Bradford Banking Company in Bradford, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 10, 1994

Bradford Banking Company in Bradford, Illinois (IL)
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Bradford Banking Company - Overview

General
FDIC Certificate #: 14763
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Peoples National Bank of Kewanee (#926)
Federal Reserve ID: 398435
Date Established: January 01, 1920
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 1 (Interstate: No)
FDIC's unique #: 9233
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: October 08, 1934
Last Structure Change Effective Date: January 10, 1994
Last Structure Change Process Date: Febuary 10, 1994
Last Data Update: Febuary 10, 1994
Data Source Date: April 05, 2012
Location
Address: 179 West Main, Bradford, IL 61421
County: Stark
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Princeton
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Central
Combined Statistical Area (CSA): Peoria-Canton, IL (#426)
Core Based Statistical Area (CBSA): Peoria, IL (#37900)
CBSA Metro Statistical Area: Peoria, IL (#37900)
Financial Summary
Total assets: $17.2 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

Dollar figures in thousands
0Total employees (full-time equivalent)
$8Total assets
$17,222Cash and due from depository institutions
$550Interest-bearing balances
$0Securities
$7,618Federal funds sold & reverse repurchase agreements
$3,600Net loans & leases
$5,138Loan loss allowance
$89Trading account assets
$0Bank premises and fixed assets
$81Other real estate owned
$0Goodwill and other intangibles
$235Life insurance assets
$0All other assets
$0Total liabilities and capital
$17,222Total liabilities
$15,823Total deposits
$15,769Interest-bearing deposits
$13,846Deposits held in domestic offices
15769.00%% insured (estimated)
$77Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$54Total equity capital
$54Total bank equity capital
$1,399Perpetual preferred stock
$0Common stock
$150Surplus
$650Undivided profits
Memoranda
$599Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$75Income earned, not collected on loans
$86Earning assets
$16,356Long-term assets (5+ years)
$947Average Assets, year-to-date
$15,170Average Assets, quarterly
$16,088Volatile liabilities
$900Insider loans
$10FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$1,399Total risk weighted assets
$6,991Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1993)

Dollar figures in thousands
$0Total interest income
$975Total interest expense
$430Net interest income
$545Provision for loan and lease losses
$18Total noninterest income
$46Fiduciary activities
$0Service charges on deposit accounts
$30Trading account gains & fees
$0Additional noninterest income
$16Total noninterest expense
$438Salaries and employee benefits
$218Premises and equipment expense
$51Additional noninterest expense
$169Pre-tax net operating income
$135Securities gains (losses)
$0Applicable income taxes
$36Income before extraordinary items
$99Extraordinary gains - net
$36Net income attributable to bank
$135Net charge-offs
$60Cash dividends
$22Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1993)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
6.91%Cost of funding earning assets
3.05%Net interest margin
3.86%Noninterest income to earning assets
0.33%Noninterest expense to earning assets
3.10%Net operating income to assets
0.65%Return on assets (ROA)
0.89%Pretax return on assets
1.13%Return on equity (ROE)
9.95%Retained earnings to average equity (YTD only)
8.33%Net charge-offs to loans
1.11%Credit loss provision to net charge-offs
30.00%Efficiency ratio
74,112Assets per employee
2.15%Cash dividends to net income (YTD only)
Condition Ratios (%)
16.30%Loss allowance to loans
1.70%Loss allowance to noncurrent loans
118.67%Noncurrent assets plus other real estate owned to assets
0.44%Noncurrent loans to loans
1.43%Net loans and leases to deposits
32.58%Net loans and leases to core deposits
34.56%Equity capital to assets
8.12%Core capital (leverage) ratio
8.93%Tier 1 risk-based capital ratio
20.01%Total risk-based capital ratio
Memoranda
$21Average assets
$15,170Average earning assets
$1,357Average equity
$14,120Average loans

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