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

This bank is inactive as of July 01, 1993

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

General
FDIC Certificate #: 20547
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Shelby County State Bank (#11702)
Federal Reserve ID: 549330
Date Established: December 02, 1971
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 1 (Interstate: No)
FDIC's unique #: 14181
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: December 02, 1971
Last Structure Change Effective Date: July 01, 1993
Last Structure Change Process Date: July 22, 1993
Last Data Update: July 22, 1993
Data Source Date: April 05, 2012
Location
Address: 207 East Division Street, Findlay, IL 62534
County: Shelby
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
Financial Summary
Total assets: $8.2 mil

Assets and Liabilities (December 31, 1992)

Dollar figures in thousands
0Total employees (full-time equivalent)
$5Total assets
$8,608Cash and due from depository institutions
$448Interest-bearing balances
$0Securities
$2,543Federal funds sold & reverse repurchase agreements
$0Net loans & leases
$5,057Loan loss allowance
$65Trading account assets
$0Bank premises and fixed assets
$163Other real estate owned
$74Goodwill and other intangibles
$323Life insurance assets
$0All other assets
$0Total liabilities and capital
$8,608Total liabilities
$7,943Total deposits
$7,862Interest-bearing deposits
$7,123Deposits held in domestic offices
7862.00%% insured (estimated)
$98Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$81Total equity capital
$81Total bank equity capital
$665Perpetual preferred stock
$0Common stock
$240Surplus
$435Undivided profits
Memoranda
$-10Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$438Income earned, not collected on loans
$146Earning assets
$7,600Long-term assets (5+ years)
$363Average Assets, year-to-date
$9,157Average Assets, quarterly
$8,979Volatile liabilities
$401Insider loans
$98FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$665Total risk weighted assets
$4,734Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1992)

Dollar figures in thousands
$0Total interest income
$716Total interest expense
$407Net interest income
$309Provision for loan and lease losses
$9Total noninterest income
$42Fiduciary activities
$0Service charges on deposit accounts
$13Trading account gains & fees
$0Additional noninterest income
$29Total noninterest expense
$362Salaries and employee benefits
$172Premises and equipment expense
$44Additional noninterest expense
$146Pre-tax net operating income
-$20Securities gains (losses)
$20Applicable income taxes
$0Income before extraordinary items
$0Extraordinary gains - net
$0Net income attributable to bank
$0Net charge-offs
$18Cash dividends
$0Sale, conversion, retirement of capital stock, net
$100Net operating income

Performance and Condition Ratios (December 31, 1992)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
9.05%Cost of funding earning assets
5.14%Net interest margin
3.90%Noninterest income to earning assets
0.53%Noninterest expense to earning assets
4.57%Net operating income to assets
-0.22%Return on assets (ROA)
0.00%Pretax return on assets
0.00%Return on equity (ROE)
0.00%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.33%Credit loss provision to net charge-offs
50.00%Efficiency ratio
103,134Assets per employee
1.72%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.27%Loss allowance to noncurrent loans
14.84%Noncurrent assets plus other real estate owned to assets
5.95%Noncurrent loans to loans
8.55%Net loans and leases to deposits
64.32%Net loans and leases to core deposits
67.78%Equity capital to assets
7.73%Core capital (leverage) ratio
7.38%Tier 1 risk-based capital ratio
14.05%Total risk-based capital ratio
Memoranda
$15Average assets
$9,157Average earning assets
$624Average equity
$7,916Average loans

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