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

This bank is inactive as of December 14, 2000

  • The National State Bank of Metropolis in Metropolis, Illinois (IL)
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The National State Bank of Metropolis - Overview

  • General
  • FDIC Certificate #: 3815
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: Banterra Bank (#17514)
    Federal Reserve ID: 297743
    Date Established: January 01, 1895
    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 #: 13545
    FDIC's unique #: 2476
    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: December 14, 2000
    Last Structure Change Process Date: December 18, 2000
    Last Data Update: December 18, 2000
    Data Source Date: April 05, 2012
  • Location
  • Address: 101 West 8th Street, Metropolis, IL 62960
    County: Massac
    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
    Combined Statistical Area (CSA): Paducah-Mayfield, KY-IL (#424)
    Core Based Statistical Area (CBSA): Paducah, KY-IL (#37140)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Absorption - Assisted
  • Financial Summary
  • Total assets: $90.4 mil

1992 - 1999 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, 1999)

  • Dollar figures in thousands
  • 35Total employees (full-time equivalent)
  • $89,802Total assets
  • $4,824Cash and due from depository institutions
  • $810Interest-bearing balances
  • $21,616Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $58,815Net loans & leases
  • $828Loan loss allowance
  • $0Trading account assets
  • $2,750Bank premises and fixed assets
  • $51Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $1,746All other assets
  • $89,802Total liabilities and capital
  • $80,311Total liabilities
  • $68,582Total deposits
  • $61,655Interest-bearing deposits
  • $68,582Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $4,475Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $6,700Other borrowed funds
  • $0Subordinated debt
  • $554All other liabilities
  • $9,491Total equity capital
  • $9,491Total bank equity capital
  • $9,491Perpetual preferred stock
  • $0Common stock
  • $460Surplus
  • $460Undivided profits
  • Memoranda
  • $8,571Noncurrent loans and leases
  • $4,933Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $714Earning assets
  • $0Long-term assets (5+ years)
  • $478Average Assets, year-to-date
  • $81,241Average Assets, quarterly
  • $14,286Volatile liabilities
  • $87,686Insider loans
  • $89,350FHLB advances
  • $20,588Loans and leases held for sale
  • $1,964Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $4,933Total unused commitments
  • $494Restructured Loans and leases
  • $756Derivatives

Income and Expense (December 31, 1999)

  • Dollar figures in thousands
  • $6,410Total interest income
  • $3,071Total interest expense
  • $3,339Net interest income
  • $769Provision for loan and lease losses
  • $690Total noninterest income
  • $0Fiduciary activities
  • $358Service charges on deposit accounts
  • $0Trading account gains & fees
  • $332Additional noninterest income
  • $2,669Total noninterest expense
  • $1,206Salaries and employee benefits
  • $305Premises and equipment expense
  • $1,158Additional noninterest expense
  • $591Pre-tax net operating income
  • $8Securities gains (losses)
  • $92Applicable income taxes
  • $507Income before extraordinary items
  • $0Extraordinary gains - net
  • $507Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $640Sale, conversion, retirement of capital stock, net
  • $391Net operating income

Performance and Condition Ratios (December 31, 1999)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.01%Yield on earning assets
  • 3.84%Cost of funding earning assets
  • 4.17%Net interest margin
  • 0.86%Noninterest income to earning assets
  • 3.34%Noninterest expense to earning assets
  • 0.57%Net operating income to assets
  • 0.58%Return on assets (ROA)
  • 0.68%Pretax return on assets
  • 5.14%Return on equity (ROE)
  • 1.18%Retained earnings to average equity (YTD only)
  • 1.13%Net charge-offs to loans
  • 120.16%Credit loss provision to net charge-offs
  • 2.13%Efficiency ratio
  • 66,245Assets per employee
  • 2.57%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 77.12%Loss allowance to loans
  • 1.39%Loss allowance to noncurrent loans
  • 115.97%Noncurrent assets plus other real estate owned to assets
  • 0.85%Noncurrent loans to loans
  • 1.20%Net loans and leases to deposits
  • 85.76%Net loans and leases to core deposits
  • 106.03%Equity capital to assets
  • 10.57%Core capital (leverage) ratio
  • 10.94%Tier 1 risk-based capital ratio
  • 16.53%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $87,686Average earning assets
  • $9,866Average equity
  • $80,026Average loans

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