First of America Bank-Decatur, National Association in city_name, state_name

First of America Bank-Decatur, National Association in Decatur, Illinois (IL)
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First of America Bank-Decatur, National Association - Overview

General
FDIC Certificate #: 27443
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: First of America Bank-Illinois, National Association (#16262)
Federal Reserve ID: 701932
Date Established: January 29, 1988
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 8 (Interstate: No)
FDIC's unique #: 39937
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 29, 1988
Last Structure Change Effective Date: December 31, 1994
Last Structure Change Process Date: January 31, 1995
Last Data Update: January 31, 1995
Data Source Date: April 05, 2012
Location
Address: 236 North Water Street, Decatur, IL 62525
County: Macon
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): Decatur, IL (#2040)
Core Based Statistical Area (CBSA): Decatur, IL (#19500)
CBSA Metro Statistical Area: Decatur, IL (#19500)
Financial Summary
Total assets: $430.9 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

Dollar figures in thousands
0Total employees (full-time equivalent)
$162Total assets
$389,390Cash and due from depository institutions
$18,193Interest-bearing balances
$808Securities
$80,977Federal funds sold & reverse repurchase agreements
$3,036Net loans & leases
$274,882Loan loss allowance
$3,313Trading account assets
$0Bank premises and fixed assets
$5,557Other real estate owned
$287Goodwill and other intangibles
$5,211Life insurance assets
$1,247All other assets
$0Total liabilities and capital
$389,390Total liabilities
$361,792Total deposits
$354,409Interest-bearing deposits
$300,482Deposits held in domestic offices
354409.00%% insured (estimated)
$77Federal funds purchased & repurchase agreements
$4,453Trading liabilities
$0Other borrowed funds
$250Subordinated debt
$0All other liabilities
$2,680Total equity capital
$2,680Total bank equity capital
$27,598Perpetual preferred stock
$0Common stock
$7,650Surplus
$7,657Undivided profits
Memoranda
$12,291Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$866Income earned, not collected on loans
$1,476Earning assets
$359,703Long-term assets (5+ years)
$63,153Average Assets, year-to-date
$315,734Average Assets, quarterly
$388,183Volatile liabilities
$44,375Insider loans
$2,034FHLB advances
$0Loans and leases held for sale
$3,973Unused loan commitments
$81,367Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$26,091Total risk weighted assets
$264,855Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1993)

Dollar figures in thousands
$0Total interest income
$23,528Total interest expense
$9,399Net interest income
$14,129Provision for loan and lease losses
$663Total noninterest income
$3,324Fiduciary activities
$0Service charges on deposit accounts
$1,247Trading account gains & fees
$0Additional noninterest income
$2,077Total noninterest expense
$11,093Salaries and employee benefits
$3,798Premises and equipment expense
$1,161Additional noninterest expense
$6,134Pre-tax net operating income
$5,697Securities gains (losses)
$283Applicable income taxes
$1,908Income before extraordinary items
$4,072Extraordinary gains - net
$0Net income attributable to bank
$4,072Net charge-offs
$478Cash dividends
$2,200Sale, conversion, retirement of capital stock, net
$3,700Net operating income

Performance and Condition Ratios (December 31, 1993)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
8.24%Cost of funding earning assets
3.29%Net interest margin
4.95%Noninterest income to earning assets
1.16%Noninterest expense to earning assets
3.88%Net operating income to assets
1.23%Return on assets (ROA)
1.29%Pretax return on assets
1.89%Return on equity (ROE)
17.03%Retained earnings to average equity (YTD only)
7.83%Net charge-offs to loans
0.21%Credit loss provision to net charge-offs
138.70%Efficiency ratio
62,774Assets per employee
2.40%Cash dividends to net income (YTD only)
Condition Ratios (%)
54.03%Loss allowance to loans
1.19%Loss allowance to noncurrent loans
382.56%Noncurrent assets plus other real estate owned to assets
0.30%Noncurrent loans to loans
0.31%Net loans and leases to deposits
77.56%Net loans and leases to core deposits
87.34%Equity capital to assets
7.09%Core capital (leverage) ratio
6.64%Tier 1 risk-based capital ratio
9.85%Total risk-based capital ratio
Memoranda
$11Average assets
$315,734Average earning assets
$23,916Average equity
$285,570Average loans

First of America Bank-Decatur, National Association in Decatur, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

First of America Bank-Decatur, National Association - Overview

Assets and Liabilities (December 31, 1993)

Income and Expense (December 31, 1993)

Performance and Condition Ratios (December 31, 1993)

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

First of America Bank-Decatur, National Association in Decatur, Illinois (IL)Overview, Financial Summary, Detailed Financial Reports, Branches

First of America Bank-Decatur, National Association - Overview

Assets and Liabilities (December 31, 1993)

Income and Expense (December 31, 1993)

Performance and Condition Ratios (December 31, 1993)

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

First of America Bank-Decatur, National Association in Decatur, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches