First Bank in city_name, state_name - Detailed Financial Reports, Location

First Bank in O'fallon, Illinois (IL)
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First Bank - Overview

General
FDIC Certificate #: 3825
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: First Bank (#12229)
Federal Reserve ID: 334442
Date Established: September 03, 1903
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 27 (Interstate: No)
OTS Docket #: 13819
FDIC's unique #: 2485
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
Oakar Institutions: Yes
State Chartered: Yes
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: November 01, 1997
Last Structure Change Process Date: November 17, 1997
Last Data Update: November 17, 1997
Data Source Date: April 05, 2012
Location
Address: 200 South Lincoln Street, O'fallon, IL 62269
County: St. Clair
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Kansas City
FDIC Field Office: Mount Vernon
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Central
Metropolitan Statistical Area (MSA): St. Louis, MO-IL (#7040)
Combined Statistical Area (CSA): St. Louis-St. Charles-Farmington, MO-IL (#476)
Core Based Statistical Area (CBSA): St. Louis, MO-IL (#41180)
CBSA Metro Statistical Area: St. Louis, MO-IL (#41180)
Financial Summary
Total assets: $848.7 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

Dollar figures in thousands
0Total employees (full-time equivalent)
$255Total assets
$843,953Cash and due from depository institutions
$25,454Interest-bearing balances
$90Securities
$150,447Federal funds sold & reverse repurchase agreements
$28,850Net loans & leases
$620,651Loan loss allowance
$7,221Trading account assets
$0Bank premises and fixed assets
$6,846Other real estate owned
$77Goodwill and other intangibles
$9,837Life insurance assets
$1,791All other assets
$0Total liabilities and capital
$843,953Total liabilities
$782,374Total deposits
$773,619Interest-bearing deposits
$696,520Deposits held in domestic offices
773619.00%% insured (estimated)
$93Federal funds purchased & repurchase agreements
$3,326Trading liabilities
$0Other borrowed funds
$5Subordinated debt
$0All other liabilities
$5,424Total equity capital
$5,424Total bank equity capital
$61,579Perpetual preferred stock
$0Common stock
$4,000Surplus
$41,013Undivided profits
Memoranda
$16,566Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$5,357Income earned, not collected on loans
$4,555Earning assets
$800,038Long-term assets (5+ years)
$99,877Average Assets, year-to-date
$807,482Average Assets, quarterly
$838,046Volatile liabilities
$30,933Insider loans
$122FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$218,663Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$60,126Total risk weighted assets
$608,590Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1996)

Dollar figures in thousands
$0Total interest income
$61,124Total interest expense
$33,081Net interest income
$28,043Provision for loan and lease losses
$1,175Total noninterest income
$2,729Fiduciary activities
$0Service charges on deposit accounts
$2,199Trading account gains & fees
$0Additional noninterest income
$530Total noninterest expense
$15,065Salaries and employee benefits
$5,826Premises and equipment expense
$1,690Additional noninterest expense
$7,549Pre-tax net operating income
$14,532Securities gains (losses)
-$22Applicable income taxes
$4,891Income before extraordinary items
$9,619Extraordinary gains - net
$0Net income attributable to bank
$9,619Net charge-offs
$1,025Cash dividends
$6,250Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1996)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
8.09%Cost of funding earning assets
4.38%Net interest margin
3.71%Noninterest income to earning assets
0.36%Noninterest expense to earning assets
1.99%Net operating income to assets
1.19%Return on assets (ROA)
1.19%Pretax return on assets
1.80%Return on equity (ROE)
16.36%Retained earnings to average equity (YTD only)
5.73%Net charge-offs to loans
0.18%Credit loss provision to net charge-offs
114.63%Efficiency ratio
47,979Assets per employee
3.31%Cash dividends to net income (YTD only)
Condition Ratios (%)
64.98%Loss allowance to loans
1.15%Loss allowance to noncurrent loans
134.80%Noncurrent assets plus other real estate owned to assets
0.64%Noncurrent loans to loans
0.85%Net loans and leases to deposits
80.23%Net loans and leases to core deposits
83.20%Equity capital to assets
7.30%Core capital (leverage) ratio
7.17%Tier 1 risk-based capital ratio
9.88%Total risk-based capital ratio
Memoranda
$11Average assets
$807,482Average earning assets
$58,779Average equity
$755,481Average loans

First Bank in O'fallon, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

First Bank - Overview

Assets and Liabilities (December 31, 1996)

Income and Expense (December 31, 1996)

Performance and Condition Ratios (December 31, 1996)

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First Bank in O'fallon, Illinois (IL)Overview, Financial Summary, Detailed Financial Reports, Branches

First Bank - Overview

Assets and Liabilities (December 31, 1996)

Income and Expense (December 31, 1996)

Performance and Condition Ratios (December 31, 1996)

Comment about this bank, ask questions, or add new information about it:

First Bank in O'fallon, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches