Citizens First National Bank of Peru in Peru, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of December 06, 1993

Citizens First National Bank of Peru in Peru, Illinois (IL)
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Citizens First National Bank of Peru - Overview

General
FDIC Certificate #: 20054
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Citizens First National Bank (#3731)
Federal Reserve ID: 990549
Date Established: October 06, 1969
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 1 (Interstate: No)
FDIC's unique #: 13774
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: No
Date of Deposit Insurance: October 06, 1969
Last Structure Change Effective Date: December 06, 1993
Last Structure Change Process Date: December 20, 1993
Last Data Update: December 20, 1993
Data Source Date: April 05, 2012
Location
Address: 925 Shooting Park Road, Peru, IL 61354
County: La Salle
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): Ottawa-Streator, IL (#36860)
CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $58.1 mil

Assets and Liabilities (December 31, 1992)

Dollar figures in thousands
0Total employees (full-time equivalent)
$24Total assets
$58,223Cash and due from depository institutions
$3,471Interest-bearing balances
$600Securities
$31,007Federal funds sold & reverse repurchase agreements
$1,200Net loans & leases
$19,957Loan loss allowance
$197Trading account assets
$0Bank premises and fixed assets
$1,106Other real estate owned
$0Goodwill and other intangibles
$771Life insurance assets
$711All other assets
$0Total liabilities and capital
$58,223Total liabilities
$52,256Total deposits
$51,139Interest-bearing deposits
$46,141Deposits held in domestic offices
51139.00%% insured (estimated)
$98Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$1,117Total equity capital
$1,117Total bank equity capital
$5,967Perpetual preferred stock
$0Common stock
$1,200Surplus
$4,596Undivided profits
Memoranda
$171Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$109Earning assets
$52,764Long-term assets (5+ years)
$5,985Average Assets, year-to-date
$56,499Average Assets, quarterly
$58,622Volatile liabilities
$1,847Insider loans
$218FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$343Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$5,256Total risk weighted assets
$27,787Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1992)

Dollar figures in thousands
$0Total interest income
$4,129Total interest expense
$2,410Net interest income
$1,719Provision for loan and lease losses
-$26Total noninterest income
$407Fiduciary activities
$0Service charges on deposit accounts
$225Trading account gains & fees
$0Additional noninterest income
$182Total noninterest expense
$1,508Salaries and employee benefits
$633Premises and equipment expense
$60Additional noninterest expense
$815Pre-tax net operating income
$644Securities gains (losses)
$42Applicable income taxes
$213Income before extraordinary items
$473Extraordinary gains - net
$0Net income attributable to bank
$473Net charge-offs
$88Cash dividends
$0Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1992)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
7.99%Cost of funding earning assets
4.66%Net interest margin
3.33%Noninterest income to earning assets
0.79%Noninterest expense to earning assets
2.92%Net operating income to assets
0.79%Return on assets (ROA)
0.84%Pretax return on assets
1.21%Return on equity (ROE)
9.96%Retained earnings to average equity (YTD only)
9.96%Net charge-offs to loans
0.42%Credit loss provision to net charge-offs
-29.55%Efficiency ratio
69,755Assets per employee
2.43%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.98%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
39.03%Net loans and leases to core deposits
40.49%Equity capital to assets
10.25%Core capital (leverage) ratio
8.99%Tier 1 risk-based capital ratio
18.92%Total risk-based capital ratio
Memoranda
$20Average assets
$56,499Average earning assets
$4,748Average equity
$51,697Average loans

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