White County Bank in Carmi, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of May 19, 2000

White County Bank in Carmi, Illinois (IL)
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White County Bank - Overview

General
FDIC Certificate #: 11684
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Integra Bank National Association (#4392)
Federal Reserve ID: 700346
Date Established: January 01, 1904
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Interstate: No)
OTS Docket #: 14768
FDIC's unique #: 7469
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: May 19, 2000
Last Structure Change Process Date: July 20, 2000
Last Data Update: July 20, 2000
Data Source Date: April 05, 2012
Location
Address: 215 East Main Street, Carmi, IL 62821
County: White
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: $56.9 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
14Total employees (full-time equivalent)
$58,707Total assets
$2,184Cash and due from depository institutions
$28Interest-bearing balances
$16,413Securities
$0Federal funds sold & reverse repurchase agreements
$37,947Net loans & leases
$1,056Loan loss allowance
$0Trading account assets
$684Bank premises and fixed assets
$256Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$1,223All other assets
$58,707Total liabilities and capital
$53,806Total liabilities
$49,994Total deposits
$42,003Interest-bearing deposits
$49,994Deposits held in domestic offices
0.00%% insured (estimated)
$3,467Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$345All other liabilities
$4,901Total equity capital
$4,901Total bank equity capital
$4,901Perpetual preferred stock
$0Common stock
$960Surplus
$1,540Undivided profits
Memoranda
$2,401Noncurrent loans and leases
$3,356Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$875Earning assets
$0Long-term assets (5+ years)
$710Average Assets, year-to-date
$54,388Average Assets, quarterly
$13,851Volatile liabilities
$57,900Insider loans
$58,689FHLB advances
$9,698Loans and leases held for sale
$427Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$3,356Total unused commitments
$0Restructured Loans and leases
$521Derivatives

Income and Expense (December 31, 1999)

Dollar figures in thousands
$4,132Total interest income
$1,777Total interest expense
$2,355Net interest income
$615Provision for loan and lease losses
$428Total noninterest income
$0Fiduciary activities
$298Service charges on deposit accounts
$0Trading account gains & fees
$130Additional noninterest income
$1,197Total noninterest expense
$556Salaries and employee benefits
$122Premises and equipment expense
$519Additional noninterest expense
$971Pre-tax net operating income
$0Securities gains (losses)
$64Applicable income taxes
$907Income before extraordinary items
$0Extraordinary gains - net
$907Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$171Sale, conversion, retirement of capital stock, net
$1,100Net operating income

Performance and Condition Ratios (December 31, 1999)

Dollar figures in thousands
Performance Ratios (%, annualized)
7.62%Yield on earning assets
3.28%Cost of funding earning assets
4.34%Net interest margin
0.79%Noninterest income to earning assets
2.21%Noninterest expense to earning assets
1.57%Net operating income to assets
1.57%Return on assets (ROA)
1.68%Pretax return on assets
17.37%Return on equity (ROE)
-3.70%Retained earnings to average equity (YTD only)
0.48%Net charge-offs to loans
359.65%Credit loss provision to net charge-offs
9.27%Efficiency ratio
43,011Assets per employee
4.19%Cash dividends to net income (YTD only)
Condition Ratios (%)
121.28%Loss allowance to loans
2.71%Loss allowance to noncurrent loans
120.69%Noncurrent assets plus other real estate owned to assets
1.52%Noncurrent loans to loans
2.24%Net loans and leases to deposits
75.90%Net loans and leases to core deposits
86.71%Equity capital to assets
8.35%Core capital (leverage) ratio
8.59%Tier 1 risk-based capital ratio
12.19%Total risk-based capital ratio
Memoranda
$13Average assets
$57,900Average earning assets
$5,223Average equity
$54,226Average loans

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