The Citizens National Bank of Toluca in Toluca, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of July 01, 1998

  • The Citizens National Bank of Toluca in Toluca, Illinois (IL)
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The Citizens National Bank of Toluca - Overview

  • General
  • 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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