Peoples Bank of Cambridge in Cambridge, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 28, 1996

Peoples Bank of Cambridge in Cambridge, Illinois (IL)
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Peoples Bank of Cambridge - Overview

General
FDIC Certificate #: 14643
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: BankOrion (#11739)
Federal Reserve ID: 326036
Date Established: July 27, 1934
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Interstate: No)
FDIC's unique #: 9157
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: July 27, 1934
Last Structure Change Effective Date: October 28, 1996
Last Structure Change Process Date: December 23, 1996
Last Data Update: December 23, 1996
Data Source Date: April 05, 2012
Location
Address: 201 North Prospect, Cambridge, IL 61238
County: Henry
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Princeton
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Central
Metropolitan Statistical Area (MSA): Davenport-Moline-Rock Island, IA-IL (#1960)
Core Based Statistical Area (CBSA): Davenport-Moline-Rock Island, IA-IL (#19340)
CBSA Metro Statistical Area: Davenport-Moline-Rock Island, IA-IL (#19340)
Financial Summary
Total assets: $26.9 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)
$12Total assets
$25,712Cash and due from depository institutions
$2,940Interest-bearing balances
$0Securities
$13,755Federal funds sold & reverse repurchase agreements
$0Net loans & leases
$7,977Loan loss allowance
$196Trading account assets
$0Bank premises and fixed assets
$165Other real estate owned
$75Goodwill and other intangibles
$800Life insurance assets
$0All other assets
$0Total liabilities and capital
$25,712Total liabilities
$22,862Total deposits
$22,014Interest-bearing deposits
$16,649Deposits held in domestic offices
22014.00%% insured (estimated)
$91Federal funds purchased & repurchase agreements
$675Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$173Total equity capital
$173Total bank equity capital
$2,850Perpetual preferred stock
$0Common stock
$400Surplus
$1,000Undivided profits
Memoranda
$1,450Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$77Income earned, not collected on loans
$168Earning assets
$21,732Long-term assets (5+ years)
$3,370Average Assets, year-to-date
$24,863Average Assets, quarterly
$25,204Volatile liabilities
$2,075Insider loans
$17FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$568Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$2,857Total risk weighted assets
$11,866Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1995)

Dollar figures in thousands
$0Total interest income
$1,616Total interest expense
$725Net interest income
$891Provision for loan and lease losses
$0Total noninterest income
$86Fiduciary activities
$0Service charges on deposit accounts
$46Trading account gains & fees
$0Additional noninterest income
$40Total noninterest expense
$728Salaries and employee benefits
$406Premises and equipment expense
$65Additional noninterest expense
$257Pre-tax net operating income
$249Securities gains (losses)
$2Applicable income taxes
$78Income before extraordinary items
$173Extraordinary gains - net
$0Net income attributable to bank
$173Net charge-offs
$0Cash dividends
$0Sale, 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
7.38%Cost of funding earning assets
3.31%Net interest margin
4.07%Noninterest income to earning assets
0.39%Noninterest expense to earning assets
3.32%Net operating income to assets
0.69%Return on assets (ROA)
0.70%Pretax return on assets
1.01%Return on equity (ROE)
6.51%Retained earnings to average equity (YTD only)
6.51%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
74,514Assets per employee
2.14%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.40%Loss allowance to noncurrent loans
254.55%Noncurrent assets plus other real estate owned to assets
0.59%Noncurrent loans to loans
0.94%Net loans and leases to deposits
36.24%Net loans and leases to core deposits
38.70%Equity capital to assets
11.08%Core capital (leverage) ratio
11.42%Tier 1 risk-based capital ratio
24.08%Total risk-based capital ratio
Memoranda
$25Average assets
$24,863Average earning assets
$2,657Average equity
$21,901Average loans

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