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

This bank is inactive as of May 06, 1995

  • The First National Bank of Effingham in Effingham, Illinois (IL)
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The First National Bank of Effingham - Overview

  • General
  • FDIC Certificate #: 3790
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Citizens Bank of Illinois, National Association (#1043)
    Federal Reserve ID: 220648
    Date Established: Febuary 15, 1890
    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)
    FDIC's unique #: 2453
    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: May 06, 1995
    Last Structure Change Process Date: May 22, 1995
    Last Data Update: May 22, 1995
    Data Source Date: April 05, 2012
  • Location
  • Address: 200 North Third, Effingham, IL 62401
    County: Effingham
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Mount Vernon
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Core Based Statistical Area (CBSA): Effingham, IL (#20820)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $133.9 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $49Total assets
  • $134,508Cash and due from depository institutions
  • $6,948Interest-bearing balances
  • $28Securities
  • $41,389Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $83,013Loan loss allowance
  • $1,027Trading account assets
  • $0Bank premises and fixed assets
  • $1,262Other real estate owned
  • $217Goodwill and other intangibles
  • $1,679Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $134,508Total liabilities
  • $125,380Total deposits
  • $106,615Interest-bearing deposits
  • $91,550Deposits held in domestic offices
  • 106615.00%% insured (estimated)
  • $91Federal funds purchased & repurchase agreements
  • $17,125Trading liabilities
  • $0Other borrowed funds
  • $884Subordinated debt
  • $0All other liabilities
  • $756Total equity capital
  • $756Total bank equity capital
  • $9,128Perpetual preferred stock
  • $0Common stock
  • $618Surplus
  • $2,382Undivided profits
  • Memoranda
  • $6,128Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $80Income earned, not collected on loans
  • $777Earning assets
  • $124,430Long-term assets (5+ years)
  • $40,218Average Assets, year-to-date
  • $132,385Average Assets, quarterly
  • $132,178Volatile liabilities
  • $23,426Insider loans
  • $1,973FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $9,810Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $9,287Total risk weighted assets
  • $77,021Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1994)

  • Dollar figures in thousands
  • $0Total interest income
  • $8,298Total interest expense
  • $3,915Net interest income
  • $4,383Provision for loan and lease losses
  • $154Total noninterest income
  • $712Fiduciary activities
  • $120Service charges on deposit accounts
  • $202Trading account gains & fees
  • $0Additional noninterest income
  • $390Total noninterest expense
  • $3,133Salaries and employee benefits
  • $1,445Premises and equipment expense
  • $342Additional noninterest expense
  • $1,346Pre-tax net operating income
  • $1,808Securities gains (losses)
  • $52Applicable income taxes
  • $556Income before extraordinary items
  • $1,304Extraordinary gains - net
  • $0Net income attributable to bank
  • $1,304Net charge-offs
  • -$78Cash dividends
  • $658Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1994)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 6.65%Cost of funding earning assets
  • 3.14%Net interest margin
  • 3.51%Noninterest income to earning assets
  • 0.57%Noninterest expense to earning assets
  • 2.51%Net operating income to assets
  • 0.96%Return on assets (ROA)
  • 0.99%Pretax return on assets
  • 1.40%Return on equity (ROE)
  • 14.66%Retained earnings to average equity (YTD only)
  • 7.26%Net charge-offs to loans
  • -0.10%Credit loss provision to net charge-offs
  • -197.44%Efficiency ratio
  • 61,492Assets per employee
  • 2.75%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 50.46%Loss allowance to loans
  • 1.22%Loss allowance to noncurrent loans
  • 1283.75%Noncurrent assets plus other real estate owned to assets
  • 0.22%Noncurrent loans to loans
  • 0.10%Net loans and leases to deposits
  • 77.86%Net loans and leases to core deposits
  • 82.03%Equity capital to assets
  • 6.79%Core capital (leverage) ratio
  • 7.11%Tier 1 risk-based capital ratio
  • 12.06%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $132,385Average earning assets
  • $8,894Average equity
  • $124,733Average loans

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