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

This bank is inactive as of October 15, 1993

  • State Bank of Girard in Girard, Illinois (IL)
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State Bank of Girard - Overview

  • General
  • FDIC Certificate #: 10433
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: The First National Bank of Raymond (#3830)
    Federal Reserve ID: 716842
    Date Established: December 10, 1873
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Interstate: No)
    FDIC's unique #: 6667
    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: January 01, 1934
    Last Structure Change Effective Date: October 15, 1993
    Last Structure Change Process Date: October 25, 1993
    Last Data Update: October 25, 1993
    Data Source Date: April 05, 2012
  • Location
  • Address: 202 West Center Street, Girard, IL 62640
    County: Macoupin
    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
    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: $19.4 mil

Assets and Liabilities (December 31, 1992)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $12Total assets
  • $19,870Cash and due from depository institutions
  • $598Interest-bearing balances
  • $0Securities
  • $6,641Federal funds sold & reverse repurchase agreements
  • $1,100Net loans & leases
  • $10,814Loan loss allowance
  • $121Trading account assets
  • $0Bank premises and fixed assets
  • $107Other real estate owned
  • $18Goodwill and other intangibles
  • $592Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $19,870Total liabilities
  • $18,342Total deposits
  • $18,246Interest-bearing deposits
  • $16,592Deposits held in domestic offices
  • 18246.00%% insured (estimated)
  • $92Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $96Total equity capital
  • $96Total bank equity capital
  • $1,528Perpetual preferred stock
  • $0Common stock
  • $102Surplus
  • $1,098Undivided profits
  • Memoranda
  • $328Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $47Income earned, not collected on loans
  • $171Earning assets
  • $18,555Long-term assets (5+ years)
  • $4,215Average Assets, year-to-date
  • $19,249Average Assets, quarterly
  • $19,769Volatile liabilities
  • $1,329Insider loans
  • $91FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $211Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $1,528Total risk weighted assets
  • $11,265Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1992)

  • Dollar figures in thousands
  • $0Total interest income
  • $1,516Total interest expense
  • $788Net interest income
  • $728Provision for loan and lease losses
  • $24Total noninterest income
  • $99Fiduciary activities
  • $0Service charges on deposit accounts
  • $55Trading account gains & fees
  • $0Additional noninterest income
  • $44Total noninterest expense
  • $531Salaries and employee benefits
  • $258Premises and equipment expense
  • $63Additional noninterest expense
  • $210Pre-tax net operating income
  • $272Securities gains (losses)
  • $2Applicable income taxes
  • $72Income before extraordinary items
  • $202Extraordinary gains - net
  • $0Net income attributable to bank
  • $202Net charge-offs
  • $15Cash dividends
  • $108Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1992)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.59%Cost of funding earning assets
  • 4.47%Net interest margin
  • 4.13%Noninterest income to earning assets
  • 0.56%Noninterest expense to earning assets
  • 3.01%Net operating income to assets
  • 1.04%Return on assets (ROA)
  • 1.05%Pretax return on assets
  • 1.42%Return on equity (ROE)
  • 13.55%Retained earnings to average equity (YTD only)
  • 6.31%Net charge-offs to loans
  • 0.14%Credit loss provision to net charge-offs
  • 160.00%Efficiency ratio
  • 64,208Assets per employee
  • 1.66%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 53.47%Loss allowance to loans
  • 1.11%Loss allowance to noncurrent loans
  • 257.45%Noncurrent assets plus other real estate owned to assets
  • 0.33%Noncurrent loans to loans
  • 0.43%Net loans and leases to deposits
  • 59.27%Net loans and leases to core deposits
  • 63.92%Equity capital to assets
  • 7.69%Core capital (leverage) ratio
  • 7.64%Tier 1 risk-based capital ratio
  • 13.56%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $19,249Average earning assets
  • $1,491Average equity
  • $17,647Average loans

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