Chillicothe State Bank in Chillicothe, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of May 02, 1995

Chillicothe State Bank in Chillicothe, Illinois (IL)
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Chillicothe State Bank - Overview

General
FDIC Certificate #: 20366
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Commerce Bank, National Association (#3726)
Federal Reserve ID: 220639
Date Established: Febuary 15, 1971
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 1 (Interstate: No)
FDIC's unique #: 14029
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: Febuary 15, 1971
Last Structure Change Effective Date: May 02, 1995
Last Structure Change Process Date: May 15, 1995
Last Data Update: May 15, 1995
Data Source Date: April 05, 2012
Location
Address: 1057 North Second Street, Chillicothe, IL 61523
County: Peoria
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
Metropolitan Statistical Area (MSA): Peoria-Pekin, IL (#6120)
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: $22.7 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

Dollar figures in thousands
0Total employees (full-time equivalent)
$12Total assets
$23,827Cash and due from depository institutions
$1,020Interest-bearing balances
$0Securities
$10,078Federal funds sold & reverse repurchase agreements
$600Net loans & leases
$11,488Loan loss allowance
$95Trading account assets
$0Bank premises and fixed assets
$266Other real estate owned
$130Goodwill and other intangibles
$245Life insurance assets
$0All other assets
$0Total liabilities and capital
$23,827Total liabilities
$21,645Total deposits
$21,587Interest-bearing deposits
$18,695Deposits held in domestic offices
21587.00%% insured (estimated)
$91Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$58Total equity capital
$58Total bank equity capital
$2,182Perpetual preferred stock
$0Common stock
$240Surplus
$1,260Undivided profits
Memoranda
$682Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$163Income earned, not collected on loans
$69Earning assets
$22,166Long-term assets (5+ years)
$1,561Average Assets, year-to-date
$24,126Average Assets, quarterly
$24,025Volatile liabilities
$1,946Insider loans
$143FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$335Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$2,243Total risk weighted assets
$12,739Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1994)

Dollar figures in thousands
$0Total interest income
$1,642Total interest expense
$642Net interest income
$1,000Provision for loan and lease losses
$121Total noninterest income
$128Fiduciary activities
$0Service charges on deposit accounts
$82Trading account gains & fees
$0Additional noninterest income
$46Total noninterest expense
$675Salaries and employee benefits
$365Premises and equipment expense
$56Additional noninterest expense
$254Pre-tax net operating income
$332Securities gains (losses)
-$6Applicable income taxes
$94Income before extraordinary items
$232Extraordinary gains - net
$0Net income attributable to bank
$232Net charge-offs
$121Cash dividends
$60Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1994)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
7.37%Cost of funding earning assets
2.88%Net interest margin
4.49%Noninterest income to earning assets
0.57%Noninterest expense to earning assets
3.03%Net operating income to assets
0.98%Return on assets (ROA)
0.96%Pretax return on assets
1.35%Return on equity (ROE)
10.85%Retained earnings to average equity (YTD only)
8.05%Net charge-offs to loans
1.08%Credit loss provision to net charge-offs
100.00%Efficiency ratio
59,840Assets per employee
1.99%Cash dividends to net income (YTD only)
Condition Ratios (%)
25.86%Loss allowance to loans
0.82%Loss allowance to noncurrent loans
58.28%Noncurrent assets plus other real estate owned to assets
1.23%Noncurrent loans to loans
1.41%Net loans and leases to deposits
53.22%Net loans and leases to core deposits
58.49%Equity capital to assets
9.16%Core capital (leverage) ratio
9.30%Tier 1 risk-based capital ratio
17.61%Total risk-based capital ratio
Memoranda
$18Average assets
$24,126Average earning assets
$2,137Average equity
$22,279Average loans

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