United Illinois Bank of Southern Illinois in Benton, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of September 21, 1995

United Illinois Bank of Southern Illinois in Benton, Illinois (IL)
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United Illinois Bank of Southern Illinois - Overview

General
FDIC Certificate #: 22223
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Central Bank (#3788)
Federal Reserve ID: 503341
Date Established: Febuary 16, 1976
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 7 (Interstate: No)
FDIC's unique #: 15441
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: Febuary 16, 1976
Last Structure Change Effective Date: September 21, 1995
Last Structure Change Process Date: October 03, 1995
Last Data Update: October 03, 1995
Data Source Date: April 05, 2012
Location
Address: 701 Public Square, Benton, IL 62812
County: Franklin
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: $144.9 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

Dollar figures in thousands
0Total employees (full-time equivalent)
$78Total assets
$155,265Cash and due from depository institutions
$4,515Interest-bearing balances
$0Securities
$49,577Federal funds sold & reverse repurchase agreements
$3,100Net loans & leases
$92,833Loan loss allowance
$1,485Trading account assets
$0Bank premises and fixed assets
$2,058Other real estate owned
$471Goodwill and other intangibles
$2,711Life insurance assets
$0All other assets
$0Total liabilities and capital
$155,265Total liabilities
$143,002Total deposits
$133,075Interest-bearing deposits
$116,427Deposits held in domestic offices
133075.00%% insured (estimated)
$91Federal funds purchased & repurchase agreements
$4,000Trading liabilities
$0Other borrowed funds
$5,205Subordinated debt
$0All other liabilities
$722Total equity capital
$722Total bank equity capital
$12,263Perpetual preferred stock
$0Common stock
$500Surplus
$6,913Undivided profits
Memoranda
$4,850Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$531Income earned, not collected on loans
$811Earning assets
$145,510Long-term assets (5+ years)
$1,727Average Assets, year-to-date
$157,061Average Assets, quarterly
$154,612Volatile liabilities
$12,534Insider loans
$12FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$5,956Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$13,383Total risk weighted assets
$99,084Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1994)

Dollar figures in thousands
$0Total interest income
$10,792Total interest expense
$3,807Net interest income
$6,985Provision for loan and lease losses
$240Total noninterest income
$607Fiduciary activities
$5Service charges on deposit accounts
$438Trading account gains & fees
$0Additional noninterest income
$164Total noninterest expense
$4,066Salaries and employee benefits
$2,172Premises and equipment expense
$478Additional noninterest expense
$1,416Pre-tax net operating income
$3,286Securities gains (losses)
$8Applicable income taxes
$1,040Income before extraordinary items
$2,254Extraordinary gains - net
$0Net income attributable to bank
$2,254Net charge-offs
$173Cash dividends
$3,335Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1994)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
7.31%Cost of funding earning assets
2.58%Net interest margin
4.73%Noninterest income to earning assets
0.41%Noninterest expense to earning assets
2.75%Net operating income to assets
1.43%Return on assets (ROA)
1.44%Pretax return on assets
2.10%Return on equity (ROE)
17.02%Retained earnings to average equity (YTD only)
-8.16%Net charge-offs to loans
0.18%Credit loss provision to net charge-offs
138.73%Efficiency ratio
53,556Assets per employee
1.99%Cash dividends to net income (YTD only)
Condition Ratios (%)
147.96%Loss allowance to loans
1.57%Loss allowance to noncurrent loans
279.66%Noncurrent assets plus other real estate owned to assets
0.65%Noncurrent loans to loans
0.56%Net loans and leases to deposits
69.76%Net loans and leases to core deposits
71.55%Equity capital to assets
7.90%Core capital (leverage) ratio
8.53%Tier 1 risk-based capital ratio
13.51%Total risk-based capital ratio
Memoranda
$15Average assets
$157,061Average earning assets
$13,246Average equity
$147,709Average loans

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