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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