FDIC Certificate #: 3804 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Premier Bank (#34016) Federal Reserve ID: 365941 Date Established: January 01, 1893 WWW:http://www.fnbj.net Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 2 (Interstate: No) OTS Docket #: 13013 FDIC's unique #: 2465 Numeric code: 3 Regulator: OCC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes State Chartered: No Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: May 01, 2007 Last Structure Change Process Date: May 30, 2007 Last Data Update: May 30, 2007 Data Source Date: April 05, 2012
Location
Address: 1002 Public Square, Jonesboro, IL 62952 County: Union 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
Financial Summary
Total assets: $64.5 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2006)
Dollar figures in thousands
22Total employees (full-time equivalent)
$64,992Total assets
$1,720Cash and due from depository institutions
$15Interest-bearing balances
$17,279Securities
$4,414Federal funds sold & reverse repurchase agreements
$38,260Net loans & leases
$316Loan loss allowance
$0Trading account assets
$1,880Bank premises and fixed assets
$27Other real estate owned
$0Goodwill and other intangibles
$485Life insurance assets
$1,412All other assets
$64,992Total liabilities and capital
$59,071Total liabilities
$55,626Total deposits
$47,662Interest-bearing deposits
$55,626Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$3,000Other borrowed funds
$0Subordinated debt
$445All other liabilities
$5,921Total equity capital
$5,921Total bank equity capital
$5,921Perpetual preferred stock
$0Common stock
$450Surplus
$450Undivided profits
Memoranda
$5,021Noncurrent loans and leases
$1,910Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$285Earning assets
$0Long-term assets (5+ years)
$389Average Assets, year-to-date
$59,968Average Assets, quarterly
$10,530Volatile liabilities
$64,660Insider loans
$64,680FHLB advances
$8,846Loans and leases held for sale
$1,444Unused loan commitments
$3,000Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$1,910Total unused commitments
$108Restructured Loans and leases
$316Derivatives
Income and Expense (December 31, 2006)
Dollar figures in thousands
$3,605Total interest income
$1,478Total interest expense
$2,127Net interest income
$219Provision for loan and lease losses
$540Total noninterest income
$0Fiduciary activities
$441Service charges on deposit accounts
$0Trading account gains & fees
$99Additional noninterest income
$1,906Total noninterest expense
$994Salaries and employee benefits
$349Premises and equipment expense
$563Additional noninterest expense
$542Pre-tax net operating income
$0Securities gains (losses)
$135Applicable income taxes
$407Income before extraordinary items
$0Extraordinary gains - net
$407Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$345Sale, conversion, retirement of capital stock, net
$28Net operating income
Performance and Condition Ratios (December 31, 2006)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.04%Yield on earning assets
2.48%Cost of funding earning assets
3.56%Net interest margin
0.91%Noninterest income to earning assets
3.19%Noninterest expense to earning assets
0.63%Net operating income to assets
0.63%Return on assets (ROA)
0.84%Pretax return on assets
7.18%Return on equity (ROE)
6.69%Retained earnings to average equity (YTD only)
0.86%Net charge-offs to loans
63.48%Credit loss provision to net charge-offs
2.21%Efficiency ratio
71,466Assets per employee
2.95%Cash dividends to net income (YTD only)
Condition Ratios (%)
6.88%Loss allowance to loans
0.82%Loss allowance to noncurrent loans
110.88%Noncurrent assets plus other real estate owned to assets
0.48%Noncurrent loans to loans
0.74%Net loans and leases to deposits
68.78%Net loans and leases to core deposits
81.79%Equity capital to assets
9.11%Core capital (leverage) ratio
9.25%Tier 1 risk-based capital ratio
17.51%Total risk-based capital ratio
Memoranda
$18Average assets
$64,660Average earning assets
$5,665Average equity
$59,665Average loans
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