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

This bank is inactive as of April 01, 1994

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

  • General
  • FDIC Certificate #: 8489
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: The First National Bank (#3840)
    Federal Reserve ID: 476043
    Date Established: January 27, 1913
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Interstate: No)
    FDIC's unique #: 5403
    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: January 01, 1934
    Last Structure Change Effective Date: April 01, 1994
    Last Structure Change Process Date: April 14, 1994
    Last Data Update: April 20, 1994
    Data Source Date: April 05, 2012
  • Location
  • Address: Marion Avenue And Rr Street, Patoka, IL 62875
    County: Marion
    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
    Core Based Statistical Area (CBSA): Centralia, IL (#16460)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merger - Without Assistance
  • Financial Summary
  • Total assets: $11.5 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)
  • $11Total assets
  • $12,074Cash and due from depository institutions
  • $418Interest-bearing balances
  • $0Securities
  • $2,224Federal funds sold & reverse repurchase agreements
  • $2,650Net loans & leases
  • $6,459Loan loss allowance
  • $361Trading account assets
  • $0Bank premises and fixed assets
  • $84Other real estate owned
  • $81Goodwill and other intangibles
  • $158Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $12,074Total liabilities
  • $10,871Total deposits
  • $10,817Interest-bearing deposits
  • $8,962Deposits held in domestic offices
  • 10817.00%% insured (estimated)
  • $96Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $54Total equity capital
  • $54Total bank equity capital
  • $1,203Perpetual preferred stock
  • $0Common stock
  • $100Surplus
  • $665Undivided profits
  • Memoranda
  • $438Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $126Income earned, not collected on loans
  • $97Earning assets
  • $11,333Long-term assets (5+ years)
  • $1,382Average Assets, year-to-date
  • $12,132Average Assets, quarterly
  • $11,823Volatile liabilities
  • $400Insider loans
  • $100FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $183Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $1,203Total risk weighted assets
  • $6,974Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1993)

  • Dollar figures in thousands
  • $0Total interest income
  • $936Total interest expense
  • $347Net interest income
  • $589Provision for loan and lease losses
  • $19Total noninterest income
  • $80Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $0Additional noninterest income
  • $80Total noninterest expense
  • $476Salaries and employee benefits
  • $254Premises and equipment expense
  • $16Additional noninterest expense
  • $206Pre-tax net operating income
  • $174Securities gains (losses)
  • -$3Applicable income taxes
  • $17Income before extraordinary items
  • $154Extraordinary gains - net
  • $0Net income attributable to bank
  • $154Net charge-offs
  • $35Cash dividends
  • $0Sale, 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
  • 8.27%Cost of funding earning assets
  • 3.06%Net interest margin
  • 5.20%Noninterest income to earning assets
  • 0.71%Noninterest expense to earning assets
  • 4.20%Net operating income to assets
  • 1.29%Return on assets (ROA)
  • 1.27%Pretax return on assets
  • 1.41%Return on equity (ROE)
  • 13.59%Retained earnings to average equity (YTD only)
  • 13.59%Net charge-offs to loans
  • 0.47%Credit loss provision to net charge-offs
  • 54.29%Efficiency ratio
  • 71,151Assets per employee
  • 1.10%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 5.29%Loss allowance to noncurrent loans
  • 286.51%Noncurrent assets plus other real estate owned to assets
  • 1.71%Noncurrent loans to loans
  • 1.85%Net loans and leases to deposits
  • 59.71%Net loans and leases to core deposits
  • 62.00%Equity capital to assets
  • 9.96%Core capital (leverage) ratio
  • 9.83%Tier 1 risk-based capital ratio
  • 17.25%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $12,132Average earning assets
  • $1,133Average equity
  • $11,325Average loans

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