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

This bank is inactive as of December 28, 2004

Central Bank Fulton in Fulton, Illinois (IL)
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Central Bank Fulton - Overview

General
FDIC Certificate #: 5736
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Central Bank Illinois (#11670)
Federal Reserve ID: 608938
Date Established: May 05, 1902
WWW: http://www.central-bank.com
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Interstate: No)
OTS Docket #: 14322
FDIC's unique #: 3911
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: January 01, 1934
Last Structure Change Effective Date: December 28, 2004
Last Structure Change Process Date: January 12, 2005
Last Data Update: January 12, 2005
Data Source Date: April 05, 2012
Location
Address: 1404 14th Avenue, Fulton, IL 61252
County: Whiteside
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
Core Based Statistical Area (CBSA): Sterling, IL (#44580)
CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $54.5 mil

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

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2003)

Dollar figures in thousands
15Total employees (full-time equivalent)
$55,681Total assets
$3,761Cash and due from depository institutions
$1,128Interest-bearing balances
$20,497Securities
$0Federal funds sold & reverse repurchase agreements
$26,308Net loans & leases
$506Loan loss allowance
$0Trading account assets
$2,031Bank premises and fixed assets
$0Other real estate owned
$2,226Goodwill and other intangibles
$0Life insurance assets
$858All other assets
$55,681Total liabilities and capital
$48,131Total liabilities
$42,824Total deposits
$38,960Interest-bearing deposits
$42,824Deposits held in domestic offices
0.00%% insured (estimated)
$3,285Federal funds purchased & repurchase agreements
$0Trading liabilities
$1,500Other borrowed funds
$0Subordinated debt
$522All other liabilities
$7,550Total equity capital
$7,550Total bank equity capital
$7,550Perpetual preferred stock
$0Common stock
$376Surplus
$6,314Undivided profits
Memoranda
$860Noncurrent loans and leases
$3,124Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$227Earning assets
$0Long-term assets (5+ years)
$376Average Assets, year-to-date
$47,933Average Assets, quarterly
$12,915Volatile liabilities
$54,988Insider loans
$55,541FHLB advances
$8,129Loans and leases held for sale
$0Unused loan commitments
$1,500Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$3,124Total unused commitments
$0Restructured Loans and leases
$424Derivatives

Income and Expense (December 31, 2003)

Dollar figures in thousands
$2,605Total interest income
$942Total interest expense
$1,663Net interest income
$0Provision for loan and lease losses
$304Total noninterest income
$1Fiduciary activities
$141Service charges on deposit accounts
$0Trading account gains & fees
$162Additional noninterest income
$1,554Total noninterest expense
$879Salaries and employee benefits
$249Premises and equipment expense
$426Additional noninterest expense
$413Pre-tax net operating income
$119Securities gains (losses)
$122Applicable income taxes
$410Income before extraordinary items
$0Extraordinary gains - net
$410Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$78Sale, conversion, retirement of capital stock, net
$34Net operating income

Performance and Condition Ratios (December 31, 2003)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.49%Yield on earning assets
1.99%Cost of funding earning assets
3.51%Net interest margin
0.64%Noninterest income to earning assets
3.28%Noninterest expense to earning assets
0.58%Net operating income to assets
0.75%Return on assets (ROA)
0.97%Pretax return on assets
5.56%Return on equity (ROE)
5.10%Retained earnings to average equity (YTD only)
0.30%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
5.29%Efficiency ratio
74,021Assets per employee
3.71%Cash dividends to net income (YTD only)
Condition Ratios (%)
8.29%Loss allowance to loans
1.89%Loss allowance to noncurrent loans
222.91%Noncurrent assets plus other real estate owned to assets
0.41%Noncurrent loans to loans
0.85%Net loans and leases to deposits
61.43%Net loans and leases to core deposits
66.64%Equity capital to assets
13.56%Core capital (leverage) ratio
9.75%Tier 1 risk-based capital ratio
15.28%Total risk-based capital ratio
Memoranda
$17Average assets
$54,988Average earning assets
$7,375Average equity
$47,416Average loans

Total Fiduciary and Related Assets (December 31, 2003)

Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
YesFiduciary powers granted
YesFiduciary or related activity
$659Managed Assets
1Number of Accounts
$488Personal trust and agency accounts
$488Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Investment management agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
5Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$171Other retirement accounts
$0Corporate trust and agency accounts
$0Other fiduciary accounts
$171Fiduciary accounts held in foreign offices

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