FDIC Certificate #: 33307 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:The Bank of Edwardsville (#1039) Federal Reserve ID: 1838116 Date Established: Febuary 01, 1991 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 2 (Interstate: No) OTS Docket #: 12673 FDIC's unique #: 46855 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: Febuary 01, 1991 Last Structure Change Effective Date: October 09, 1998 Last Structure Change Process Date: October 22, 1998 Last Data Update: October 22, 1998 Data Source Date: April 05, 2012
Location
Address: 5111 Highway 111, Pontoon Beach, IL 62040 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: $60.1 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Assets and Liabilities (December 31, 1997)
Dollar figures in thousands
19Total employees (full-time equivalent)
$49,517Total assets
$2,139Cash and due from depository institutions
$8Interest-bearing balances
$10,451Securities
$886Federal funds sold & reverse repurchase agreements
$34,673Net loans & leases
$411Loan loss allowance
$0Trading account assets
$905Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$463All other assets
$49,517Total liabilities and capital
$45,987Total liabilities
$45,753Total deposits
$41,028Interest-bearing deposits
$45,753Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$234All other liabilities
$3,530Total equity capital
$3,530Total bank equity capital
$3,530Perpetual preferred stock
$0Common stock
$952Surplus
$1,120Undivided profits
Memoranda
$1,458Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$69Earning assets
$0Long-term assets (5+ years)
$206Average Assets, year-to-date
$46,018Average Assets, quarterly
$3,618Volatile liabilities
$44,449Insider loans
$48,990FHLB advances
$9,174Loans and leases held for sale
$124Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$442Total risk weighted assets
$1,579Total unused commitments
$0Restructured Loans and leases
$30,609Derivatives
Income and Expense (December 31, 1997)
Dollar figures in thousands
$3,585Total interest income
$1,822Total interest expense
$1,763Net interest income
$126Provision for loan and lease losses
$433Total noninterest income
$0Fiduciary activities
$204Service charges on deposit accounts
$0Trading account gains & fees
$229Additional noninterest income
$1,283Total noninterest expense
$590Salaries and employee benefits
$224Premises and equipment expense
$469Additional noninterest expense
$787Pre-tax net operating income
$1Securities gains (losses)
$231Applicable income taxes
$557Income before extraordinary items
$0Extraordinary gains - net
$557Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$6Sale, conversion, retirement of capital stock, net
$74Net operating income
Performance and Condition Ratios (December 31, 1997)
Dollar figures in thousands
Performance Ratios (%, annualized)
8.70%Yield on earning assets
4.42%Cost of funding earning assets
4.28%Net interest margin
1.05%Noninterest income to earning assets
3.11%Noninterest expense to earning assets
1.25%Net operating income to assets
1.25%Return on assets (ROA)
1.77%Pretax return on assets
17.03%Return on equity (ROE)
14.77%Retained earnings to average equity (YTD only)
0.02%Net charge-offs to loans
2100.00%Credit loss provision to net charge-offs
152.17%Efficiency ratio
58,424Assets per employee
2.61%Cash dividends to net income (YTD only)
Condition Ratios (%)
13.29%Loss allowance to loans
1.17%Loss allowance to noncurrent loans
595.65%Noncurrent assets plus other real estate owned to assets
0.14%Noncurrent loans to loans
0.20%Net loans and leases to deposits
75.78%Net loans and leases to core deposits
94.79%Equity capital to assets
7.13%Core capital (leverage) ratio
7.22%Tier 1 risk-based capital ratio
11.53%Total risk-based capital ratio
Memoranda
$13Average assets
$44,449Average earning assets
$3,270Average equity
$41,193Average loans
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