FDIC Certificate #: 21152 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Petefish, Skiles & Co. (#10829) Federal Reserve ID: 394932 Date Established: July 13, 1973 WWW:http://www.psbbanking.com Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 2 (Interstate: No) FDIC's unique #: 14623 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes State Chartered: Yes Date of Deposit Insurance: July 13, 1973 Last Structure Change Effective Date: March 30, 2007 Last Structure Change Process Date: April 10, 2007 Last Data Update: April 10, 2007 Data Source Date: April 05, 2012
Location
Address: 3 North Main Street, Chandlerville, IL 62627 County: Cass Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Chicago FDIC Field Office: Springfield Il Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: Central
Financial Summary
Total assets: $40.7 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2006)
Dollar figures in thousands
17Total employees (full-time equivalent)
$40,658Total assets
$1,557Cash and due from depository institutions
$0Interest-bearing balances
$8,146Securities
$265Federal funds sold & reverse repurchase agreements
$29,166Net loans & leases
$298Loan loss allowance
$0Trading account assets
$738Bank premises and fixed assets
$64Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$722All other assets
$40,658Total liabilities and capital
$37,713Total liabilities
$37,311Total deposits
$34,618Interest-bearing deposits
$37,311Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$402All other liabilities
$2,945Total equity capital
$2,945Total bank equity capital
$2,945Perpetual preferred stock
$0Common stock
$300Surplus
$1,250Undivided profits
Memoranda
$1,395Noncurrent loans and leases
$1,420Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$547Earning assets
$0Long-term assets (5+ years)
$680Average Assets, year-to-date
$37,577Average Assets, quarterly
$9,690Volatile liabilities
$41,757Insider loans
$41,267FHLB advances
$6,618Loans and leases held for sale
$17Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$1,420Total unused commitments
$0Restructured Loans and leases
$298Derivatives
Income and Expense (December 31, 2006)
Dollar figures in thousands
$2,700Total interest income
$1,053Total interest expense
$1,647Net interest income
$143Provision for loan and lease losses
$419Total noninterest income
$0Fiduciary activities
$304Service charges on deposit accounts
$0Trading account gains & fees
$115Additional noninterest income
$2,055Total noninterest expense
$873Salaries and employee benefits
$175Premises and equipment expense
$1,007Additional noninterest expense
-$132Pre-tax net operating income
$0Securities gains (losses)
$54Applicable income taxes
-$186Income before extraordinary items
$0Extraordinary gains - net
-$186Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$95Sale, conversion, retirement of capital stock, net
$457Net operating income
Performance and Condition Ratios (December 31, 2006)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.97%Yield on earning assets
2.72%Cost of funding earning assets
4.25%Net interest margin
1.08%Noninterest income to earning assets
5.30%Noninterest expense to earning assets
-0.45%Net operating income to assets
-0.45%Return on assets (ROA)
-0.32%Pretax return on assets
-5.29%Return on equity (ROE)
-18.29%Retained earnings to average equity (YTD only)
0.32%Net charge-offs to loans
150.53%Credit loss provision to net charge-offs
0.12%Efficiency ratio
99,468Assets per employee
2.39%Cash dividends to net income (YTD only)
Condition Ratios (%)
-245.70%Loss allowance to loans
1.01%Loss allowance to noncurrent loans
54.48%Noncurrent assets plus other real estate owned to assets
1.50%Noncurrent loans to loans
1.86%Net loans and leases to deposits
78.17%Net loans and leases to core deposits
95.02%Equity capital to assets
7.24%Core capital (leverage) ratio
7.04%Tier 1 risk-based capital ratio
10.86%Total risk-based capital ratio
Memoranda
$12Average assets
$41,757Average earning assets
$3,516Average equity
$38,743Average loans
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