FDIC Certificate #: 22291 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:United Illinois Bank of Southern Illinois (#22223) Federal Reserve ID: 1968518 Date Established: June 25, 1976 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Interstate: No) FDIC's unique #: 15501 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: June 25, 1976 Last Structure Change Effective Date: August 08, 1995 Last Structure Change Process Date: September 19, 1995 Last Data Update: September 19, 1995 Data Source Date: April 05, 2012
Location
Address: 701 Public Square, Benton, IL 62812 County: Franklin 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
Financial Summary
Total assets: $1.8 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Expenses ($ mil)
Assets and Liabilities (December 31, 1994)
Dollar figures in thousands
0Total employees (full-time equivalent)
$0Total assets
$2,033Cash and due from depository institutions
$64Interest-bearing balances
$0Securities
$1,305Federal funds sold & reverse repurchase agreements
$0Net loans & leases
$448Loan loss allowance
$80Trading account assets
$0Bank premises and fixed assets
$0Other real estate owned
$53Goodwill and other intangibles
$163Life insurance assets
$0All other assets
$0Total liabilities and capital
$2,033Total liabilities
$701Total deposits
$0Interest-bearing deposits
$0Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$600Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$101Total equity capital
$101Total bank equity capital
$1,332Perpetual preferred stock
$0Common stock
$500Surplus
$680Undivided profits
Memoranda
$152Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$33Income earned, not collected on loans
$5Earning assets
$1,753Long-term assets (5+ years)
$216Average Assets, year-to-date
$2,986Average Assets, quarterly
$2,580Volatile liabilities
$600Insider loans
$0FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$1,356Total risk weighted assets
$757Total unused commitments
$0Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 1994)
Dollar figures in thousands
$0Total interest income
$225Total interest expense
$87Net interest income
$138Provision for loan and lease losses
$0Total noninterest income
$3Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$0Additional noninterest income
$3Total noninterest expense
$8Salaries and employee benefits
$0Premises and equipment expense
$0Additional noninterest expense
$8Pre-tax net operating income
$133Securities gains (losses)
$0Applicable income taxes
$53Income before extraordinary items
$80Extraordinary gains - net
$0Net income attributable to bank
$80Net charge-offs
-$1Cash dividends
$0Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 1994)
Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
8.14%Cost of funding earning assets
3.15%Net interest margin
5.00%Noninterest income to earning assets
0.11%Noninterest expense to earning assets
0.29%Net operating income to assets
2.68%Return on assets (ROA)
2.68%Pretax return on assets
4.45%Return on equity (ROE)
6.08%Retained earnings to average equity (YTD only)
6.08%Net charge-offs to loans
-0.17%Credit loss provision to net charge-offs
0.00%Efficiency ratio
5,674Assets per employee
0.00%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
15.15%Loss allowance to noncurrent loans
242.42%Noncurrent assets plus other real estate owned to assets
4.23%Noncurrent loans to loans
6.25%Net loans and leases to deposits
0.00%Net loans and leases to core deposits
0.00%Equity capital to assets
65.52%Core capital (leverage) ratio
58.10%Tier 1 risk-based capital ratio
179.17%Total risk-based capital ratio
Memoranda
$181Average assets
$2,986Average earning assets
$1,315Average equity
$2,763Average loans
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