FDIC Certificate #: 14097 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:The Peoples State Bank of Newton, Illinois (#11722) Federal Reserve ID: 469540 Date Established: January 01, 1896 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 #: 8810 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: March 22, 1934 Last Structure Change Effective Date: August 18, 2001 Last Structure Change Process Date: August 23, 2001 Last Data Update: August 23, 2001 Data Source Date: April 05, 2012
Location
Address: 204 West Washington Street, Newton, IL 62448 County: Jasper 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: $35.4 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2000)
Dollar figures in thousands
12Total employees (full-time equivalent)
$38,566Total assets
$1,171Cash and due from depository institutions
$203Interest-bearing balances
$10,981Securities
$1,836Federal funds sold & reverse repurchase agreements
$23,594Net loans & leases
$485Loan loss allowance
$0Trading account assets
$187Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$797All other assets
$38,566Total liabilities and capital
$33,681Total liabilities
$30,935Total deposits
$25,231Interest-bearing deposits
$30,935Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$2,100Other borrowed funds
$0Subordinated debt
$646All other liabilities
$4,885Total equity capital
$4,885Total bank equity capital
$4,885Perpetual preferred stock
$0Common stock
$641Surplus
$1,162Undivided profits
Memoranda
$3,082Noncurrent loans and leases
$2,459Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$329Earning assets
$0Long-term assets (5+ years)
$443Average Assets, year-to-date
$36,614Average Assets, quarterly
$5,462Volatile liabilities
$41,969Insider loans
$39,000FHLB advances
$3,322Loans and leases held for sale
$149Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$1,023Total risk weighted assets
$2,459Total unused commitments
$515Restructured Loans and leases
$329Derivatives
Income and Expense (December 31, 2000)
Dollar figures in thousands
$3,377Total interest income
$1,509Total interest expense
$1,868Net interest income
$0Provision for loan and lease losses
$31Total noninterest income
$0Fiduciary activities
$15Service charges on deposit accounts
$0Trading account gains & fees
$16Additional noninterest income
$1,237Total noninterest expense
$681Salaries and employee benefits
$111Premises and equipment expense
$445Additional noninterest expense
$662Pre-tax net operating income
$0Securities gains (losses)
$225Applicable income taxes
$437Income before extraordinary items
$0Extraordinary gains - net
$437Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$390Sale, conversion, retirement of capital stock, net
$354Net operating income
Performance and Condition Ratios (December 31, 2000)
Dollar figures in thousands
Performance Ratios (%, annualized)
8.50%Yield on earning assets
3.80%Cost of funding earning assets
4.70%Net interest margin
0.08%Noninterest income to earning assets
3.11%Noninterest expense to earning assets
1.04%Net operating income to assets
1.04%Return on assets (ROA)
1.58%Pretax return on assets
9.20%Return on equity (ROE)
1.75%Retained earnings to average equity (YTD only)
1.51%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
1.70%Efficiency ratio
65,140Assets per employee
3.21%Cash dividends to net income (YTD only)
Condition Ratios (%)
81.01%Loss allowance to loans
2.01%Loss allowance to noncurrent loans
147.42%Noncurrent assets plus other real estate owned to assets
0.85%Noncurrent loans to loans
1.37%Net loans and leases to deposits
76.27%Net loans and leases to core deposits
79.41%Equity capital to assets
12.67%Core capital (leverage) ratio
12.39%Tier 1 risk-based capital ratio
18.43%Total risk-based capital ratio
Memoranda
$20Average assets
$41,969Average earning assets
$4,748Average equity
$39,722Average loans
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