First Capital Bank in Peoria, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of May 21, 2005

  • First Capital Bank in Peoria, Illinois (IL)
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First Capital Bank - Overview

  • General
  • FDIC Certificate #: 34157
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Busey Bank (#16450)
    Federal Reserve ID: 2389820
    Date Established: April 16, 1996
    WWW: http://www.firstcapitalbank.com
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Interstate: No)
    OTS Docket #: 14439
    FDIC's unique #: 56304
    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: April 16, 1996
    Last Structure Change Effective Date: May 21, 2005
    Last Structure Change Process Date: June 02, 2005
    Last Data Update: June 02, 2005
    Data Source Date: April 05, 2012
  • Location
  • Address: 6699 North Sheridan Road, Peoria, IL 61614
    County: Peoria
    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): Peoria-Pekin, IL (#6120)
    Combined Statistical Area (CSA): Peoria-Canton, IL (#426)
    Core Based Statistical Area (CBSA): Peoria, IL (#37900)
    CBSA Metro Statistical Area: Peoria, IL (#37900)
  • Financial Summary
  • Total assets: $248.6 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, 2004)

  • Dollar figures in thousands
  • 50Total employees (full-time equivalent)
  • $249,575Total assets
  • $5,644Cash and due from depository institutions
  • $1,791Interest-bearing balances
  • $63,696Securities
  • $3,100Federal funds sold & reverse repurchase agreements
  • $144,358Net loans & leases
  • $2,189Loan loss allowance
  • $0Trading account assets
  • $3,376Bank premises and fixed assets
  • $244Other real estate owned
  • $26,576Goodwill and other intangibles
  • $0Life insurance assets
  • $2,581All other assets
  • $249,575Total liabilities and capital
  • $206,755Total liabilities
  • $149,155Total deposits
  • $136,649Interest-bearing deposits
  • $149,155Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $33,131Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $22,918Other borrowed funds
  • $0Subordinated debt
  • $1,551All other liabilities
  • $42,820Total equity capital
  • $42,820Total bank equity capital
  • $42,820Perpetual preferred stock
  • $0Common stock
  • $2,700Surplus
  • $38,666Undivided profits
  • Memoranda
  • $1,454Noncurrent loans and leases
  • $20,888Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $548Earning assets
  • $0Long-term assets (5+ years)
  • $992Average Assets, year-to-date
  • $212,945Average Assets, quarterly
  • $32,541Volatile liabilities
  • $238,211Insider loans
  • $254,919FHLB advances
  • $98,241Loans and leases held for sale
  • $5,730Unused loan commitments
  • $22,918Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $1,203Total risk weighted assets
  • $20,888Total unused commitments
  • $0Restructured Loans and leases
  • $1,867Derivatives

Income and Expense (December 31, 2004)

  • Dollar figures in thousands
  • $6,408Total interest income
  • $2,348Total interest expense
  • $4,060Net interest income
  • $230Provision for loan and lease losses
  • $581Total noninterest income
  • $0Fiduciary activities
  • $135Service charges on deposit accounts
  • $0Trading account gains & fees
  • $446Additional noninterest income
  • $2,779Total noninterest expense
  • $1,389Salaries and employee benefits
  • $335Premises and equipment expense
  • $1,055Additional noninterest expense
  • $1,632Pre-tax net operating income
  • $182Securities gains (losses)
  • $644Applicable income taxes
  • $1,170Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,170Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $109Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2004)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.03%Yield on earning assets
  • 1.11%Cost of funding earning assets
  • 1.92%Net interest margin
  • 0.27%Noninterest income to earning assets
  • 1.31%Noninterest expense to earning assets
  • 0.44%Net operating income to assets
  • 0.49%Return on assets (ROA)
  • 0.76%Pretax return on assets
  • 3.72%Return on equity (ROE)
  • 3.72%Retained earnings to average equity (YTD only)
  • 0.07%Net charge-offs to loans
  • 211.01%Credit loss provision to net charge-offs
  • 17.08%Efficiency ratio
  • 55,333Assets per employee
  • 4.99%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.49%Loss allowance to noncurrent loans
  • 399.45%Noncurrent assets plus other real estate owned to assets
  • 0.32%Noncurrent loans to loans
  • 0.37%Net loans and leases to deposits
  • 96.78%Net loans and leases to core deposits
  • 147.10%Equity capital to assets
  • 17.16%Core capital (leverage) ratio
  • 6.96%Tier 1 risk-based capital ratio
  • 10.71%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $238,211Average earning assets
  • $31,465Average equity
  • $211,402Average loans

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