First National Bank in Golconda in Golconda, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of July 01, 1994

First National Bank in Golconda in Golconda, Illinois (IL)
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First National Bank in Golconda - Overview

General
FDIC Certificate #: 14432
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Illinois One Bank, National Association (#14743)
Federal Reserve ID: 1017041
Date Established: June 04, 1934
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 #: 9020
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: June 04, 1934
Last Structure Change Effective Date: July 01, 1994
Last Structure Change Process Date: July 20, 1994
Last Data Update: July 20, 1994
Data Source Date: April 05, 2012
Location
Address: Main Street, Golconda, IL 62938
County: Pope
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Mount Vernon
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Central
Financial Summary
Total assets: $27.9 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

Dollar figures in thousands
0Total employees (full-time equivalent)
$12Total assets
$28,376Cash and due from depository institutions
$1,725Interest-bearing balances
$393Securities
$16,159Federal funds sold & reverse repurchase agreements
$383Net loans & leases
$9,290Loan loss allowance
$151Trading account assets
$0Bank premises and fixed assets
$453Other real estate owned
$17Goodwill and other intangibles
$349Life insurance assets
$0All other assets
$0Total liabilities and capital
$28,376Total liabilities
$25,594Total deposits
$25,406Interest-bearing deposits
$22,869Deposits held in domestic offices
25406.00%% insured (estimated)
$91Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$188Total equity capital
$188Total bank equity capital
$2,782Perpetual preferred stock
$0Common stock
$250Surplus
$250Undivided profits
Memoranda
$2,282Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$398Income earned, not collected on loans
$125Earning assets
$26,225Long-term assets (5+ years)
$8,271Average Assets, year-to-date
$27,803Average Assets, quarterly
$28,386Volatile liabilities
$1,016Insider loans
$403FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$609Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$2,782Total risk weighted assets
$11,831Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1993)

Dollar figures in thousands
$0Total interest income
$1,896Total interest expense
$860Net interest income
$1,036Provision for loan and lease losses
$60Total noninterest income
$80Fiduciary activities
$0Service charges on deposit accounts
$54Trading account gains & fees
$0Additional noninterest income
$26Total noninterest expense
$701Salaries and employee benefits
$299Premises and equipment expense
$93Additional noninterest expense
$309Pre-tax net operating income
$355Securities gains (losses)
$0Applicable income taxes
$62Income before extraordinary items
$293Extraordinary gains - net
-$37Net income attributable to bank
$256Net charge-offs
$15Cash dividends
$179Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1993)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
7.38%Cost of funding earning assets
3.35%Net interest margin
4.03%Noninterest income to earning assets
0.31%Noninterest expense to earning assets
2.73%Net operating income to assets
1.05%Return on assets (ROA)
0.92%Pretax return on assets
1.14%Return on equity (ROE)
9.35%Retained earnings to average equity (YTD only)
2.81%Net charge-offs to loans
0.15%Credit loss provision to net charge-offs
400.00%Efficiency ratio
62,814Assets per employee
2.36%Cash dividends to net income (YTD only)
Condition Ratios (%)
69.92%Loss allowance to loans
1.60%Loss allowance to noncurrent loans
37.94%Noncurrent assets plus other real estate owned to assets
1.46%Noncurrent loans to loans
4.22%Net loans and leases to deposits
36.57%Net loans and leases to core deposits
38.09%Equity capital to assets
9.80%Core capital (leverage) ratio
9.69%Tier 1 risk-based capital ratio
23.51%Total risk-based capital ratio
Memoranda
$25Average assets
$27,803Average earning assets
$2,737Average equity
$25,708Average loans

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