FDIC Certificate #: 3748 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Alpha Community Bank (#10790) Federal Reserve ID: 467742 Date Established: April 18, 1919 Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 1 (Interstate: No) OTS Docket #: 14243 FDIC's unique #: 2413 Numeric code: 3 Regulator: OCC Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes State Chartered: No Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: July 01, 1998 Last Structure Change Process Date: July 10, 1998 Last Data Update: July 10, 1998 Data Source Date: April 05, 2012
Location
Address: 201 North Main Street, Toluca, IL 61369 County: Marshall 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 Combined Statistical Area (CSA): Peoria-Canton, IL (#426) Core Based Statistical Area (CBSA): Peoria, IL (#37900) CBSA Metro Statistical Area: Peoria, IL (#37900)
Financial Summary
Total assets: $38.1 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Expenses ($ mil)
Assets and Liabilities (December 31, 1997)
Dollar figures in thousands
13Total employees (full-time equivalent)
$39,526Total assets
$702Cash and due from depository institutions
$10Interest-bearing balances
$11,512Securities
$1,095Federal funds sold & reverse repurchase agreements
$23,693Net loans & leases
$121Loan loss allowance
$0Trading account assets
$610Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$1,914All other assets
$39,526Total liabilities and capital
$36,691Total liabilities
$35,522Total deposits
$32,144Interest-bearing deposits
$35,522Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$1,000Other borrowed funds
$0Subordinated debt
$169All other liabilities
$2,835Total equity capital
$2,835Total bank equity capital
$2,835Perpetual preferred stock
$0Common stock
$50Surplus
$350Undivided profits
Memoranda
$2,435Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$366Earning assets
$0Long-term assets (5+ years)
$486Average Assets, year-to-date
$36,310Average Assets, quarterly
$11,759Volatile liabilities
$37,597Insider loans
$39,470FHLB advances
$7,288Loans and leases held for sale
$149Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$2,556Total unused commitments
$0Restructured Loans and leases
$26,720Derivatives
Income and Expense (December 31, 1997)
Dollar figures in thousands
$2,826Total interest income
$1,471Total interest expense
$1,355Net interest income
$143Provision for loan and lease losses
$188Total noninterest income
$0Fiduciary activities
$66Service charges on deposit accounts
$0Trading account gains & fees
$122Additional noninterest income
$955Total noninterest expense
$490Salaries and employee benefits
$123Premises and equipment expense
$342Additional noninterest expense
$445Pre-tax net operating income
-$5Securities gains (losses)
$119Applicable income taxes
$321Income before extraordinary items
$0Extraordinary gains - net
$321Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$136Sale, conversion, retirement of capital stock, net
$240Net operating income
Performance and Condition Ratios (December 31, 1997)
Dollar figures in thousands
Performance Ratios (%, annualized)
8.19%Yield on earning assets
4.26%Cost of funding earning assets
3.93%Net interest margin
0.54%Noninterest income to earning assets
2.77%Noninterest expense to earning assets
0.86%Net operating income to assets
0.85%Return on assets (ROA)
1.17%Pretax return on assets
11.40%Return on equity (ROE)
2.88%Retained earnings to average equity (YTD only)
0.59%Net charge-offs to loans
105.15%Credit loss provision to net charge-offs
4.32%Efficiency ratio
61,892Assets per employee
3.04%Cash dividends to net income (YTD only)
Condition Ratios (%)
74.77%Loss allowance to loans
0.51%Loss allowance to noncurrent loans
33.06%Noncurrent assets plus other real estate owned to assets
0.93%Noncurrent loans to loans
1.54%Net loans and leases to deposits
66.70%Net loans and leases to core deposits
81.05%Equity capital to assets
7.17%Core capital (leverage) ratio
7.03%Tier 1 risk-based capital ratio
10.39%Total risk-based capital ratio
Memoranda
$11Average assets
$37,597Average earning assets
$2,816Average equity
$34,508Average loans
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