Metro Savings Bank, FSB in Wood River, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of March 08, 1996

  • Metro Savings Bank, FSB in Wood River, Illinois (IL)
  • Show street view No street view available for this location

Metro Savings Bank, FSB - Overview

  • General
  • FDIC Certificate #: 30083
    Status: Inactive
    Closing history: Absorption - Without Assistance
    Acquiring institution: Mercantile Bank of Illinois (#11322)
    Federal Reserve ID: 847670
    Date Established: January 01, 1915
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 4714
    FDIC's unique #: 42917
    Numeric code: 33
    Regulator: OTS
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    FDIC Insured: Yes
    SAIF Insured: Yes
    Insured Savings Institution: Yes
    State Chartered: No
    Date of Deposit Insurance: May 27, 1953
    Last Structure Change Effective Date: March 08, 1996
    Last Structure Change Process Date: April 18, 1996
    Last Data Update: April 18, 1996
    Data Source Date: April 05, 2012
  • Location
  • Address: 1301 Edwardsville Rd, Wood River, IL 62095
    County: Madison
    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: $81.9 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)
  • $22Total assets
  • $81,872Cash and due from depository institutions
  • $2,461Interest-bearing balances
  • $2,215Securities
  • $24,833Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $52,588Loan loss allowance
  • $505Trading account assets
  • $0Bank premises and fixed assets
  • $472Other real estate owned
  • $88Goodwill and other intangibles
  • $1,430Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $81,872Total liabilities
  • $75,942Total deposits
  • $75,822Interest-bearing deposits
  • $73,551Deposits held in domestic offices
  • 75822.00%% insured (estimated)
  • $98Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $120Total equity capital
  • $120Total bank equity capital
  • $5,930Perpetual preferred stock
  • $0Common stock
  • $192Surplus
  • $1,416Undivided profits
  • Memoranda
  • $4,322Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $313Income earned, not collected on loans
  • $306Earning assets
  • $79,636Long-term assets (5+ years)
  • $0Average Assets, year-to-date
  • $81,909Average Assets, quarterly
  • $82,624Volatile liabilities
  • $4,741Insider loans
  • $577FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $2,529Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $5,902Total risk weighted assets
  • $45,305Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1995)

  • Dollar figures in thousands
  • $0Total interest income
  • $6,273Total interest expense
  • $3,565Net interest income
  • $2,708Provision for loan and lease losses
  • $68Total noninterest income
  • $346Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $0Additional noninterest income
  • $346Total noninterest expense
  • $2,003Salaries and employee benefits
  • $988Premises and equipment expense
  • $181Additional noninterest expense
  • $834Pre-tax net operating income
  • $983Securities gains (losses)
  • -$508Applicable income taxes
  • $413Income before extraordinary items
  • $62Extraordinary gains - net
  • $0Net income attributable to bank
  • $62Net charge-offs
  • $76Cash dividends
  • $189Sale, 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
  • 7.87%Cost of funding earning assets
  • 4.47%Net interest margin
  • 3.40%Noninterest income to earning assets
  • 0.43%Noninterest expense to earning assets
  • 2.51%Net operating income to assets
  • 0.47%Return on assets (ROA)
  • 0.08%Pretax return on assets
  • 0.58%Return on equity (ROE)
  • 1.09%Retained earnings to average equity (YTD only)
  • -2.22%Net charge-offs to loans
  • 0.14%Credit loss provision to net charge-offs
  • 89.47%Efficiency ratio
  • 65,586Assets per employee
  • 3.72%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 304.84%Loss allowance to loans
  • 0.95%Loss allowance to noncurrent loans
  • 161.34%Noncurrent assets plus other real estate owned to assets
  • 0.49%Noncurrent loans to loans
  • 0.59%Net loans and leases to deposits
  • 69.36%Net loans and leases to core deposits
  • 73.98%Equity capital to assets
  • 7.24%Core capital (leverage) ratio
  • 7.22%Tier 1 risk-based capital ratio
  • 13.03%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $81,909Average earning assets
  • $5,709Average equity
  • $79,693Average loans

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