
  • $45,148Cash and due from depository institutions
  • $3,296Interest-bearing balances
  • $0Securities
  • $13,826Federal funds sold & reverse repurchase agreements
  • $2,100Net loans & leases
  • $24,837Loan loss allowance
  • $374Trading account assets
  • $0Bank premises and fixed assets
  • $555Other real estate owned
  • $0Goodwill and other intangibles
  • $534Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $45,148Total liabilities
  • $41,782Total deposits
  • $41,501Interest-bearing deposits
  • $36,678Deposits held in domestic offices
  • 41501.00%% insured (estimated)
  • $89Federal funds purchased & repurchase agreements
  • $74Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $207Total equity capital
  • $207Total bank equity capital
  • $3,366Perpetual preferred stock
  • $0Common stock
  • $400Surplus
  • $1,600Undivided profits
  • Memoranda
  • $1,366Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $493Income earned, not collected on loans
  • $184Earning assets
  • $40,763Long-term assets (5+ years)
  • $2,521Average Assets, year-to-date
  • $43,614Average Assets, quarterly
  • $44,771Volatile liabilities
  • $4,752Insider loans
  • $0FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $709Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $3,366Total risk weighted assets
  • $26,050Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1992)

  • Dollar figures in thousands
  • $0Total interest income
  • $3,546Total interest expense
  • $1,707Net interest income
  • $1,839Provision for loan and lease losses
  • $16Total noninterest income
  • $296Fiduciary activities
  • $0Service charges on deposit accounts
  • $222Trading account gains & fees
  • $0Additional noninterest income
  • $74Total noninterest expense
  • $1,089Salaries and employee benefits
  • $545Premises and equipment expense
  • $119Additional noninterest expense
  • $425Pre-tax net operating income
  • $1,030Securities gains (losses)
  • $0Applicable income taxes
  • $237Income before extraordinary items
  • $793Extraordinary gains - net
  • $0Net income attributable to bank
  • $793Net charge-offs
  • $1Cash dividends
  • $479Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1992)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.99%Cost of funding earning assets
  • 4.33%Net interest margin
  • 4.66%Noninterest income to earning assets
  • 0.75%Noninterest expense to earning assets
  • 2.76%Net operating income to assets
  • 1.82%Return on assets (ROA)
  • 1.82%Pretax return on assets
  • 2.36%Return on equity (ROE)
  • 24.96%Retained earnings to average equity (YTD only)
  • 9.88%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 1600.00%Efficiency ratio
  • 51,007Assets per employee
  • 2.15%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 60.40%Loss allowance to loans
  • 1.48%Loss allowance to noncurrent loans
  • 75.86%Noncurrent assets plus other real estate owned to assets
  • 1.09%Noncurrent loans to loans
  • 1.96%Net loans and leases to deposits
  • 59.85%Net loans and leases to core deposits
  • 67.45%Equity capital to assets
  • 7.46%Core capital (leverage) ratio
  • 7.40%Tier 1 risk-based capital ratio
  • 12.92%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $43,614Average earning assets
  • $3,177Average equity
  • $39,425Average loans

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