Mercantile Bank of Carlyle in Carlyle, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of May 17, 1996

Mercantile Bank of Carlyle in Carlyle, Illinois (IL)
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Mercantile Bank of Carlyle - Overview

General
FDIC Certificate #: 9633
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Mercantile Bank of Illinois (#10025)
Federal Reserve ID: 208646
Date Established: October 01, 1904
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Interstate: No)
FDIC's unique #: 6158
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 17, 1996
Last Structure Change Process Date: June 13, 1996
Last Data Update: June 13, 1996
Data Source Date: April 05, 2012
Location
Address: 510 8th Street, Carlyle, IL 62231
County: Clinton
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
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: $37.9 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

Dollar figures in thousands
0Total employees (full-time equivalent)
$14Total assets
$38,715Cash and due from depository institutions
$829Interest-bearing balances
$0Securities
$16,696Federal funds sold & reverse repurchase agreements
$525Net loans & leases
$19,825Loan loss allowance
$594Trading account assets
$0Bank premises and fixed assets
$257Other real estate owned
$0Goodwill and other intangibles
$583Life insurance assets
$0All other assets
$0Total liabilities and capital
$38,715Total liabilities
$34,731Total deposits
$34,416Interest-bearing deposits
$32,320Deposits held in domestic offices
34416.00%% insured (estimated)
$94Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$315Total equity capital
$315Total bank equity capital
$3,984Perpetual preferred stock
$0Common stock
$500Surplus
$2,000Undivided profits
Memoranda
$1,484Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$65Income earned, not collected on loans
$153Earning assets
$37,046Long-term assets (5+ years)
$1,602Average Assets, year-to-date
$38,495Average Assets, quarterly
$38,893Volatile liabilities
$1,837Insider loans
$153FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$1,019Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$3,879Total risk weighted assets
$21,067Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1995)

Dollar figures in thousands
$0Total interest income
$2,799Total interest expense
$1,293Net interest income
$1,506Provision for loan and lease losses
$35Total noninterest income
$193Fiduciary activities
$0Service charges on deposit accounts
$86Trading account gains & fees
$0Additional noninterest income
$107Total noninterest expense
$1,089Salaries and employee benefits
$511Premises and equipment expense
$111Additional noninterest expense
$467Pre-tax net operating income
$575Securities gains (losses)
$0Applicable income taxes
$133Income before extraordinary items
$442Extraordinary gains - net
$0Net income attributable to bank
$442Net charge-offs
$87Cash dividends
$400Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1995)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
7.55%Cost of funding earning assets
3.49%Net interest margin
4.06%Noninterest income to earning assets
0.52%Noninterest expense to earning assets
2.94%Net operating income to assets
1.15%Return on assets (ROA)
1.15%Pretax return on assets
1.49%Return on equity (ROE)
11.42%Retained earnings to average equity (YTD only)
1.08%Net charge-offs to loans
0.45%Credit loss provision to net charge-offs
40.23%Efficiency ratio
64,097Assets per employee
2.77%Cash dividends to net income (YTD only)
Condition Ratios (%)
90.50%Loss allowance to loans
2.91%Loss allowance to noncurrent loans
913.85%Noncurrent assets plus other real estate owned to assets
0.17%Noncurrent loans to loans
0.32%Net loans and leases to deposits
57.60%Net loans and leases to core deposits
60.85%Equity capital to assets
10.29%Core capital (leverage) ratio
9.78%Tier 1 risk-based capital ratio
18.41%Total risk-based capital ratio
Memoranda
$20Average assets
$38,495Average earning assets
$3,872Average equity
$37,081Average loans

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