FDIC Certificate #: 33551 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Integra Bank National Association (#4392) Federal Reserve ID: 1936320 Date Established: Febuary 03, 1992 WWW:http://www.prairiebank.com Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 5 (Interstate: No) OTS Docket #: 12159 FDIC's unique #: 47431 Numeric code: 13 Regulator: FED 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: Febuary 03, 1992 Last Structure Change Effective Date: April 10, 2007 Last Structure Change Process Date: April 11, 2007 Last Data Update: April 11, 2007 Data Source Date: April 05, 2012
Location
Address: 7661 South Harlem Avenue, Bridgeview, IL 60455 County: Cook 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)
Financial Summary
Total assets: $542.5 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2006)
Dollar figures in thousands
86Total employees (full-time equivalent)
$558,364Total assets
$6,642Cash and due from depository institutions
$822Interest-bearing balances
$92,038Securities
$6,950Federal funds sold & reverse repurchase agreements
$430,908Net loans & leases
$6,071Loan loss allowance
$0Trading account assets
$6,308Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$9,853Life insurance assets
$15,518All other assets
$558,364Total liabilities and capital
$506,577Total liabilities
$479,486Total deposits
$443,655Interest-bearing deposits
$479,486Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$20,000Other borrowed funds
$0Subordinated debt
$7,091All other liabilities
$51,787Total equity capital
$51,787Total bank equity capital
$51,787Perpetual preferred stock
$0Common stock
$1,500Surplus
$17,500Undivided profits
Memoranda
$32,787Noncurrent loans and leases
$96,977Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$4,330Earning assets
$43Long-term assets (5+ years)
$3,660Average Assets, year-to-date
$530,718Average Assets, quarterly
$67,229Volatile liabilities
$559,356Insider loans
$554,549FHLB advances
$129,934Loans and leases held for sale
$4,939Unused loan commitments
$20,000Tier 1 (core) risk-based capital
$40,000Tier 2 risk-based capital
$0Total risk weighted assets
$96,977Total unused commitments
$0Restructured Loans and leases
$5,937Derivatives
Income and Expense (December 31, 2006)
Dollar figures in thousands
$43,917Total interest income
$20,286Total interest expense
$23,631Net interest income
$1,475Provision for loan and lease losses
$2,086Total noninterest income
$0Fiduciary activities
$1,284Service charges on deposit accounts
$0Trading account gains & fees
$802Additional noninterest income
$12,010Total noninterest expense
$6,576Salaries and employee benefits
$1,667Premises and equipment expense
$3,767Additional noninterest expense
$12,232Pre-tax net operating income
$153Securities gains (losses)
$187Applicable income taxes
$12,198Income before extraordinary items
$0Extraordinary gains - net
$12,198Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$432Sale, conversion, retirement of capital stock, net
$4,153Net operating income
Performance and Condition Ratios (December 31, 2006)
Dollar figures in thousands
Performance Ratios (%, annualized)
8.27%Yield on earning assets
3.82%Cost of funding earning assets
4.45%Net interest margin
0.39%Noninterest income to earning assets
2.26%Noninterest expense to earning assets
2.15%Net operating income to assets
2.18%Return on assets (ROA)
2.21%Pretax return on assets
25.70%Return on equity (ROE)
16.95%Retained earnings to average equity (YTD only)
0.10%Net charge-offs to loans
341.44%Credit loss provision to net charge-offs
31.73%Efficiency ratio
46,701Assets per employee
6.49%Cash dividends to net income (YTD only)
Condition Ratios (%)
34.05%Loss allowance to loans
1.39%Loss allowance to noncurrent loans
140.21%Noncurrent assets plus other real estate owned to assets
0.78%Noncurrent loans to loans
0.99%Net loans and leases to deposits
89.87%Net loans and leases to core deposits
121.54%Equity capital to assets
9.27%Core capital (leverage) ratio
9.32%Tier 1 risk-based capital ratio
10.94%Total risk-based capital ratio
Memoranda
$12Average assets
$559,356Average earning assets
$47,470Average equity
$531,023Average loans
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