Central Bank in Fairview Heights, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of September 18, 1998

  • Central Bank in Fairview Heights, Illinois (IL)
  • Show street view No street view available for this location

Central Bank - Overview

  • General
  • FDIC Certificate #: 3788
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Mercantile Bank of St. Louis National Association (#13066)
    Federal Reserve ID: 824747
    Date Established: January 01, 1869
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 23 (Interstate: No)
    FDIC's unique #: 2451
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Oakar Institutions: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: September 18, 1998
    Last Structure Change Process Date: October 08, 1998
    Last Data Update: October 08, 1998
    Data Source Date: April 05, 2012
  • Location
  • Address: 6701 North Illinois Street, Fairview Heights, IL 62208
    County: St. Clair
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Mount Vernon
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): St. Louis, MO-IL (#7040)
    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: $767.1 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
  • 267Total employees (full-time equivalent)
  • $755,136Total assets
  • $40,578Cash and due from depository institutions
  • $10,000Interest-bearing balances
  • $241,733Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $444,232Net loans & leases
  • $7,647Loan loss allowance
  • $0Trading account assets
  • $14,915Bank premises and fixed assets
  • $548Other real estate owned
  • $1,302Goodwill and other intangibles
  • $0Life insurance assets
  • $11,828All other assets
  • $755,136Total liabilities and capital
  • $690,944Total liabilities
  • $662,340Total deposits
  • $583,355Interest-bearing deposits
  • $662,340Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $23,913Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $134Other borrowed funds
  • $0Subordinated debt
  • $4,557All other liabilities
  • $64,192Total equity capital
  • $64,192Total bank equity capital
  • $64,192Perpetual preferred stock
  • $57Common stock
  • $1,350Surplus
  • $30,782Undivided profits
  • Memoranda
  • $32,003Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $6,984Earning assets
  • $0Long-term assets (5+ years)
  • $3,180Average Assets, year-to-date
  • $695,965Average Assets, quarterly
  • $44,374Volatile liabilities
  • $722,817Insider loans
  • $743,344FHLB advances
  • $116,457Loans and leases held for sale
  • $3,780Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $1,052Total risk weighted assets
  • $52,275Total unused commitments
  • $0Restructured Loans and leases
  • $462,430Derivatives

Income and Expense (December 31, 1997)

  • Dollar figures in thousands
  • $53,355Total interest income
  • $25,788Total interest expense
  • $27,567Net interest income
  • $900Provision for loan and lease losses
  • $6,931Total noninterest income
  • $482Fiduciary activities
  • $2,111Service charges on deposit accounts
  • $0Trading account gains & fees
  • $4,338Additional noninterest income
  • $18,080Total noninterest expense
  • $8,902Salaries and employee benefits
  • $2,510Premises and equipment expense
  • $6,668Additional noninterest expense
  • $15,518Pre-tax net operating income
  • $127Securities gains (losses)
  • $5,187Applicable income taxes
  • $10,458Income before extraordinary items
  • $0Extraordinary gains - net
  • $10,458Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $1,020Sale, conversion, retirement of capital stock, net
  • $7,700Net operating income

Performance and Condition Ratios (December 31, 1997)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.98%Yield on earning assets
  • 3.85%Cost of funding earning assets
  • 4.12%Net interest margin
  • 1.04%Noninterest income to earning assets
  • 2.70%Noninterest expense to earning assets
  • 1.44%Net operating income to assets
  • 1.45%Return on assets (ROA)
  • 2.16%Pretax return on assets
  • 16.90%Return on equity (ROE)
  • 4.46%Retained earnings to average equity (YTD only)
  • 0.24%Net charge-offs to loans
  • 88.24%Credit loss provision to net charge-offs
  • 16.10%Efficiency ratio
  • 52,238Assets per employee
  • 2.83%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 73.63%Loss allowance to loans
  • 1.69%Loss allowance to noncurrent loans
  • 109.49%Noncurrent assets plus other real estate owned to assets
  • 1.00%Noncurrent loans to loans
  • 1.55%Net loans and leases to deposits
  • 67.07%Net loans and leases to core deposits
  • 77.95%Equity capital to assets
  • 8.50%Core capital (leverage) ratio
  • 8.48%Tier 1 risk-based capital ratio
  • 13.74%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $722,817Average earning assets
  • $61,884Average equity
  • $668,993Average loans

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