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

This bank is inactive as of June 03, 1994

State Bank of Breese in Breese, Illinois (IL)
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State Bank of Breese - Overview

General
FDIC Certificate #: 1036
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: First Bank (#3825)
Federal Reserve ID: 812445
Date Established: January 01, 1911
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 1 (Interstate: No)
FDIC's unique #: 689
Numeric code: 13
Regulator: FED
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: June 03, 1994
Last Structure Change Process Date: June 17, 1994
Last Data Update: June 17, 1994
Data Source Date: April 05, 2012
Location
Address: 101 North Page Street, Breese, IL 62230
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: $45.6 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

Dollar figures in thousands
0Total employees (full-time equivalent)
$16Total assets
$46,162Cash and due from depository institutions
$1,971Interest-bearing balances
$700Securities
$20,550Federal funds sold & reverse repurchase agreements
$2,175Net loans & leases
$20,595Loan loss allowance
$881Trading account assets
$0Bank premises and fixed assets
$474Other real estate owned
$44Goodwill and other intangibles
$353Life insurance assets
$0All other assets
$0Total liabilities and capital
$46,162Total liabilities
$41,700Total deposits
$41,204Interest-bearing deposits
$37,449Deposits held in domestic offices
41204.00%% insured (estimated)
$96Federal funds purchased & repurchase agreements
$265Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$231Total equity capital
$231Total bank equity capital
$4,462Perpetual preferred stock
$0Common stock
$300Surplus
$1,312Undivided profits
Memoranda
$2,850Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$319Income earned, not collected on loans
$151Earning assets
$44,020Long-term assets (5+ years)
$12,325Average Assets, year-to-date
$46,154Average Assets, quarterly
$46,087Volatile liabilities
$868Insider loans
$380FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$1,413Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$4,462Total risk weighted assets
$22,923Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1993)

Dollar figures in thousands
$0Total interest income
$3,096Total interest expense
$1,543Net interest income
$1,553Provision for loan and lease losses
$10Total noninterest income
$187Fiduciary activities
$0Service charges on deposit accounts
$23Trading account gains & fees
$0Additional noninterest income
$164Total noninterest expense
$1,135Salaries and employee benefits
$512Premises and equipment expense
$122Additional noninterest expense
$501Pre-tax net operating income
$595Securities gains (losses)
$7Applicable income taxes
$155Income before extraordinary items
$447Extraordinary gains - net
$0Net income attributable to bank
$447Net charge-offs
$22Cash dividends
$75Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1993)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
7.03%Cost of funding earning assets
3.50%Net interest margin
3.53%Noninterest income to earning assets
0.42%Noninterest expense to earning assets
2.58%Net operating income to assets
0.96%Return on assets (ROA)
0.97%Pretax return on assets
1.30%Return on equity (ROE)
10.44%Retained earnings to average equity (YTD only)
8.69%Net charge-offs to loans
0.11%Credit loss provision to net charge-offs
45.45%Efficiency ratio
65,230Assets per employee
2.89%Cash dividends to net income (YTD only)
Condition Ratios (%)
16.78%Loss allowance to loans
4.10%Loss allowance to noncurrent loans
276.18%Noncurrent assets plus other real estate owned to assets
0.79%Noncurrent loans to loans
1.49%Net loans and leases to deposits
49.98%Net loans and leases to core deposits
50.73%Equity capital to assets
9.67%Core capital (leverage) ratio
9.81%Tier 1 risk-based capital ratio
19.47%Total risk-based capital ratio
Memoranda
$21Average assets
$46,154Average earning assets
$4,282Average equity
$44,045Average loans

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