Roseville State Bank in Roseville, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of September 15, 1995

Roseville State Bank in Roseville, Illinois (IL)
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Roseville State Bank - Overview

General
FDIC Certificate #: 16189
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Citizens National Bank (#5757)
Federal Reserve ID: 48646
Date Established: September 19, 1944
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 1 (Interstate: No)
FDIC's unique #: 10393
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: September 19, 1944
Last Structure Change Effective Date: September 15, 1995
Last Structure Change Process Date: September 27, 1995
Last Data Update: September 27, 1995
Data Source Date: April 05, 2012
Location
Address: Main Street And Penn Avenue, Roseville, IL 61473
County: Warren
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Princeton
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Central
Core Based Statistical Area (CBSA): Galesburg, IL (#23660)
CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $17.7 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

Dollar figures in thousands
0Total employees (full-time equivalent)
$9Total assets
$17,676Cash and due from depository institutions
$1,585Interest-bearing balances
$0Securities
$7,055Federal funds sold & reverse repurchase agreements
$200Net loans & leases
$7,841Loan loss allowance
$104Trading account assets
$0Bank premises and fixed assets
$462Other real estate owned
$0Goodwill and other intangibles
$325Life insurance assets
$208All other assets
$0Total liabilities and capital
$17,676Total liabilities
$15,835Total deposits
$15,519Interest-bearing deposits
$13,498Deposits held in domestic offices
15519.00%% insured (estimated)
$90Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$316Total equity capital
$316Total bank equity capital
$1,841Perpetual preferred stock
$0Common stock
$280Surplus
$1,563Undivided profits
Memoranda
$-2Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$11Income earned, not collected on loans
$202Earning assets
$15,096Long-term assets (5+ years)
$963Average Assets, year-to-date
$17,616Average Assets, quarterly
$17,441Volatile liabilities
$1,457Insider loans
$235FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$471Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$1,649Total risk weighted assets
$8,914Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1994)

Dollar figures in thousands
$0Total interest income
$195Total interest expense
$83Net interest income
$112Provision for loan and lease losses
$3Total noninterest income
$14Fiduciary activities
$0Service charges on deposit accounts
$10Trading account gains & fees
$0Additional noninterest income
$4Total noninterest expense
$97Salaries and employee benefits
$38Premises and equipment expense
$16Additional noninterest expense
$43Pre-tax net operating income
$26Securities gains (losses)
$0Applicable income taxes
$10Income before extraordinary items
$16Extraordinary gains - net
$0Net income attributable to bank
$16Net charge-offs
-$1Cash dividends
$0Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1994)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
1.21%Cost of funding earning assets
0.52%Net interest margin
0.69%Noninterest income to earning assets
0.09%Noninterest expense to earning assets
0.60%Net operating income to assets
0.09%Return on assets (ROA)
0.09%Pretax return on assets
0.15%Return on equity (ROE)
0.93%Retained earnings to average equity (YTD only)
0.93%Net charge-offs to loans
-0.01%Credit loss provision to net charge-offs
-300.00%Efficiency ratio
73,810Assets per employee
1.96%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.31%Loss allowance to noncurrent loans
945.45%Noncurrent assets plus other real estate owned to assets
0.06%Noncurrent loans to loans
0.14%Net loans and leases to deposits
50.53%Net loans and leases to core deposits
55.76%Equity capital to assets
10.42%Core capital (leverage) ratio
9.43%Tier 1 risk-based capital ratio
18.50%Total risk-based capital ratio
Memoranda
$20Average assets
$17,616Average earning assets
$1,720Average equity
$16,116Average loans

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