FDIC Certificate #: 16202 Status: Inactive Federal Reserve ID: 332644 Date Established: October 12, 1944 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 3 (Interstate: No) FDIC's unique #: 10403 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: October 12, 1944 Last Structure Change Effective Date: November 30, 2005 Last Structure Change Process Date: December 29, 2005 Last Data Update: December 29, 2005 Data Source Date: April 05, 2012
Location
Address: 300 South Second Street, San Jose, IL 62682 County: Mason Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Chicago FDIC Field Office: Springfield Il Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: Central
History of Changes
Other Liquidations and Closings
Change in Insurance Status
Office Sold
Financial Summary
Total assets: $5.9 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2004)
Dollar figures in thousands
7Total employees (full-time equivalent)
$6,908Total assets
$664Cash and due from depository institutions
$0Interest-bearing balances
$400Securities
$650Federal funds sold & reverse repurchase agreements
$4,666Net loans & leases
$250Loan loss allowance
$0Trading account assets
$296Bank premises and fixed assets
$69Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$163All other assets
$6,908Total liabilities and capital
$6,645Total liabilities
$6,601Total deposits
$5,253Interest-bearing deposits
$6,601Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$44All other liabilities
$263Total equity capital
$263Total bank equity capital
$263Perpetual preferred stock
$0Common stock
$131Surplus
$281Undivided profits
Memoranda
$-149Noncurrent loans and leases
$122Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$440Earning assets
$0Long-term assets (5+ years)
$32Average Assets, year-to-date
$5,716Average Assets, quarterly
$326Volatile liabilities
$7,211Insider loans
$6,914FHLB advances
$100Loans and leases held for sale
$179Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$122Total unused commitments
$0Restructured Loans and leases
$58Derivatives
Income and Expense (December 31, 2004)
Dollar figures in thousands
$417Total interest income
$71Total interest expense
$346Net interest income
$477Provision for loan and lease losses
$93Total noninterest income
$0Fiduciary activities
$71Service charges on deposit accounts
$0Trading account gains & fees
$22Additional noninterest income
$381Total noninterest expense
$187Salaries and employee benefits
$109Premises and equipment expense
$85Additional noninterest expense
-$419Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
-$419Income before extraordinary items
$0Extraordinary gains - net
-$419Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$283Sale, conversion, retirement of capital stock, net
$26Net operating income
Performance and Condition Ratios (December 31, 2004)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.84%Yield on earning assets
1.16%Cost of funding earning assets
5.67%Net interest margin
1.52%Noninterest income to earning assets
6.25%Noninterest expense to earning assets
-5.81%Net operating income to assets
-5.81%Return on assets (ROA)
-5.81%Pretax return on assets
-67.32%Return on equity (ROE)
-71.50%Retained earnings to average equity (YTD only)
5.60%Net charge-offs to loans
168.55%Credit loss provision to net charge-offs
0.20%Efficiency ratio
86,788Assets per employee
0.99%Cash dividends to net income (YTD only)
Condition Ratios (%)
-6.21%Loss allowance to loans
5.09%Loss allowance to noncurrent loans
56.82%Noncurrent assets plus other real estate owned to assets
7.37%Noncurrent loans to loans
8.95%Net loans and leases to deposits
70.69%Net loans and leases to core deposits
71.77%Equity capital to assets
3.81%Core capital (leverage) ratio
3.73%Tier 1 risk-based capital ratio
5.88%Total risk-based capital ratio
Memoranda
$7Average assets
$7,211Average earning assets
$622Average equity
$6,099Average loans
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