Benld Loan Association in Benld, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of July 08, 1993

Benld Loan Association in Benld, Illinois (IL)
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Benld Loan Association - Overview

General
FDIC Certificate #: 30536
Status: Inactive
Closing history: Absorption - Without Assistance
Acquiring institution: The First National Bank in Staunton (#14924)
Federal Reserve ID: 185578
Date Established: January 01, 1921
Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
OTS Docket #: 5513
FDIC's unique #: 43370
Numeric code: 36
Regulator: OTS
Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
FDIC Insured: Yes
SAIF Insured: Yes
Insured Savings Institution: Yes
State Chartered: Yes
Date of Deposit Insurance: July 14, 1952
Last Structure Change Effective Date: July 08, 1993
Last Structure Change Process Date: July 21, 1993
Last Data Update: July 21, 1993
Data Source Date: April 05, 2012
Location
Address: 105 North Main Street, Benld, IL 62009
County: Macoupin
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Springfield Il
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Central
Combined Statistical Area (CSA): St. Louis-St. Charles-Farmington, MO-IL (#476)
Core Based Statistical Area (CBSA): St. Louis, MO-IL (#41180)
CBSA Metro Statistical Area: St. Louis, MO-IL (#41180)
Financial Summary
Total assets: $5.1 mil

Assets and Liabilities (December 31, 1992)

Dollar figures in thousands
0Total employees (full-time equivalent)
$2Total assets
$5,475Cash and due from depository institutions
$130Interest-bearing balances
$120Securities
$1,288Federal funds sold & reverse repurchase agreements
$0Net loans & leases
$3,804Loan loss allowance
$112Trading account assets
$0Bank premises and fixed assets
$81Other real estate owned
$104Goodwill and other intangibles
$68Life insurance assets
$0All other assets
$0Total liabilities and capital
$5,475Total liabilities
$5,330Total deposits
$5,213Interest-bearing deposits
$5,212Deposits held in domestic offices
5213.00%% insured (estimated)
$100Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$117Total equity capital
$117Total bank equity capital
$145Perpetual preferred stock
$0Common stock
$0Surplus
$0Undivided profits
Memoranda
$145Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$398Income earned, not collected on loans
$10Earning assets
$5,212Long-term assets (5+ years)
$0Average Assets, year-to-date
$5,748Average Assets, quarterly
$5,540Volatile liabilities
$0Insider loans
$0FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$145Total risk weighted assets
$2,735Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1992)

Dollar figures in thousands
$0Total interest income
$467Total interest expense
$363Net interest income
$104Provision for loan and lease losses
$79Total noninterest income
$2Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$0Additional noninterest income
$2Total noninterest expense
$121Salaries and employee benefits
$67Premises and equipment expense
$3Additional noninterest expense
$51Pre-tax net operating income
-$94Securities gains (losses)
-$2Applicable income taxes
-$8Income before extraordinary items
-$88Extraordinary gains - net
$0Net income attributable to bank
-$88Net charge-offs
$0Cash dividends
$0Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1992)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
8.48%Cost of funding earning assets
6.59%Net interest margin
1.89%Noninterest income to earning assets
0.04%Noninterest expense to earning assets
2.20%Net operating income to assets
-1.50%Return on assets (ROA)
-1.53%Pretax return on assets
-1.67%Return on equity (ROE)
-41.79%Retained earnings to average equity (YTD only)
-41.79%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
114,151Assets per employee
2.74%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.86%Loss allowance to noncurrent loans
28.14%Noncurrent assets plus other real estate owned to assets
9.17%Noncurrent loans to loans
10.16%Net loans and leases to deposits
72.97%Net loans and leases to core deposits
72.97%Equity capital to assets
2.65%Core capital (leverage) ratio
2.65%Tier 1 risk-based capital ratio
5.30%Total risk-based capital ratio
Memoranda
$7Average assets
$5,748Average earning assets
$211Average equity
$5,508Average loans

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