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

This bank is inactive as of September 11, 1998

Banterra Bank of Christopher in Christopher, Illinois (IL)
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Banterra Bank of Christopher - Overview

General
FDIC Certificate #: 15938
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Banterra Bank (#17514)
Federal Reserve ID: 213042
Date Established: April 28, 1943
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 1 (Interstate: No)
FDIC's unique #: 10169
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: April 28, 1943
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: 506 North Victor Street, Christopher, IL 62822
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: $55.7 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
12Total employees (full-time equivalent)
$54,437Total assets
$2,088Cash and due from depository institutions
$99Interest-bearing balances
$29,878Securities
$400Federal funds sold & reverse repurchase agreements
$20,570Net loans & leases
$540Loan loss allowance
$0Trading account assets
$505Bank premises and fixed assets
$135Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$861All other assets
$54,437Total liabilities and capital
$48,769Total liabilities
$47,956Total deposits
$44,564Interest-bearing deposits
$47,956Deposits held in domestic offices
0.00%% insured (estimated)
$559Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$254All other liabilities
$5,668Total equity capital
$5,668Total bank equity capital
$5,668Perpetual preferred stock
$0Common stock
$100Surplus
$1,900Undivided profits
Memoranda
$3,668Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$261Earning assets
$0Long-term assets (5+ years)
$296Average Assets, year-to-date
$50,947Average Assets, quarterly
$9,298Volatile liabilities
$52,467Insider loans
$53,474FHLB advances
$4,261Loans and leases held for sale
$1,004Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$713Total unused commitments
$0Restructured Loans and leases
$26,145Derivatives

Income and Expense (December 31, 1997)

Dollar figures in thousands
$3,764Total interest income
$1,888Total interest expense
$1,876Net interest income
-$185Provision for loan and lease losses
$217Total noninterest income
$0Fiduciary activities
$128Service charges on deposit accounts
$0Trading account gains & fees
$89Additional noninterest income
$724Total noninterest expense
$284Salaries and employee benefits
$68Premises and equipment expense
$372Additional noninterest expense
$1,554Pre-tax net operating income
-$13Securities gains (losses)
$490Applicable income taxes
$1,051Income before extraordinary items
$0Extraordinary gains - net
$1,051Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$32Sale, conversion, retirement of capital stock, net
$800Net operating income

Performance and Condition Ratios (December 31, 1997)

Dollar figures in thousands
Performance Ratios (%, annualized)
7.58%Yield on earning assets
3.80%Cost of funding earning assets
3.78%Net interest margin
0.44%Noninterest income to earning assets
1.46%Noninterest expense to earning assets
2.02%Net operating income to assets
2.00%Return on assets (ROA)
2.94%Pretax return on assets
20.18%Return on equity (ROE)
4.82%Retained earnings to average equity (YTD only)
0.16%Net charge-offs to loans
-578.13%Credit loss provision to net charge-offs
42.78%Efficiency ratio
34,591Assets per employee
4.54%Cash dividends to net income (YTD only)
Condition Ratios (%)
76.12%Loss allowance to loans
2.56%Loss allowance to noncurrent loans
206.90%Noncurrent assets plus other real estate owned to assets
0.73%Noncurrent loans to loans
1.24%Net loans and leases to deposits
42.89%Net loans and leases to core deposits
46.48%Equity capital to assets
10.41%Core capital (leverage) ratio
10.57%Tier 1 risk-based capital ratio
21.46%Total risk-based capital ratio
Memoranda
$23Average assets
$52,467Average earning assets
$5,208Average equity
$49,637Average loans

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