United Community Bank in Gillespie, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of April 11, 1994

  • United Community Bank in Gillespie, Illinois (IL)
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United Community Bank - Overview

  • General
  • FDIC Certificate #: 1796
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: United Community Bank (#19459)
    Federal Reserve ID: 717344
    Date Established: July 20, 1922
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Interstate: No)
    OTS Docket #: 11024
    FDIC's unique #: 1192
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Oakar Institutions: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: April 11, 1994
    Last Structure Change Process Date: May 18, 1994
    Last Data Update: May 18, 1994
    Data Source Date: April 05, 2012
  • Location
  • Address: 121 South Macoupin Street, Gillespie, IL 62033
    County: Macoupin
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Springfield Il
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Combined Statistical Area (CSA): St. Louis-St. Charles-Farmington, MO-IL (#476)
    Core Based Statistical Area (CBSA): St. Louis, MO-IL (#41180)
    CBSA Metro Statistical Area: St. Louis, MO-IL (#41180)
  • Financial Summary
  • Total assets: $49.3 mil

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

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $16Total assets
  • $49,529Cash and due from depository institutions
  • $980Interest-bearing balances
  • $100Securities
  • $23,992Federal funds sold & reverse repurchase agreements
  • $1,100Net loans & leases
  • $21,695Loan loss allowance
  • $202Trading account assets
  • $0Bank premises and fixed assets
  • $827Other real estate owned
  • $0Goodwill and other intangibles
  • $526Life insurance assets
  • $409All other assets
  • $0Total liabilities and capital
  • $49,529Total liabilities
  • $44,614Total deposits
  • $43,073Interest-bearing deposits
  • $39,105Deposits held in domestic offices
  • 43073.00%% insured (estimated)
  • $100Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,153Subordinated debt
  • $0All other liabilities
  • $388Total equity capital
  • $388Total bank equity capital
  • $4,915Perpetual preferred stock
  • $0Common stock
  • $578Surplus
  • $4,122Undivided profits
  • Memoranda
  • $215Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $30Income earned, not collected on loans
  • $222Earning assets
  • $46,887Long-term assets (5+ years)
  • $7,524Average Assets, year-to-date
  • $48,988Average Assets, quarterly
  • $49,574Volatile liabilities
  • $1,678Insider loans
  • $1FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $1,268Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $4,506Total risk weighted assets
  • $27,364Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1993)

  • Dollar figures in thousands
  • $0Total interest income
  • $3,262Total interest expense
  • $1,505Net interest income
  • $1,757Provision for loan and lease losses
  • $17Total noninterest income
  • $173Fiduciary activities
  • $0Service charges on deposit accounts
  • $127Trading account gains & fees
  • $0Additional noninterest income
  • $46Total noninterest expense
  • $1,024Salaries and employee benefits
  • $466Premises and equipment expense
  • $125Additional noninterest expense
  • $433Pre-tax net operating income
  • $889Securities gains (losses)
  • -$4Applicable income taxes
  • $251Income before extraordinary items
  • $634Extraordinary gains - net
  • $0Net income attributable to bank
  • $634Net charge-offs
  • $2Cash dividends
  • $496Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1993)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.04%Cost of funding earning assets
  • 3.25%Net interest margin
  • 3.79%Noninterest income to earning assets
  • 0.37%Noninterest expense to earning assets
  • 2.21%Net operating income to assets
  • 1.30%Return on assets (ROA)
  • 1.29%Pretax return on assets
  • 1.81%Return on equity (ROE)
  • 13.01%Retained earnings to average equity (YTD only)
  • 2.83%Net charge-offs to loans
  • 0.01%Credit loss provision to net charge-offs
  • 850.00%Efficiency ratio
  • 50,933Assets per employee
  • 3.10%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 78.23%Loss allowance to loans
  • 0.92%Loss allowance to noncurrent loans
  • 673.33%Noncurrent assets plus other real estate owned to assets
  • 0.06%Noncurrent loans to loans
  • 0.14%Net loans and leases to deposits
  • 50.37%Net loans and leases to core deposits
  • 50.99%Equity capital to assets
  • 9.92%Core capital (leverage) ratio
  • 9.14%Tier 1 risk-based capital ratio
  • 16.47%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $48,988Average earning assets
  • $4,872Average equity
  • $46,309Average loans

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