Ingraham State Bank in Ingraham, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of July 01, 1996

Ingraham State Bank in Ingraham, Illinois (IL)
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Ingraham State Bank - Overview

General
FDIC Certificate #: 11328
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: First National Bank in Olney (#14567)
Federal Reserve ID: 660646
Date Established: January 01, 1921
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 1 (Interstate: No)
FDIC's unique #: 7235
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: July 01, 1996
Last Structure Change Process Date: July 10, 1996
Last Data Update: July 10, 1996
Data Source Date: April 05, 2012
Location
Address: Main And Corner Streets, Ingraham, IL 62434
County: Clay
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: $14.4 mil

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

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

Dollar figures in thousands
0Total employees (full-time equivalent)
$7Total assets
$14,400Cash and due from depository institutions
$402Interest-bearing balances
$0Securities
$4,692Federal funds sold & reverse repurchase agreements
$847Net loans & leases
$8,052Loan loss allowance
$236Trading account assets
$0Bank premises and fixed assets
$122Other real estate owned
$44Goodwill and other intangibles
$241Life insurance assets
$0All other assets
$0Total liabilities and capital
$14,400Total liabilities
$12,714Total deposits
$12,624Interest-bearing deposits
$11,041Deposits held in domestic offices
12624.00%% insured (estimated)
$96Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$90Total equity capital
$90Total bank equity capital
$1,686Perpetual preferred stock
$0Common stock
$200Surplus
$400Undivided profits
Memoranda
$1,086Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$38Income earned, not collected on loans
$162Earning assets
$13,591Long-term assets (5+ years)
$2,090Average Assets, year-to-date
$14,144Average Assets, quarterly
$14,325Volatile liabilities
$1,557Insider loans
$170FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$949Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$1,708Total risk weighted assets
$8,805Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1995)

Dollar figures in thousands
$0Total interest income
$1,080Total interest expense
$492Net interest income
$588Provision for loan and lease losses
$0Total noninterest income
$36Fiduciary activities
$0Service charges on deposit accounts
$23Trading account gains & fees
$0Additional noninterest income
$13Total noninterest expense
$410Salaries and employee benefits
$231Premises and equipment expense
$41Additional noninterest expense
$138Pre-tax net operating income
$214Securities gains (losses)
$0Applicable income taxes
$52Income before extraordinary items
$162Extraordinary gains - net
$0Net income attributable to bank
$162Net charge-offs
-$18Cash dividends
$20Sale, 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
8.17%Cost of funding earning assets
3.72%Net interest margin
4.45%Noninterest income to earning assets
0.27%Noninterest expense to earning assets
3.10%Net operating income to assets
1.15%Return on assets (ROA)
1.15%Pretax return on assets
1.51%Return on equity (ROE)
10.03%Retained earnings to average equity (YTD only)
8.79%Net charge-offs to loans
-0.23%Credit loss provision to net charge-offs
0.00%Efficiency ratio
65,705Assets per employee
2.06%Cash dividends to net income (YTD only)
Condition Ratios (%)
12.35%Loss allowance to loans
2.85%Loss allowance to noncurrent loans
621.05%Noncurrent assets plus other real estate owned to assets
0.57%Noncurrent loans to loans
0.46%Net loans and leases to deposits
63.78%Net loans and leases to core deposits
72.76%Equity capital to assets
11.71%Core capital (leverage) ratio
11.89%Tier 1 risk-based capital ratio
19.40%Total risk-based capital ratio
Memoranda
$21Average assets
$14,144Average earning assets
$1,616Average equity
$13,219Average loans

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