Roseville State Bank in Roseville, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of September 15, 1995

  • Roseville State Bank in Roseville, Illinois (IL)
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Roseville State Bank - Overview

  • General
  • FDIC Certificate #: 16189
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Citizens National Bank (#5757)
    Federal Reserve ID: 48646
    Date Established: September 19, 1944
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Interstate: No)
    FDIC's unique #: 10393
    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: September 19, 1944
    Last Structure Change Effective Date: September 15, 1995
    Last Structure Change Process Date: September 27, 1995
    Last Data Update: September 27, 1995
    Data Source Date: April 05, 2012
  • Location
  • Address: Main Street And Penn Avenue, Roseville, IL 61473
    County: Warren
    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
    Core Based Statistical Area (CBSA): Galesburg, IL (#23660)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $17.7 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $9Total assets
  • $17,676Cash and due from depository institutions
  • $1,585Interest-bearing balances
  • $0Securities
  • $7,055Federal funds sold & reverse repurchase agreements
  • $200Net loans & leases
  • $7,841Loan loss allowance
  • $104Trading account assets
  • $0Bank premises and fixed assets
  • $462Other real estate owned
  • $0Goodwill and other intangibles
  • $325Life insurance assets
  • $208All other assets
  • $0Total liabilities and capital
  • $17,676Total liabilities
  • $15,835Total deposits
  • $15,519Interest-bearing deposits
  • $13,498Deposits held in domestic offices
  • 15519.00%% insured (estimated)
  • $90Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $316Total equity capital
  • $316Total bank equity capital
  • $1,841Perpetual preferred stock
  • $0Common stock
  • $280Surplus
  • $1,563Undivided profits
  • Memoranda
  • $-2Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $11Income earned, not collected on loans
  • $202Earning assets
  • $15,096Long-term assets (5+ years)
  • $963Average Assets, year-to-date
  • $17,616Average Assets, quarterly
  • $17,441Volatile liabilities
  • $1,457Insider loans
  • $235FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $471Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $1,649Total risk weighted assets
  • $8,914Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1994)

  • Dollar figures in thousands
  • $0Total interest income
  • $195Total interest expense
  • $83Net interest income
  • $112Provision for loan and lease losses
  • $3Total noninterest income
  • $14Fiduciary activities
  • $0Service charges on deposit accounts
  • $10Trading account gains & fees
  • $0Additional noninterest income
  • $4Total noninterest expense
  • $97Salaries and employee benefits
  • $38Premises and equipment expense
  • $16Additional noninterest expense
  • $43Pre-tax net operating income
  • $26Securities gains (losses)
  • $0Applicable income taxes
  • $10Income before extraordinary items
  • $16Extraordinary gains - net
  • $0Net income attributable to bank
  • $16Net 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
  • 1.21%Cost of funding earning assets
  • 0.52%Net interest margin
  • 0.69%Noninterest income to earning assets
  • 0.09%Noninterest expense to earning assets
  • 0.60%Net operating income to assets
  • 0.09%Return on assets (ROA)
  • 0.09%Pretax return on assets
  • 0.15%Return on equity (ROE)
  • 0.93%Retained earnings to average equity (YTD only)
  • 0.93%Net charge-offs to loans
  • -0.01%Credit loss provision to net charge-offs
  • -300.00%Efficiency ratio
  • 73,810Assets per employee
  • 1.96%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.31%Loss allowance to noncurrent loans
  • 945.45%Noncurrent assets plus other real estate owned to assets
  • 0.06%Noncurrent loans to loans
  • 0.14%Net loans and leases to deposits
  • 50.53%Net loans and leases to core deposits
  • 55.76%Equity capital to assets
  • 10.42%Core capital (leverage) ratio
  • 9.43%Tier 1 risk-based capital ratio
  • 18.50%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $17,616Average earning assets
  • $1,720Average equity
  • $16,116Average loans

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