FDIC Certificate #: 28428 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Main Street Bank & Trust (#10842) Federal Reserve ID: 407373 Date Established: January 01, 1888 WWW:http://www.csbnet.com Bank Charter Class: Savings banks, state charter, supervised by the FDIC Offices: 5 (Interstate: No) OTS Docket #: 1570 FDIC's unique #: 41262 Numeric code: 41 Regulator: FDIC Insurance Fund Membership: Savings Association Insurance Fund (SAIF) FDIC Insured: Yes SAIF Insured: Yes Insured Savings Institution: Yes State Chartered: Yes Date of Deposit Insurance: June 23, 1952 Last Structure Change Effective Date: October 08, 2005 Last Structure Change Process Date: October 14, 2005 Last Data Update: October 14, 2005 Data Source Date: April 05, 2012
Location
Address: 2101 North Veterans Parkway, Bloomington, IL 61704 County: Mclean 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): Bloomington-Normal, IL (#1040) Core Based Statistical Area (CBSA): Bloomington-Normal, IL (#14060) CBSA Metro Statistical Area: Bloomington-Normal, IL (#14060)
Financial Summary
Total assets: $316.8 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2004)
Dollar figures in thousands
85Total employees (full-time equivalent)
$322,150Total assets
$27,635Cash and due from depository institutions
$22,199Interest-bearing balances
$26,052Securities
$8,207Federal funds sold & reverse repurchase agreements
$231,546Net loans & leases
$2,686Loan loss allowance
$0Trading account assets
$5,515Bank premises and fixed assets
$92Other real estate owned
$356Goodwill and other intangibles
$0Life insurance assets
$22,747All other assets
$322,150Total liabilities and capital
$290,167Total liabilities
$231,508Total deposits
$208,330Interest-bearing deposits
$231,508Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$56,675Other borrowed funds
$0Subordinated debt
$1,984All other liabilities
$31,983Total equity capital
$31,983Total bank equity capital
$31,983Perpetual preferred stock
$0Common stock
$1Surplus
$14,713Undivided profits
Memoranda
$17,269Noncurrent loans and leases
$25,284Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$725Earning assets
$0Long-term assets (5+ years)
$2,168Average Assets, year-to-date
$288,004Average Assets, quarterly
$86,757Volatile liabilities
$332,652Insider loans
$322,458FHLB advances
$59,619Loans and leases held for sale
$6,617Unused loan commitments
$56,675Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$587Total risk weighted assets
$25,284Total unused commitments
$0Restructured Loans and leases
$2,594Derivatives
Income and Expense (December 31, 2004)
Dollar figures in thousands
$17,344Total interest income
$6,612Total interest expense
$10,732Net interest income
-$473Provision for loan and lease losses
$1,958Total noninterest income
$0Fiduciary activities
$818Service charges on deposit accounts
$0Trading account gains & fees
$1,140Additional noninterest income
$7,964Total noninterest expense
$4,462Salaries and employee benefits
$1,051Premises and equipment expense
$2,451Additional noninterest expense
$5,199Pre-tax net operating income
$0Securities gains (losses)
$1,822Applicable income taxes
$3,377Income before extraordinary items
$0Extraordinary gains - net
$3,377Net income attributable to bank
$0Net charge-offs
$0Cash dividends
-$137Sale, conversion, retirement of capital stock, net
$1,725Net operating income
Performance and Condition Ratios (December 31, 2004)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.86%Yield on earning assets
2.24%Cost of funding earning assets
3.63%Net interest margin
0.66%Noninterest income to earning assets
2.69%Noninterest expense to earning assets
1.02%Net operating income to assets
1.02%Return on assets (ROA)
1.56%Pretax return on assets
10.83%Return on equity (ROE)
5.30%Retained earnings to average equity (YTD only)
-0.05%Net charge-offs to loans
345.26%Credit loss provision to net charge-offs
0.00%Efficiency ratio
62,758Assets per employee
3.79%Cash dividends to net income (YTD only)
Condition Ratios (%)
51.08%Loss allowance to loans
1.15%Loss allowance to noncurrent loans
370.48%Noncurrent assets plus other real estate owned to assets
0.25%Noncurrent loans to loans
0.31%Net loans and leases to deposits
100.02%Net loans and leases to core deposits
118.20%Equity capital to assets
9.93%Core capital (leverage) ratio
9.92%Tier 1 risk-based capital ratio
15.42%Total risk-based capital ratio
Memoranda
$17Average assets
$332,652Average earning assets
$31,193Average equity
$295,739Average loans
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