FDIC Certificate #: 15859 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:United Community Bank (#19459) Federal Reserve ID: 605638 Date Established: November 22, 1941 WWW:http://www.ucbbank.com Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 3 (Interstate: No) OTS Docket #: 14245 FDIC's unique #: 10097 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: November 22, 1941 Last Structure Change Effective Date: August 19, 2005 Last Structure Change Process Date: September 01, 2005 Last Data Update: September 01, 2005 Data Source Date: April 05, 2012
Location
Address: 200 North Fifth Street, Auburn, IL 62615 County: Sangamon 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 Metropolitan Statistical Area (MSA): Springfield, IL (#7880) Core Based Statistical Area (CBSA): Springfield, IL (#44100) CBSA Metro Statistical Area: Springfield, IL (#44100)
Financial Summary
Total assets: $71.5 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2004)
Dollar figures in thousands
11Total employees (full-time equivalent)
$87,280Total assets
$1,425Cash and due from depository institutions
$190Interest-bearing balances
$44,972Securities
$3,837Federal funds sold & reverse repurchase agreements
$31,340Net loans & leases
$429Loan loss allowance
$0Trading account assets
$1,214Bank premises and fixed assets
$775Other real estate owned
$876Goodwill and other intangibles
$0Life insurance assets
$2,841All other assets
$87,280Total liabilities and capital
$77,263Total liabilities
$62,961Total deposits
$56,147Interest-bearing deposits
$62,961Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$14,000Other borrowed funds
$0Subordinated debt
$302All other liabilities
$10,017Total equity capital
$10,017Total bank equity capital
$10,017Perpetual preferred stock
$0Common stock
$900Surplus
$7,740Undivided profits
Memoranda
$1,377Noncurrent loans and leases
$2,807Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$77Earning assets
$0Long-term assets (5+ years)
$775Average Assets, year-to-date
$80,339Average Assets, quarterly
$24,293Volatile liabilities
$87,690Insider loans
$86,768FHLB advances
$10,522Loans and leases held for sale
$774Unused loan commitments
$14,000Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$2,807Total unused commitments
$0Restructured Loans and leases
$429Derivatives
Income and Expense (December 31, 2004)
Dollar figures in thousands
$4,142Total interest income
$2,041Total interest expense
$2,101Net interest income
-$88Provision for loan and lease losses
$260Total noninterest income
$0Fiduciary activities
$174Service charges on deposit accounts
$0Trading account gains & fees
$86Additional noninterest income
$1,141Total noninterest expense
$369Salaries and employee benefits
$143Premises and equipment expense
$629Additional noninterest expense
$1,308Pre-tax net operating income
$0Securities gains (losses)
$8Applicable income taxes
$1,300Income before extraordinary items
$0Extraordinary gains - net
$1,300Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$86Sale, conversion, retirement of capital stock, net
$706Net operating income
Performance and Condition Ratios (December 31, 2004)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.12%Yield on earning assets
2.52%Cost of funding earning assets
2.60%Net interest margin
0.32%Noninterest income to earning assets
1.41%Noninterest expense to earning assets
1.48%Net operating income to assets
1.48%Return on assets (ROA)
1.49%Pretax return on assets
13.06%Return on equity (ROE)
5.97%Retained earnings to average equity (YTD only)
0.26%Net charge-offs to loans
-102.33%Credit loss provision to net charge-offs
14.19%Efficiency ratio
48,327Assets per employee
7.93%Cash dividends to net income (YTD only)
Condition Ratios (%)
54.31%Loss allowance to loans
1.35%Loss allowance to noncurrent loans
557.14%Noncurrent assets plus other real estate owned to assets
0.98%Noncurrent loans to loans
0.24%Net loans and leases to deposits
49.78%Net loans and leases to core deposits
59.76%Equity capital to assets
11.48%Core capital (leverage) ratio
10.86%Tier 1 risk-based capital ratio
24.99%Total risk-based capital ratio
Memoranda
$26Average assets
$87,690Average earning assets
$9,954Average equity
$80,945Average loans
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