The Edgar County Bank and Trust Co., Paris, Illinois in Paris, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Edgar County Bank and Trust Co., Paris, Illinois - Overview

  • General
  • FDIC Certificate #: 3722
    Status: Active
    Federal Reserve ID: 738143
    Bank Holding Company (Regulatory Top Holder): Edgar County Banc Shares, Inc. (RSSDID: 2577766, Location: Paris, IL)
    Date Established: March 23, 1873
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 8 (Domestic: 8, Interstate: No)
    OTS Docket #: 11609
    FDIC's unique #: 2388
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: December 11, 2009
    Last Structure Change Process Date: December 31, 2009
    Last Data Update: December 31, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 177 West Wood Street, Paris, IL 61944
    County: Edgar
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Champaign
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
  • History of Changes
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $312.6 mil
    Equity capital: $31.6 mil
    Deposits held in domestic offices: $246.5 mil
    Return on assets (ROA): 0.74% ($2.3 mil)
    Quarterly return on assets: 0.76% ($2.4 mil)
    Return on Equity (ROE): 7.65% ($2.4 mil)
    Quarterly return on equity: 7.54% ($2.4 mil)
    Net income: $2.2 mil
    Quarterly Net income: $0.6 mil
    Pretax return on assets: 0.75% ($2,344.2 mil)
    Quarterly Pretax return on assets: 0.77% ($2,406.7 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, 2011)

  • Dollar figures in thousands
  • 77Total employees (full-time equivalent)
  • $312,554Total assets
  • $11,167Cash and due from depository institutions
  • $5,339Interest-bearing balances
  • $74,651Securities
  • $294Federal funds sold & reverse repurchase agreements
  • $204,939Net loans & leases
  • $2,049Loan loss allowance
  • $0Trading account assets
  • $6,955Bank premises and fixed assets
  • $1,587Other real estate owned
  • $3,845Goodwill and other intangibles
  • $312,554Life insurance assets
  • $9,116All other assets
  • $280,989Total liabilities and capital
  • $246,512Total liabilities
  • $212,810Total deposits
  • $246,512Interest-bearing deposits
  • $81Deposits held in domestic offices
  • 23035.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $10,000Trading liabilities
  • $0Other borrowed funds
  • $1,442Subordinated debt
  • $31,565All other liabilities
  • $31,565Total equity capital
  • $31,565Total bank equity capital
  • $0Perpetual preferred stock
  • $1,403Common stock
  • $14,019Surplus
  • $16,143Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $126Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,320Income earned, not collected on loans
  • $226Earning assets
  • $1,430Long-term assets (5+ years)
  • $285,223Average Assets, year-to-date
  • $208,129Average Assets, quarterly
  • $300,374Volatile liabilities
  • $308,351Insider loans
  • $223,934FHLB advances
  • $306,316Loans and leases held for sale
  • $5,037Unused loan commitments
  • $5,037Tier 1 (core) risk-based capital
  • $25,370Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $24,760Restructured Loans and leases
  • $5,897Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $13,591Total interest income
  • $1,865Total interest expense
  • $11,726Net interest income
  • $2,860Provision for loan and lease losses
  • $2,040Total noninterest income
  • $766Fiduciary activities
  • $506Service charges on deposit accounts
  • $0Trading account gains & fees
  • $768Additional noninterest income
  • $8,716Total noninterest expense
  • $4,059Salaries and employee benefits
  • $1,412Premises and equipment expense
  • $3,245Additional noninterest expense
  • $2,190Pre-tax net operating income
  • $63Securities gains (losses)
  • $25Applicable income taxes
  • $2,228Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,228Net income attributable to bank
  • $0Net charge-offs
  • $2,228Cash dividends
  • $2,677Sale, conversion, retirement of capital stock, net
  • $531Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.97%Yield on earning assets
  • 0.68%Cost of funding earning assets
  • 4.29%Net interest margin
  • 0.75%Noninterest income to earning assets
  • 3.19%Noninterest expense to earning assets
  • 0.72%Net operating income to assets
  • 0.74%Return on assets (ROA)
  • 0.75%Pretax return on assets
  • 7.65%Return on equity (ROE)
  • 5.82%Retained earnings to average equity (YTD only)
  • 1.28%Net charge-offs to loans
  • 106.84%Credit loss provision to net charge-offs
  • 1.89%Efficiency ratio
  • 61,630Assets per employee
  • 4.06%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 23.83%Loss allowance to loans
  • 0.99%Loss allowance to noncurrent loans
  • 61.72%Noncurrent assets plus other real estate owned to assets
  • 1.57%Noncurrent loans to loans
  • 1.60%Net loans and leases to deposits
  • 83.14%Net loans and leases to core deposits
  • 88.37%Equity capital to assets
  • 10.10%Core capital (leverage) ratio
  • 8.28%Tier 1 risk-based capital ratio
  • 11.33%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $300,374Average earning assets
  • $29,138Average equity
  • $273,348Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $139,799Managed Assets
  • 1Number of Accounts
  • $89,186Personal trust and agency accounts
  • $89,186Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 399Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $50,613Other retirement accounts
  • $39,318Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $6,949Fiduciary accounts held in foreign offices

List of branches

  • 8 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02388The Edgar County Bank And Trust Co., Paris, Illinois177 West Wood Street, Paris, IL 61944March 23, 1873Full Service Brick and Mortar
    1201805Drive-In Facility212-214 North Main Street, Paris, IL 61944October 21, 1970Limited Service Facility
    2201806Brocton, Illinois Facility301 W 3rd Street, Brocton, IL 61917November 16, 1982Limited Service Facility
    3201807Ashmore Illinois Facility10 West Ashmore Street, Ashmore, IL 61912September 15, 1997Full Service Brick and Mortar
    410303Kansas Illinois Facility101 S. Front Street, Kansas, IL 61933September 11, 1943Full Service Brick and Mortar
    5484875Champaign Branch1601 South Prospect, Champaign, IL 61820December 15, 2008Full Service Brick and Mortar
    62348Gilman Branch209 South Crescent Street, Gilman, IL 60938January 01, 1869Full Service Brick and Mortar
    7201720Watseka Branch141 Veterans Parkway, Watseka, IL 60970January 11, 1999Full Service Brick and Mortar

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