The Hight State Bank in Dalton City, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 01, 1998

  • The Hight State Bank in Dalton City, Illinois (IL)
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The Hight State Bank - Overview

  • General
  • FDIC Certificate #: 10801
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Scott State Bank (#8491)
    Federal Reserve ID: 40332
    Date Established: January 01, 1892
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Interstate: No)
    FDIC's unique #: 6907
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: October 01, 1998
    Last Structure Change Process Date: October 29, 1998
    Last Data Update: October 29, 1998
    Data Source Date: April 05, 2012
  • Location
  • Address: Main Street, Dalton City, IL 61925
    County: Moultrie
    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
  • Financial Summary
  • Total assets: $12.6 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1997)

  • Dollar figures in thousands
  • 5Total employees (full-time equivalent)
  • $12,419Total assets
  • $387Cash and due from depository institutions
  • $0Interest-bearing balances
  • $3,256Securities
  • $528Federal funds sold & reverse repurchase agreements
  • $8,029Net loans & leases
  • $131Loan loss allowance
  • $0Trading account assets
  • $44Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $175All other assets
  • $12,419Total liabilities and capital
  • $11,152Total liabilities
  • $11,070Total deposits
  • $10,094Interest-bearing deposits
  • $11,070Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $82All other liabilities
  • $1,267Total equity capital
  • $1,267Total bank equity capital
  • $1,267Perpetual preferred stock
  • $0Common stock
  • $75Surplus
  • $525Undivided profits
  • Memoranda
  • $667Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $139Earning assets
  • $0Long-term assets (5+ years)
  • $93Average Assets, year-to-date
  • $11,813Average Assets, quarterly
  • $1,236Volatile liabilities
  • $12,548Insider loans
  • $12,876FHLB advances
  • $1,601Loans and leases held for sale
  • $1Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $302Total unused commitments
  • $0Restructured Loans and leases
  • $7,733Derivatives

Income and Expense (December 31, 1997)

  • Dollar figures in thousands
  • $962Total interest income
  • $470Total interest expense
  • $492Net interest income
  • $135Provision for loan and lease losses
  • $79Total noninterest income
  • $0Fiduciary activities
  • $63Service charges on deposit accounts
  • $0Trading account gains & fees
  • $16Additional noninterest income
  • $287Total noninterest expense
  • $168Salaries and employee benefits
  • $42Premises and equipment expense
  • $77Additional noninterest expense
  • $149Pre-tax net operating income
  • $0Securities gains (losses)
  • $45Applicable income taxes
  • $104Income before extraordinary items
  • $0Extraordinary gains - net
  • $104Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $89Sale, conversion, retirement of capital stock, net
  • $15Net operating income

Performance and Condition Ratios (December 31, 1997)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.12%Yield on earning assets
  • 3.97%Cost of funding earning assets
  • 4.15%Net interest margin
  • 0.67%Noninterest income to earning assets
  • 2.42%Noninterest expense to earning assets
  • 0.83%Net operating income to assets
  • 0.83%Return on assets (ROA)
  • 1.19%Pretax return on assets
  • 8.73%Return on equity (ROE)
  • 7.47%Retained earnings to average equity (YTD only)
  • 1.16%Net charge-offs to loans
  • 151.69%Credit loss provision to net charge-offs
  • 3.19%Efficiency ratio
  • 50,263Assets per employee
  • 2.48%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 14.42%Loss allowance to loans
  • 1.61%Loss allowance to noncurrent loans
  • 94.24%Noncurrent assets plus other real estate owned to assets
  • 1.12%Noncurrent loans to loans
  • 1.70%Net loans and leases to deposits
  • 72.53%Net loans and leases to core deposits
  • 84.79%Equity capital to assets
  • 10.20%Core capital (leverage) ratio
  • 10.34%Tier 1 risk-based capital ratio
  • 16.46%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $12,548Average earning assets
  • $1,192Average equity
  • $11,845Average loans

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