ISBT, National Association in East Alton, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of Febuary 29, 1996

  • ISBT, National Association in East Alton, Illinois (IL)
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ISBT, National Association - Overview

  • General
  • FDIC Certificate #: 20046
    Status: Inactive
    Closing history: Change in Chartering Agent
    Acquiring institution: Magna Bank, National Association (#20606)
    Federal Reserve ID: 157146
    Date Established: January 01, 1904
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 3 (Interstate: No)
    FDIC's unique #: 13772
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Oakar Institutions: Yes
    State Chartered: No
    Date of Deposit Insurance: September 24, 1969
    Last Structure Change Effective Date: Febuary 29, 1996
    Last Structure Change Process Date: May 14, 1996
    Last Data Update: May 14, 1996
    Data Source Date: April 05, 2012
  • Location
  • Address: 347 West Main Street, East Alton, IL 62024
    County: Madison
    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
    Metropolitan Statistical Area (MSA): St. Louis, MO-IL (#7040)
    Combined Statistical Area (CSA): St. Louis-St. Charles-Farmington, MO-IL (#476)
    Core Based Statistical Area (CBSA): St. Louis, MO-IL (#41180)
    CBSA Metro Statistical Area: St. Louis, MO-IL (#41180)
  • History of Changes
  • Merger - Without Assistance
    Name Change
    Change in Primary Regulatory Agency
    Change in Chartering Agent
  • Financial Summary
  • Total assets: $155.5 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $57Total assets
  • $155,548Cash and due from depository institutions
  • $4,308Interest-bearing balances
  • $194Securities
  • $94,619Federal funds sold & reverse repurchase agreements
  • $2,100Net loans & leases
  • $49,574Loan loss allowance
  • $880Trading account assets
  • $0Bank premises and fixed assets
  • $2,663Other real estate owned
  • $0Goodwill and other intangibles
  • $1,737Life insurance assets
  • $547All other assets
  • $0Total liabilities and capital
  • $155,548Total liabilities
  • $140,275Total deposits
  • $137,052Interest-bearing deposits
  • $119,814Deposits held in domestic offices
  • 137052.00%% insured (estimated)
  • $93Federal funds purchased & repurchase agreements
  • $1,626Trading liabilities
  • $0Other borrowed funds
  • $605Subordinated debt
  • $0All other liabilities
  • $992Total equity capital
  • $992Total bank equity capital
  • $15,273Perpetual preferred stock
  • $0Common stock
  • $400Surplus
  • $10,850Undivided profits
  • Memoranda
  • $4,023Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $71Income earned, not collected on loans
  • $294Earning assets
  • $146,487Long-term assets (5+ years)
  • $34,918Average Assets, year-to-date
  • $156,770Average Assets, quarterly
  • $156,917Volatile liabilities
  • $6,107Insider loans
  • $3,547FHLB advances
  • $0Loans and leases held for sale
  • $136Unused loan commitments
  • $8,460Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $14,477Total risk weighted assets
  • $68,470Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1995)

  • Dollar figures in thousands
  • $0Total interest income
  • $10,742Total interest expense
  • $4,713Net interest income
  • $6,029Provision for loan and lease losses
  • $96Total noninterest income
  • $793Fiduciary activities
  • $20Service charges on deposit accounts
  • $346Trading account gains & fees
  • $7Additional noninterest income
  • $420Total noninterest expense
  • $3,721Salaries and employee benefits
  • $2,116Premises and equipment expense
  • $526Additional noninterest expense
  • $1,079Pre-tax net operating income
  • $3,005Securities gains (losses)
  • $0Applicable income taxes
  • $827Income before extraordinary items
  • $2,178Extraordinary gains - net
  • $0Net income attributable to bank
  • $2,178Net charge-offs
  • $47Cash dividends
  • $975Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1995)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.30%Cost of funding earning assets
  • 3.20%Net interest margin
  • 4.10%Noninterest income to earning assets
  • 0.54%Noninterest expense to earning assets
  • 2.53%Net operating income to assets
  • 1.39%Return on assets (ROA)
  • 1.39%Pretax return on assets
  • 1.92%Return on equity (ROE)
  • 15.02%Retained earnings to average equity (YTD only)
  • 8.30%Net charge-offs to loans
  • 0.09%Credit loss provision to net charge-offs
  • 204.26%Efficiency ratio
  • 53,987Assets per employee
  • 2.73%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 44.77%Loss allowance to loans
  • 1.74%Loss allowance to noncurrent loans
  • 1239.44%Noncurrent assets plus other real estate owned to assets
  • 0.05%Noncurrent loans to loans
  • 0.14%Net loans and leases to deposits
  • 36.17%Net loans and leases to core deposits
  • 37.22%Equity capital to assets
  • 9.82%Core capital (leverage) ratio
  • 9.16%Tier 1 risk-based capital ratio
  • 21.14%Total risk-based capital ratio
  • Memoranda
  • $22Average assets
  • $156,770Average earning assets
  • $14,502Average equity
  • $147,100Average loans

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