Banterra Bank Group in Eldorado, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of September 11, 1998

Banterra Bank Group in Eldorado, Illinois (IL)
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Banterra Bank Group - Overview

General
FDIC Certificate #: 16578
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Banterra Bank (#17514)
Federal Reserve ID: 483649
Date Established: March 04, 1947
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 6 (Interstate: No)
OTS Docket #: 14712
FDIC's unique #: 10724
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: May 19, 1947
Last Structure Change Effective Date: September 11, 1998
Last Structure Change Process Date: September 24, 1998
Last Data Update: September 24, 1998
Data Source Date: April 05, 2012
Location
Address: U.S. Route 45 South, Eldorado, IL 62930
County: Saline
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
Core Based Statistical Area (CBSA): Harrisburg, IL (#25380)
CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $168.8 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1997)

Dollar figures in thousands
50Total employees (full-time equivalent)
$172,376Total assets
$4,500Cash and due from depository institutions
$304Interest-bearing balances
$63,752Securities
$300Federal funds sold & reverse repurchase agreements
$98,090Net loans & leases
$3,330Loan loss allowance
$0Trading account assets
$1,223Bank premises and fixed assets
$150Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$4,361All other assets
$172,376Total liabilities and capital
$155,520Total liabilities
$154,046Total deposits
$139,900Interest-bearing deposits
$154,046Deposits held in domestic offices
0.00%% insured (estimated)
$500Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$974All other liabilities
$16,856Total equity capital
$16,856Total bank equity capital
$16,856Perpetual preferred stock
$0Common stock
$300Surplus
$4,588Undivided profits
Memoranda
$11,968Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$4,018Earning assets
$110Long-term assets (5+ years)
$2,304Average Assets, year-to-date
$162,446Average Assets, quarterly
$25,566Volatile liabilities
$176,102Insider loans
$173,099FHLB advances
$28,411Loans and leases held for sale
$998Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$12,063Total unused commitments
$0Restructured Loans and leases
$110,823Derivatives

Income and Expense (December 31, 1997)

Dollar figures in thousands
$13,314Total interest income
$6,852Total interest expense
$6,462Net interest income
$1,135Provision for loan and lease losses
$642Total noninterest income
$0Fiduciary activities
$371Service charges on deposit accounts
$0Trading account gains & fees
$271Additional noninterest income
$3,425Total noninterest expense
$1,731Salaries and employee benefits
$326Premises and equipment expense
$1,368Additional noninterest expense
$2,544Pre-tax net operating income
-$30Securities gains (losses)
$732Applicable income taxes
$1,782Income before extraordinary items
$0Extraordinary gains - net
$1,782Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$1,057Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1997)

Dollar figures in thousands
Performance Ratios (%, annualized)
7.97%Yield on earning assets
4.10%Cost of funding earning assets
3.87%Net interest margin
0.38%Noninterest income to earning assets
2.05%Noninterest expense to earning assets
1.02%Net operating income to assets
1.01%Return on assets (ROA)
1.43%Pretax return on assets
11.34%Return on equity (ROE)
11.34%Retained earnings to average equity (YTD only)
1.09%Net charge-offs to loans
107.38%Credit loss provision to net charge-offs
3.48%Efficiency ratio
48,212Assets per employee
3.45%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
3.28%Loss allowance to noncurrent loans
82.88%Noncurrent assets plus other real estate owned to assets
2.42%Noncurrent loans to loans
3.96%Net loans and leases to deposits
63.68%Net loans and leases to core deposits
77.77%Equity capital to assets
9.78%Core capital (leverage) ratio
9.60%Tier 1 risk-based capital ratio
15.08%Total risk-based capital ratio
Memoranda
$16Average assets
$176,102Average earning assets
$15,712Average equity
$167,019Average loans

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