Midamerica Bank of St. Clair County in O Fallon, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of March 01, 2001

  • Midamerica Bank of St. Clair County in O Fallon, Illinois (IL)
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Midamerica Bank of St. Clair County - Overview

  • General
  • FDIC Certificate #: 34118
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: First National Bank of St. Louis (#4534)
    Federal Reserve ID: 2390442
    Date Established: January 16, 1996
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Interstate: No)
    FDIC's unique #: 56261
    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 16, 1996
    Last Structure Change Effective Date: March 01, 2001
    Last Structure Change Process Date: March 12, 2001
    Last Data Update: March 12, 2001
    Data Source Date: April 05, 2012
  • Location
  • Address: 350 Hartman Lane, O Fallon, IL 62269
    County: St. Clair
    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
  • Financial Summary
  • Total assets: $30.5 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
  • 10Total employees (full-time equivalent)
  • $30,474Total assets
  • $1,363Cash and due from depository institutions
  • $0Interest-bearing balances
  • $6,320Securities
  • $4,140Federal funds sold & reverse repurchase agreements
  • $14,882Net loans & leases
  • $314Loan loss allowance
  • $0Trading account assets
  • $1,447Bank premises and fixed assets
  • $0Other real estate owned
  • $1,747Goodwill and other intangibles
  • $0Life insurance assets
  • $575All other assets
  • $30,474Total liabilities and capital
  • $25,655Total liabilities
  • $25,457Total deposits
  • $23,536Interest-bearing deposits
  • $25,457Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $198All other liabilities
  • $4,819Total equity capital
  • $4,819Total bank equity capital
  • $4,819Perpetual preferred stock
  • $0Common stock
  • $1,230Surplus
  • $4,372Undivided profits
  • Memoranda
  • $-783Noncurrent loans and leases
  • $839Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $215Earning assets
  • $0Long-term assets (5+ years)
  • $88Average Assets, year-to-date
  • $25,342Average Assets, quarterly
  • $795Volatile liabilities
  • $29,331Insider loans
  • $30,557FHLB advances
  • $2,274Loans and leases held for sale
  • $301Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $839Total unused commitments
  • $0Restructured Loans and leases
  • $206Derivatives

Income and Expense (December 31, 2000)

  • Dollar figures in thousands
  • $2,074Total interest income
  • $1,252Total interest expense
  • $822Net interest income
  • $275Provision for loan and lease losses
  • $107Total noninterest income
  • $0Fiduciary activities
  • $51Service charges on deposit accounts
  • $0Trading account gains & fees
  • $56Additional noninterest income
  • $1,060Total noninterest expense
  • $395Salaries and employee benefits
  • $179Premises and equipment expense
  • $486Additional noninterest expense
  • -$406Pre-tax net operating income
  • $0Securities gains (losses)
  • -$85Applicable income taxes
  • -$321Income before extraordinary items
  • $0Extraordinary gains - net
  • -$321Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $249Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2000)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.47%Yield on earning assets
  • 5.12%Cost of funding earning assets
  • 3.36%Net interest margin
  • 0.44%Noninterest income to earning assets
  • 4.33%Noninterest expense to earning assets
  • -1.09%Net operating income to assets
  • -1.09%Return on assets (ROA)
  • -1.38%Pretax return on assets
  • -6.47%Return on equity (ROE)
  • -6.47%Retained earnings to average equity (YTD only)
  • 1.61%Net charge-offs to loans
  • 110.44%Credit loss provision to net charge-offs
  • -0.53%Efficiency ratio
  • 97,632Assets per employee
  • 3.05%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.07%Loss allowance to noncurrent loans
  • 146.05%Noncurrent assets plus other real estate owned to assets
  • 0.71%Noncurrent loans to loans
  • 1.41%Net loans and leases to deposits
  • 58.46%Net loans and leases to core deposits
  • 64.19%Equity capital to assets
  • 15.81%Core capital (leverage) ratio
  • 10.28%Tier 1 risk-based capital ratio
  • 17.87%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $29,331Average earning assets
  • $4,962Average equity
  • $24,476Average loans

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