Peotone Bank and Trust Company in Peotone, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of April 23, 2010

  • Peotone Bank and Trust Company in Peotone, Illinois (IL)
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Peotone Bank and Trust Company - Overview

  • General
  • FDIC Certificate #: 10888
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: First Midwest Bank (#3709)
    Federal Reserve ID: 744144
    Date Established: January 01, 1916
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Interstate: No)
    FDIC's unique #: 6969
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: April 23, 2010
    Last Structure Change Process Date: April 26, 2010
    Last Data Update: April 26, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 200 West Corning Avenue, Peotone, IL 60468
    County: Will
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Chicago
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Chicago, IL (#1600)
    Consolidated Metropolitan Statistical Area (CMSA): Chicago-Gary-Kenosha, IL-IN-WI (#14)
    Combined Statistical Area (CSA): Chicago-Naperville-Michigan City, IL-IN-WI (#176)
    Core Based Statistical Area (CBSA): Chicago-Joliet-Naperville, IL-IN-WI (#16980)
    CBSA Metro Statistical Area: Chicago-Joliet-Naperville, IL-IN-WI (#16980)
    Core Based Statistical Division: Chicago-Joliet-Naperville, IL (#16974)
  • History of Changes
  • Absorption - Assisted
  • Financial Summary
  • Total assets: $130.2 mil

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

2000 - 2011 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, 2009)

  • Dollar figures in thousands
  • 42Total employees (full-time equivalent)
  • $133,051Total assets
  • $20,214Cash and due from depository institutions
  • $15,270Interest-bearing balances
  • $12,116Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $86,078Net loans & leases
  • $3,653Loan loss allowance
  • $0Trading account assets
  • $8,814Bank premises and fixed assets
  • $545Other real estate owned
  • $0Goodwill and other intangibles
  • $3,350Life insurance assets
  • $5,284All other assets
  • $133,051Total liabilities and capital
  • $132,056Total liabilities
  • $126,970Total deposits
  • $109,161Interest-bearing deposits
  • $126,970Deposits held in domestic offices
  • 96.07%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $4,768Other borrowed funds
  • $0Subordinated debt
  • $318All other liabilities
  • $995Total equity capital
  • $995Total bank equity capital
  • $995Perpetual preferred stock
  • $0Common stock
  • $550Surplus
  • $3,250Undivided profits
  • Memoranda
  • $-2,805Noncurrent loans and leases
  • $6,734Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $16,180Earning assets
  • $0Long-term assets (5+ years)
  • $847Average Assets, year-to-date
  • $113,464Average Assets, quarterly
  • $2,239Volatile liabilities
  • $145,991Insider loans
  • $137,287FHLB advances
  • $8,523Loans and leases held for sale
  • $3,399Unused loan commitments
  • $4,768Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $6,734Total unused commitments
  • $0Restructured Loans and leases
  • $718Derivatives

Income and Expense (December 31, 2009)

  • Dollar figures in thousands
  • $6,259Total interest income
  • $2,510Total interest expense
  • $3,749Net interest income
  • $6,306Provision for loan and lease losses
  • $1,273Total noninterest income
  • $7Fiduciary activities
  • $654Service charges on deposit accounts
  • $0Trading account gains & fees
  • $612Additional noninterest income
  • $5,756Total noninterest expense
  • $2,311Salaries and employee benefits
  • $825Premises and equipment expense
  • $2,620Additional noninterest expense
  • -$7,040Pre-tax net operating income
  • -$2,834Securities gains (losses)
  • $0Applicable income taxes
  • -$9,874Income before extraordinary items
  • $0Extraordinary gains - net
  • -$9,874Net income attributable to bank
  • $0Net charge-offs
  • -$9,874Cash dividends
  • $3,778Sale, conversion, retirement of capital stock, net
  • $160Net operating income

Performance and Condition Ratios (December 31, 2009)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.01%Yield on earning assets
  • 2.01%Cost of funding earning assets
  • 3.00%Net interest margin
  • 1.02%Noninterest income to earning assets
  • 4.61%Noninterest expense to earning assets
  • -4.82%Net operating income to assets
  • -6.76%Return on assets (ROA)
  • -6.76%Pretax return on assets
  • -139.89%Return on equity (ROE)
  • -142.15%Retained earnings to average equity (YTD only)
  • 3.78%Net charge-offs to loans
  • 166.91%Credit loss provision to net charge-offs
  • -0.19%Efficiency ratio
  • 114,616Assets per employee
  • 3.17%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • -1.62%Loss allowance to loans
  • 4.07%Loss allowance to noncurrent loans
  • 22.58%Noncurrent assets plus other real estate owned to assets
  • 12.57%Noncurrent loans to loans
  • 18.03%Net loans and leases to deposits
  • 67.79%Net loans and leases to core deposits
  • 69.86%Equity capital to assets
  • 0.75%Core capital (leverage) ratio
  • 0.51%Tier 1 risk-based capital ratio
  • 0.79%Total risk-based capital ratio
  • Memoranda
  • $2Average assets
  • $145,991Average earning assets
  • $7,059Average equity
  • $124,836Average loans

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