Citizens Community Bank of Decatur in Decatur, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 13, 2006

Citizens Community Bank of Decatur in Decatur, Illinois (IL)
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Citizens Community Bank of Decatur - Overview

General
FDIC Certificate #: 34082
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Buena Vista National Bank (#10844)
Federal Reserve ID: 2356064
Date Established: October 30, 1995
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 1 (Interstate: No)
FDIC's unique #: 56219
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 30, 1995
Last Structure Change Effective Date: January 13, 2006
Last Structure Change Process Date: January 26, 2006
Last Data Update: January 26, 2006
Data Source Date: April 05, 2012
Location
Address: 3795 North Woodford Street, Decatur, IL 62526
County: Macon
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Champaign
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Central
Metropolitan Statistical Area (MSA): Decatur, IL (#2040)
Core Based Statistical Area (CBSA): Decatur, IL (#19500)
CBSA Metro Statistical Area: Decatur, IL (#19500)
Financial Summary
Total assets: $13.4 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, 2005)

Dollar figures in thousands
10Total employees (full-time equivalent)
$13,397Total assets
$562Cash and due from depository institutions
$12Interest-bearing balances
$3,399Securities
$398Federal funds sold & reverse repurchase agreements
$8,113Net loans & leases
$162Loan loss allowance
$0Trading account assets
$392Bank premises and fixed assets
$215Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$318All other assets
$13,397Total liabilities and capital
$12,205Total liabilities
$12,006Total deposits
$10,252Interest-bearing deposits
$12,006Deposits held in domestic offices
0.00%% insured (estimated)
$140Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$59All other liabilities
$1,192Total equity capital
$1,192Total bank equity capital
$1,192Perpetual preferred stock
$0Common stock
$2,549Surplus
$1,923Undivided profits
Memoranda
$-3,280Noncurrent loans and leases
$629Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$406Earning assets
$0Long-term assets (5+ years)
$69Average Assets, year-to-date
$11,922Average Assets, quarterly
$246Volatile liabilities
$13,937Insider loans
$13,598FHLB advances
$2,918Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$629Total unused commitments
$0Restructured Loans and leases
$112Derivatives

Income and Expense (December 31, 2005)

Dollar figures in thousands
$707Total interest income
$346Total interest expense
$361Net interest income
-$27Provision for loan and lease losses
$131Total noninterest income
$0Fiduciary activities
$25Service charges on deposit accounts
$0Trading account gains & fees
$106Additional noninterest income
$749Total noninterest expense
$396Salaries and employee benefits
$111Premises and equipment expense
$242Additional noninterest expense
-$230Pre-tax net operating income
-$1Securities gains (losses)
$0Applicable income taxes
-$231Income before extraordinary items
$0Extraordinary gains - net
-$231Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$68Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2005)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.77%Yield on earning assets
2.82%Cost of funding earning assets
2.95%Net interest margin
1.07%Noninterest income to earning assets
6.11%Noninterest expense to earning assets
-1.65%Net operating income to assets
-1.66%Return on assets (ROA)
-1.66%Pretax return on assets
-16.72%Return on equity (ROE)
-16.72%Retained earnings to average equity (YTD only)
0.79%Net charge-offs to loans
-39.71%Credit loss provision to net charge-offs
-3.78%Efficiency ratio
152,236Assets per employee
1.34%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.96%Loss allowance to noncurrent loans
39.90%Noncurrent assets plus other real estate owned to assets
4.64%Noncurrent loans to loans
4.91%Net loans and leases to deposits
67.57%Net loans and leases to core deposits
87.92%Equity capital to assets
8.90%Core capital (leverage) ratio
9.20%Tier 1 risk-based capital ratio
13.38%Total risk-based capital ratio
Memoranda
$15Average assets
$13,937Average earning assets
$1,381Average equity
$12,257Average loans

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