FDIC Certificate #: 30620 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Union Planters Bank, National Association (#4979) Federal Reserve ID: 195773 Date Established: January 01, 1904 Bank Charter Class: Savings banks, state charter, supervised by the FDIC Offices: 14 (Interstate: No) OTS Docket #: 5644 FDIC's unique #: 43454 Numeric code: 41 Regulator: FDIC Insurance Fund Membership: Savings Association Insurance Fund (SAIF) FDIC Insured: Yes SAIF Insured: Yes Insured Savings Institution: Yes Oakar Institutions: Yes State Chartered: Yes Date of Deposit Insurance: December 28, 1953 Last Structure Change Effective Date: May 21, 1999 Last Structure Change Process Date: June 08, 1999 Last Data Update: June 08, 1999 Data Source Date: April 05, 2012
Location
Address: 135 East Main St, Decatur, IL 62523 County: Macon Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Dallas FDIC Field Office: Champaign Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: Central Metropolitan Statistical Area (MSA): Decatur, IL (#2040) Core Based Statistical Area (CBSA): Decatur, IL (#19500) CBSA Metro Statistical Area: Decatur, IL (#19500)
Financial Summary
Total assets: $397.1 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 1998)
Dollar figures in thousands
151Total employees (full-time equivalent)
$376,728Total assets
$28,552Cash and due from depository institutions
$21,218Interest-bearing balances
$32,564Securities
$0Federal funds sold & reverse repurchase agreements
$290,059Net loans & leases
$1,637Loan loss allowance
$0Trading account assets
$6,352Bank premises and fixed assets
$286Other real estate owned
$12,398Goodwill and other intangibles
$0Life insurance assets
$6,517All other assets
$376,728Total liabilities and capital
$322,810Total liabilities
$315,594Total deposits
$301,830Interest-bearing deposits
$315,594Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$4,444Other borrowed funds
$0Subordinated debt
$2,772All other liabilities
$53,918Total equity capital
$53,918Total bank equity capital
$53,918Perpetual preferred stock
$0Common stock
$235Surplus
$25,825Undivided profits
Memoranda
$27,858Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$1,934Earning assets
$0Long-term assets (5+ years)
$1,578Average Assets, year-to-date
$343,841Average Assets, quarterly
$87,318Volatile liabilities
$383,327Insider loans
$374,919FHLB advances
$22,190Loans and leases held for sale
$141Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$4,767Total risk weighted assets
$23,600Total unused commitments
$0Restructured Loans and leases
$230,606Derivatives
Income and Expense (December 31, 1998)
Dollar figures in thousands
$27,229Total interest income
$15,575Total interest expense
$11,654Net interest income
$679Provision for loan and lease losses
$2,611Total noninterest income
$0Fiduciary activities
$743Service charges on deposit accounts
$0Trading account gains & fees
$1,868Additional noninterest income
$10,445Total noninterest expense
$5,424Salaries and employee benefits
$1,351Premises and equipment expense
$3,670Additional noninterest expense
$3,141Pre-tax net operating income
$0Securities gains (losses)
$1,140Applicable income taxes
$2,001Income before extraordinary items
$0Extraordinary gains - net
$2,001Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$474Sale, conversion, retirement of capital stock, net
$550Net operating income
Performance and Condition Ratios (December 31, 1998)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.78%Yield on earning assets
4.45%Cost of funding earning assets
3.33%Net interest margin
0.75%Noninterest income to earning assets
2.99%Noninterest expense to earning assets
0.52%Net operating income to assets
0.52%Return on assets (ROA)
0.82%Pretax return on assets
3.80%Return on equity (ROE)
2.76%Retained earnings to average equity (YTD only)
0.16%Net charge-offs to loans
143.25%Credit loss provision to net charge-offs
8.06%Efficiency ratio
68,251Assets per employee
2.49%Cash dividends to net income (YTD only)
Condition Ratios (%)
27.49%Loss allowance to loans
0.56%Loss allowance to noncurrent loans
84.64%Noncurrent assets plus other real estate owned to assets
0.59%Noncurrent loans to loans
0.66%Net loans and leases to deposits
91.91%Net loans and leases to core deposits
98.07%Equity capital to assets
14.31%Core capital (leverage) ratio
11.51%Tier 1 risk-based capital ratio
18.18%Total risk-based capital ratio
Memoranda
$19Average assets
$383,327Average earning assets
$52,619Average equity
$349,798Average loans
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