UMB First State Bank of Morrisonville in Morrisonville, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of September 25, 1999

  • UMB First State Bank of Morrisonville in Morrisonville, Illinois (IL)
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UMB First State Bank of Morrisonville - Overview

  • General
  • FDIC Certificate #: 1788
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: UMB Bank, National Association (#8273)
    Federal Reserve ID: 1008348
    Date Established: January 20, 1930
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Interstate: No)
    FDIC's unique #: 1185
    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: September 25, 1999
    Last Structure Change Process Date: October 06, 1999
    Last Data Update: October 06, 1999
    Data Source Date: April 05, 2012
  • Location
  • Address: 5th And Carlin Streets, Morrisonville, IL 62546
    County: Christian
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Springfield Il
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Core Based Statistical Area (CBSA): Taylorville, IL (#45380)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $11.3 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, 1998)

  • Dollar figures in thousands
  • 10Total employees (full-time equivalent)
  • $12,214Total assets
  • $362Cash and due from depository institutions
  • $0Interest-bearing balances
  • $6,279Securities
  • $896Federal funds sold & reverse repurchase agreements
  • $4,375Net loans & leases
  • $93Loan loss allowance
  • $0Trading account assets
  • $129Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $173All other assets
  • $12,214Total liabilities and capital
  • $11,273Total liabilities
  • $11,144Total deposits
  • $8,411Interest-bearing deposits
  • $11,144Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $129All other liabilities
  • $941Total equity capital
  • $941Total bank equity capital
  • $941Perpetual preferred stock
  • $0Common stock
  • $120Surplus
  • $380Undivided profits
  • Memoranda
  • $441Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $0Long-term assets (5+ years)
  • $42Average Assets, year-to-date
  • $11,550Average Assets, quarterly
  • $1,591Volatile liabilities
  • $12,834Insider loans
  • $11,942FHLB advances
  • $793Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $20Total unused commitments
  • $0Restructured Loans and leases
  • $5,858Derivatives

Income and Expense (December 31, 1998)

  • Dollar figures in thousands
  • $700Total interest income
  • $406Total interest expense
  • $294Net interest income
  • $36Provision for loan and lease losses
  • $501Total noninterest income
  • $0Fiduciary activities
  • $32Service charges on deposit accounts
  • $0Trading account gains & fees
  • $469Additional noninterest income
  • $521Total noninterest expense
  • $202Salaries and employee benefits
  • $60Premises and equipment expense
  • $259Additional noninterest expense
  • $238Pre-tax net operating income
  • $0Securities gains (losses)
  • $21Applicable income taxes
  • $217Income before extraordinary items
  • $0Extraordinary gains - net
  • $217Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $25Sale, conversion, retirement of capital stock, net
  • $300Net operating income

Performance and Condition Ratios (December 31, 1998)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.09%Yield on earning assets
  • 3.53%Cost of funding earning assets
  • 2.56%Net interest margin
  • 4.36%Noninterest income to earning assets
  • 4.53%Noninterest expense to earning assets
  • 1.69%Net operating income to assets
  • 1.69%Return on assets (ROA)
  • 1.85%Pretax return on assets
  • 20.28%Return on equity (ROE)
  • -7.76%Retained earnings to average equity (YTD only)
  • 0.56%Net charge-offs to loans
  • 144.00%Credit loss provision to net charge-offs
  • 10.96%Efficiency ratio
  • 65,535Assets per employee
  • 1.22%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 138.25%Loss allowance to loans
  • 2.08%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 39.26%Net loans and leases to core deposits
  • 42.27%Equity capital to assets
  • 7.70%Core capital (leverage) ratio
  • 7.55%Tier 1 risk-based capital ratio
  • 15.28%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $12,834Average earning assets
  • $1,070Average equity
  • $11,492Average loans

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