First National Bank in Marshall, Illinois (IL)

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First National Bank
GeneralFDIC Certificate #: 1799
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: First Financial Bank, National Association (#4382)
Federal Reserve ID: 107141
Date Established: May 07, 1857
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 1 (Interstate: No)
FDIC's unique #: 1193
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: No
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: November 28, 2003
Last Structure Change Process Date: January 29, 2004
Last Data Update: January 29, 2004
Data Source Date: April 05, 2012
LocationAddress: 215 North Michigan Avenue, Marshall, IL 62441
County: Clark
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Champaign
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Central
Financial SummaryTotal assets: $50.4 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)
Total employees (full-time equivalent)17
Total assets$55,145
Cash and due from depository institutions$965
Interest-bearing balances$0
Federal funds sold & reverse repurchase agreements$7,027
Net loans & leases$31,264
Loan loss allowance $633
Trading account assets$0
Bank premises and fixed assets$190
Other real estate owned$65
Goodwill and other intangibles$0
All other assets$2,095
Life insurance assets$0
Total liabilities and capital$55,145
Total liabilities$49,663
Total deposits$49,363
Interest-bearing deposits$45,102
Deposits held in domestic offices$49,363
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $0
All other liabilities $300
Total equity capital$5,482
Total bank equity capital$5,482
Perpetual preferred stock$5,482
Common stock$0
Undivided profits $943
Noncurrent loans and leases $4,089
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $1,218
Income earned, not collected on loans $0
Earning assets $220
Long-term assets (5+ years) $0
Average Assets, year-to-date $455
Average Assets, quarterly $51,830
Volatile liabilities $11,835
Insider loans $50,205
FHLB advances $53,240
Loans and leases held for sale $5,190
Unused loan commitments $524
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $0
Total risk weighted assets $0
Total unused commitments $1,218
Restructured Loans and leases $0
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Income and Expense (December 31, 2002)
(Dollar figures in thousands)
Total interest income $3,175
Total interest expense $1,347
Net interest income $1,828
Provision for loan and lease losses $120
Total noninterest income $364
Fiduciary activities $5
Service charges on deposit accounts $189
Trading account gains & fees $0
Additional noninterest income $170
Total noninterest expense $1,164
Salaries and employee benefits $673
Premises and equipment expense $92
Additional noninterest expense $399
Pre-tax net operating income $908
Securities gains (losses) $0
Applicable income taxes $184
Income before extraordinary items $724
Extraordinary gains - net $0
Net income attributable to bank $724
Net charge-offs $0
Cash dividends $0
Sale, conversion, retirement of capital stock, net $9
Net operating income $228
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Performance and Condition Ratios (December 31, 2002)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets6.77%
Cost of funding earning assets 2.87%
Net interest margin 3.90%
Noninterest income to earning assets 0.78%
Noninterest expense to earning assets 2.48%
Net operating income to assets 1.44%
Return on assets (ROA) 1.44%
Pretax return on assets 1.81%
Return on equity (ROE) 13.96%
Retained earnings to average equity (YTD only) 9.56%
Net charge-offs to loans 0.03%
Credit loss provision to net charge-offs 1333.33%
Efficiency ratio114.22%
Assets per employee$53,102
Cash dividends to net income (YTD only)3.24%
Condition Ratios (%)
Loss allowance to loans 31.49%
Loss allowance to noncurrent loans 1.98%
Noncurrent assets plus other real estate owned to assets 287.73%
Noncurrent loans to loans 0.52%
Net loans and leases to deposits0.69%
Net loans and leases to core deposits 63.33%
Equity capital to assets 70.78%
Core capital (leverage) ratio 9.94%
Tier 1 risk-based capital ratio 9.90%
Total risk-based capital ratio 14.12%
Average assets$15
Average earning assets$50,205
Average equity $5,187
Average loans $46,896
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