FDIC Certificate #: 35602 Status: Active Federal Reserve ID: 449935 Date Established: May 01, 2000 WWW:http://www.countryinvestment.com Trust Powers Granted: Yes Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 16088 FDIC's unique #: 291943 Numeric code: 33 Regulator: OCC Insurance Fund Membership: Deposit Insurance Fund (DIF) FDIC Insured: Yes Insured Savings Institution: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: No Subchapter S Corporations: No Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion Date of Deposit Insurance: May 01, 2000 Last Structure Change Effective Date: July 21, 2011 Last Structure Change Process Date: July 21, 2011 Last Data Update: July 21, 2011 Data Source Date: April 05, 2012
Location
Address: 1705 North Towanda Avenue, Bloomington, IL 61701 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)
History of Changes
Change in Primary Regulatory Agency
Financial Summary
Total assets: $30.8 mil Equity capital: $28.4 mil Deposits held in domestic offices: $0.6 mil Return on assets (ROA): 10.13% ($3.1 mil) Quarterly return on assets: 8.58% ($2.7 mil) Return on Equity (ROE): 11.00% ($3.1 mil) Quarterly return on equity: 9.34% ($2.6 mil) Net income: $3.0 mil Quarterly Net income: $0.7 mil Pretax return on assets: 17.13% ($5,273.3 mil) Quarterly Pretax return on assets: 14.38% ($4,426.7 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2011)
Dollar figures in thousands
77Total employees (full-time equivalent)
$30,784Total assets
$4Cash and due from depository institutions
$0Interest-bearing balances
$25,454Securities
$0Federal funds sold & reverse repurchase agreements
$0Net loans & leases
$0Loan loss allowance
$0Trading account assets
$0Bank premises and fixed assets
$0Other real estate owned
$160Goodwill and other intangibles
$30,784Life insurance assets
$5,166All other assets
$2,407Total liabilities and capital
$647Total liabilities
$647Total deposits
$647Interest-bearing deposits
$100Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$1,760Subordinated debt
$28,377All other liabilities
$28,377Total equity capital
$28,377Total bank equity capital
$0Perpetual preferred stock
$1Common stock
$74Surplus
$28,302Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$179Long-term assets (5+ years)
$25,454Average Assets, year-to-date
$0Average Assets, quarterly
$29,758Volatile liabilities
$30,536Insider loans
$14,517FHLB advances
$29,908Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$27,789Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$0Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$852Total interest income
$0Total interest expense
$852Net interest income
$0Provision for loan and lease losses
$28,218Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$28,218Additional noninterest income
$23,993Total noninterest expense
$14,382Salaries and employee benefits
$2,171Premises and equipment expense
$7,440Additional noninterest expense
$5,077Pre-tax net operating income
$22Securities gains (losses)
$2,084Applicable income taxes
$3,015Income before extraordinary items
$0Extraordinary gains - net
$3,015Net income attributable to bank
$0Net charge-offs
$3,015Cash dividends
$0Sale, conversion, retirement of capital stock, net
$1,500Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.51%Yield on earning assets
0.00%Cost of funding earning assets
3.51%Net interest margin
116.18%Noninterest income to earning assets
98.78%Noninterest expense to earning assets
10.08%Net operating income to assets
10.13%Return on assets (ROA)
17.13%Pretax return on assets
11.00%Return on equity (ROE)
5.53%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
82,535Assets per employee
0.40%Cash dividends to net income (YTD only)
Condition Ratios (%)
49.75%Loss allowance to loans
0.00%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
0.00%Net loans and leases to core deposits
0.00%Equity capital to assets
92.18%Core capital (leverage) ratio
92.91%Tier 1 risk-based capital ratio
191.42%Total risk-based capital ratio
Memoranda
$191Average assets
$29,758Average earning assets
$27,414Average equity
$24,288Average loans
Total Fiduciary and Related Assets (December 31, 2011)
Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
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