FDIC Certificate #: 3680 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Sidell State Bank (#15807) Federal Reserve ID: 810339 Date Established: January 01, 1920 Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 1 (Interstate: No) FDIC's unique #: 2354 Numeric code: 3 Regulator: OCC Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes State Chartered: No Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: January 14, 2005 Last Structure Change Process Date: January 25, 2005 Last Data Update: January 25, 2005 Data Source Date: April 05, 2012
Location
Address: 134 South Main Street, Homer, IL 61849 County: Champaign 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): Champaign-Urbana, IL (#1400) Core Based Statistical Area (CBSA): Champaign-Urbana, IL (#16580) CBSA Metro Statistical Area: Champaign-Urbana, IL (#16580)
Financial Summary
Total assets: $10.7 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2004)
Dollar figures in thousands
6Total employees (full-time equivalent)
$10,708Total assets
$1,394Cash and due from depository institutions
$0Interest-bearing balances
$2,186Securities
$889Federal funds sold & reverse repurchase agreements
$5,852Net loans & leases
$448Loan loss allowance
$0Trading account assets
$213Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$174All other assets
$10,708Total liabilities and capital
$9,596Total liabilities
$9,587Total deposits
$6,050Interest-bearing deposits
$9,587Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$9All other liabilities
$1,112Total equity capital
$1,112Total bank equity capital
$1,112Perpetual preferred stock
$0Common stock
$40Surplus
$60Undivided profits
Memoranda
$1,012Noncurrent loans and leases
$722Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$44Earning assets
$0Long-term assets (5+ years)
$156Average Assets, year-to-date
$8,927Average Assets, quarterly
$1,197Volatile liabilities
$11,376Insider loans
$10,822FHLB advances
$599Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$722Total unused commitments
$0Restructured Loans and leases
$79Derivatives
Income and Expense (December 31, 2004)
Dollar figures in thousands
$605Total interest income
$100Total interest expense
$505Net interest income
$0Provision for loan and lease losses
$57Total noninterest income
$0Fiduciary activities
$38Service charges on deposit accounts
$0Trading account gains & fees
$19Additional noninterest income
$657Total noninterest expense
$362Salaries and employee benefits
$72Premises and equipment expense
$223Additional noninterest expense
-$95Pre-tax net operating income
$0Securities gains (losses)
$5Applicable income taxes
-$100Income before extraordinary items
$0Extraordinary gains - net
-$100Net income attributable to bank
$0Net charge-offs
$0Cash dividends
-$74Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2004)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.19%Yield on earning assets
1.02%Cost of funding earning assets
5.16%Net interest margin
0.58%Noninterest income to earning assets
6.72%Noninterest expense to earning assets
-0.88%Net operating income to assets
-0.88%Return on assets (ROA)
-0.84%Pretax return on assets
-8.46%Return on equity (ROE)
-8.46%Retained earnings to average equity (YTD only)
-1.09%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
116,904Assets per employee
1.78%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
7.11%Loss allowance to noncurrent loans
1018.18%Noncurrent assets plus other real estate owned to assets
0.41%Noncurrent loans to loans
0.70%Net loans and leases to deposits
61.04%Net loans and leases to core deposits
65.11%Equity capital to assets
10.38%Core capital (leverage) ratio
9.62%Tier 1 risk-based capital ratio
18.93%Total risk-based capital ratio
Memoranda
$20Average assets
$11,376Average earning assets
$1,182Average equity
$9,778Average loans
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