First Bank of Eureka in Eureka, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of May 29, 1997

First Bank of Eureka in Eureka, Illinois (IL)
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First Bank of Eureka - Overview

General
FDIC Certificate #: 921
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Heartland Bank and Trust Company (#20369)
Federal Reserve ID: 546731
Date Established: October 01, 1882
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Interstate: No)
OTS Docket #: 12450
FDIC's unique #: 596
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: May 29, 1997
Last Structure Change Process Date: June 16, 1997
Last Data Update: June 16, 1997
Data Source Date: April 05, 2012
Location
Address: 108 North Main Street, Eureka, IL 61530
County: Woodford
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
Metropolitan Statistical Area (MSA): Peoria-Pekin, IL (#6120)
Combined Statistical Area (CSA): Peoria-Canton, IL (#426)
Core Based Statistical Area (CBSA): Peoria, IL (#37900)
CBSA Metro Statistical Area: Peoria, IL (#37900)
Financial Summary
Total assets: $57.1 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)
$24Total assets
$62,126Cash and due from depository institutions
$4,131Interest-bearing balances
$137Securities
$18,393Federal funds sold & reverse repurchase agreements
$4,350Net loans & leases
$33,771Loan loss allowance
$403Trading account assets
$0Bank premises and fixed assets
$441Other real estate owned
$0Goodwill and other intangibles
$1,032Life insurance assets
$8All other assets
$0Total liabilities and capital
$62,126Total liabilities
$57,377Total deposits
$53,251Interest-bearing deposits
$43,648Deposits held in domestic offices
53251.00%% insured (estimated)
$79Federal funds purchased & repurchase agreements
$3,942Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$184Total equity capital
$184Total bank equity capital
$4,749Perpetual preferred stock
$0Common stock
$525Surplus
$2,075Undivided profits
Memoranda
$2,149Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$8Income earned, not collected on loans
$547Earning assets
$56,651Long-term assets (5+ years)
$9,189Average Assets, year-to-date
$56,803Average Assets, quarterly
$59,434Volatile liabilities
$7,699Insider loans
$66FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$7,138Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$4,737Total risk weighted assets
$38,357Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1996)

Dollar figures in thousands
$0Total interest income
$4,191Total interest expense
$1,829Net interest income
$2,362Provision for loan and lease losses
$60Total noninterest income
$577Fiduciary activities
$0Service charges on deposit accounts
$90Trading account gains & fees
$0Additional noninterest income
$487Total noninterest expense
$1,541Salaries and employee benefits
$822Premises and equipment expense
$171Additional noninterest expense
$548Pre-tax net operating income
$1,338Securities gains (losses)
$0Applicable income taxes
$350Income before extraordinary items
$988Extraordinary gains - net
$0Net income attributable to bank
$988Net charge-offs
$20Cash dividends
$394Sale, 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
8.00%Cost of funding earning assets
3.49%Net interest margin
4.51%Noninterest income to earning assets
1.10%Noninterest expense to earning assets
2.94%Net operating income to assets
1.74%Return on assets (ROA)
1.74%Pretax return on assets
2.36%Return on equity (ROE)
22.38%Retained earnings to average equity (YTD only)
13.46%Net charge-offs to loans
0.06%Credit loss provision to net charge-offs
300.00%Efficiency ratio
52,433Assets per employee
2.59%Cash dividends to net income (YTD only)
Condition Ratios (%)
39.88%Loss allowance to loans
1.18%Loss allowance to noncurrent loans
5037.50%Noncurrent assets plus other real estate owned to assets
0.01%Noncurrent loans to loans
0.02%Net loans and leases to deposits
63.42%Net loans and leases to core deposits
68.23%Equity capital to assets
7.64%Core capital (leverage) ratio
8.06%Tier 1 risk-based capital ratio
12.35%Total risk-based capital ratio
Memoranda
$13Average assets
$56,803Average earning assets
$4,414Average equity
$52,418Average loans

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