Bank of Chenoa in Chenoa, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of May 31, 2001

Bank of Chenoa in Chenoa, Illinois (IL)
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Bank of Chenoa - Overview

General
FDIC Certificate #: 16922
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Heartland Bank and Trust Company (#20369)
Federal Reserve ID: 256432
Date Established: August 01, 1950
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 1 (Interstate: No)
FDIC's unique #: 11006
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: August 01, 1950
Last Structure Change Effective Date: May 31, 2001
Last Structure Change Process Date: June 22, 2001
Last Data Update: June 22, 2001
Data Source Date: April 05, 2012
Location
Address: Route 24 East At Fourth Street, Chenoa, IL 61726
County: Mclean
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Champaign
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Central
Metropolitan Statistical Area (MSA): Bloomington-Normal, IL (#1040)
Core Based Statistical Area (CBSA): Bloomington-Normal, IL (#14060)
CBSA Metro Statistical Area: Bloomington-Normal, IL (#14060)
Financial Summary
Total assets: $34.5 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, 2000)

Dollar figures in thousands
15Total employees (full-time equivalent)
$35,271Total assets
$1,169Cash and due from depository institutions
$0Interest-bearing balances
$12,767Securities
$0Federal funds sold & reverse repurchase agreements
$20,108Net loans & leases
$256Loan loss allowance
$0Trading account assets
$622Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$605All other assets
$35,271Total liabilities and capital
$31,514Total liabilities
$30,925Total deposits
$27,330Interest-bearing deposits
$30,925Deposits held in domestic offices
0.00%% insured (estimated)
$191Federal funds purchased & repurchase agreements
$0Trading liabilities
$90Other borrowed funds
$0Subordinated debt
$308All other liabilities
$3,757Total equity capital
$3,757Total bank equity capital
$3,757Perpetual preferred stock
$0Common stock
$700Surplus
$1,400Undivided profits
Memoranda
$1,657Noncurrent loans and leases
$1,382Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$6Earning assets
$0Long-term assets (5+ years)
$382Average Assets, year-to-date
$32,875Average Assets, quarterly
$4,421Volatile liabilities
$34,322Insider loans
$35,019FHLB advances
$2,056Loans and leases held for sale
$21Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$1,382Total unused commitments
$0Restructured Loans and leases
$256Derivatives

Income and Expense (December 31, 2000)

Dollar figures in thousands
$2,495Total interest income
$1,246Total interest expense
$1,249Net interest income
$24Provision for loan and lease losses
$276Total noninterest income
$0Fiduciary activities
$170Service charges on deposit accounts
$0Trading account gains & fees
$106Additional noninterest income
$1,001Total noninterest expense
$530Salaries and employee benefits
$69Premises and equipment expense
$402Additional noninterest expense
$500Pre-tax net operating income
$0Securities gains (losses)
$150Applicable income taxes
$350Income before extraordinary items
$0Extraordinary gains - net
$350Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$62Sale, conversion, retirement of capital stock, net
$15Net operating income

Performance and Condition Ratios (December 31, 2000)

Dollar figures in thousands
Performance Ratios (%, annualized)
7.78%Yield on earning assets
3.89%Cost of funding earning assets
3.90%Net interest margin
0.86%Noninterest income to earning assets
3.12%Noninterest expense to earning assets
1.02%Net operating income to assets
1.02%Return on assets (ROA)
1.46%Pretax return on assets
9.91%Return on equity (ROE)
9.49%Retained earnings to average equity (YTD only)
0.32%Net charge-offs to loans
38.71%Credit loss provision to net charge-offs
8.45%Efficiency ratio
65,639Assets per employee
2.35%Cash dividends to net income (YTD only)
Condition Ratios (%)
4.29%Loss allowance to loans
1.26%Loss allowance to noncurrent loans
4266.67%Noncurrent assets plus other real estate owned to assets
0.02%Noncurrent loans to loans
0.03%Net loans and leases to deposits
65.02%Net loans and leases to core deposits
68.98%Equity capital to assets
10.65%Core capital (leverage) ratio
10.31%Tier 1 risk-based capital ratio
16.61%Total risk-based capital ratio
Memoranda
$18Average assets
$34,322Average earning assets
$3,530Average equity
$32,065Average loans

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