Farmers and Traders State Bank of Meredosia in Meredosia, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of September 21, 2000

Farmers and Traders State Bank of Meredosia in Meredosia, Illinois (IL)
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Farmers and Traders State Bank of Meredosia - Overview

General
FDIC Certificate #: 5725
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Prairie State Bank and Trust (#27362)
Federal Reserve ID: 385248
Date Established: January 01, 1887
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 3 (Interstate: No)
OTS Docket #: 15443
FDIC's unique #: 3901
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: January 01, 1934
Last Structure Change Effective Date: September 21, 2000
Last Structure Change Process Date: September 26, 2000
Last Data Update: September 26, 2000
Data Source Date: April 05, 2012
Location
Address: Main Street, Meredosia, IL 62665
County: Morgan
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Springfield Il
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Central
Core Based Statistical Area (CBSA): Jacksonville, IL (#27300)
CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $32.8 mil

1992 - 1999 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, 1999)

Dollar figures in thousands
13Total employees (full-time equivalent)
$33,264Total assets
$2,958Cash and due from depository institutions
$1,384Interest-bearing balances
$9,394Securities
$0Federal funds sold & reverse repurchase agreements
$19,923Net loans & leases
$147Loan loss allowance
$0Trading account assets
$474Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$515All other assets
$33,264Total liabilities and capital
$30,722Total liabilities
$29,698Total deposits
$26,730Interest-bearing deposits
$29,698Deposits held in domestic offices
0.00%% insured (estimated)
$845Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$179All other liabilities
$2,542Total equity capital
$2,542Total bank equity capital
$2,542Perpetual preferred stock
$0Common stock
$117Surplus
$1,383Undivided profits
Memoranda
$1,042Noncurrent loans and leases
$5,208Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$1Earning assets
$0Long-term assets (5+ years)
$350Average Assets, year-to-date
$30,701Average Assets, quarterly
$923Volatile liabilities
$31,159Insider loans
$32,342FHLB advances
$3,016Loans and leases held for sale
$273Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$5,208Total unused commitments
$0Restructured Loans and leases
$147Derivatives

Income and Expense (December 31, 1999)

Dollar figures in thousands
$2,141Total interest income
$1,157Total interest expense
$984Net interest income
$15Provision for loan and lease losses
$117Total noninterest income
$0Fiduciary activities
$54Service charges on deposit accounts
$0Trading account gains & fees
$63Additional noninterest income
$728Total noninterest expense
$358Salaries and employee benefits
$103Premises and equipment expense
$267Additional noninterest expense
$358Pre-tax net operating income
$0Securities gains (losses)
$119Applicable income taxes
$239Income before extraordinary items
$0Extraordinary gains - net
$239Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$3Sale, conversion, retirement of capital stock, net
$91Net operating income

Performance and Condition Ratios (December 31, 1999)

Dollar figures in thousands
Performance Ratios (%, annualized)
7.49%Yield on earning assets
4.05%Cost of funding earning assets
3.44%Net interest margin
0.41%Noninterest income to earning assets
2.55%Noninterest expense to earning assets
0.77%Net operating income to assets
0.77%Return on assets (ROA)
1.15%Pretax return on assets
9.76%Return on equity (ROE)
6.04%Retained earnings to average equity (YTD only)
0.02%Net charge-offs to loans
500.00%Credit loss provision to net charge-offs
124.33%Efficiency ratio
66,122Assets per employee
2.56%Cash dividends to net income (YTD only)
Condition Ratios (%)
38.08%Loss allowance to loans
0.73%Loss allowance to noncurrent loans
14700.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
67.09%Net loans and leases to core deposits
72.38%Equity capital to assets
7.64%Core capital (leverage) ratio
8.06%Tier 1 risk-based capital ratio
12.36%Total risk-based capital ratio
Memoranda
$13Average assets
$31,159Average earning assets
$2,450Average equity
$28,588Average loans

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