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

This bank is inactive as of January 17, 1997

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

General
FDIC Certificate #: 11673
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: National Bank (#16276)
Federal Reserve ID: 486640
Date Established: December 26, 1913
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 1 (Interstate: No)
FDIC's unique #: 7460
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: January 17, 1997
Last Structure Change Process Date: January 29, 1997
Last Data Update: January 29, 1997
Data Source Date: April 05, 2012
Location
Address: Oak Street And Mulberry Grove Road, Keyesport, IL 62253
County: Bond
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
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: $8.5 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

Dollar figures in thousands
0Total employees (full-time equivalent)
$4Total assets
$8,469Cash and due from depository institutions
$210Interest-bearing balances
$0Securities
$2,164Federal funds sold & reverse repurchase agreements
$945Net loans & leases
$4,813Loan loss allowance
$183Trading account assets
$0Bank premises and fixed assets
$141Other real estate owned
$0Goodwill and other intangibles
$196Life insurance assets
$0All other assets
$0Total liabilities and capital
$8,469Total liabilities
$8,134Total deposits
$8,067Interest-bearing deposits
$7,216Deposits held in domestic offices
8067.00%% insured (estimated)
$100Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$67Total equity capital
$67Total bank equity capital
$335Perpetual preferred stock
$0Common stock
$60Surplus
$581Undivided profits
Memoranda
$-306Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$126Income earned, not collected on loans
$50Earning assets
$7,922Long-term assets (5+ years)
$474Average Assets, year-to-date
$8,895Average Assets, quarterly
$8,590Volatile liabilities
$503Insider loans
$50FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$123Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$335Total risk weighted assets
$4,720Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1996)

Dollar figures in thousands
$0Total interest income
$656Total interest expense
$375Net interest income
$281Provision for loan and lease losses
$163Total noninterest income
$36Fiduciary activities
$0Service charges on deposit accounts
$25Trading account gains & fees
$0Additional noninterest income
$11Total noninterest expense
$353Salaries and employee benefits
$97Premises and equipment expense
$42Additional noninterest expense
$214Pre-tax net operating income
-$199Securities gains (losses)
$0Applicable income taxes
$0Income before extraordinary items
-$199Extraordinary gains - net
$0Net income attributable to bank
-$199Net charge-offs
$83Cash dividends
$0Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1996)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
8.06%Cost of funding earning assets
4.61%Net interest margin
3.45%Noninterest income to earning assets
0.44%Noninterest expense to earning assets
4.34%Net operating income to assets
-2.24%Return on assets (ROA)
-2.24%Pretax return on assets
-2.24%Return on equity (ROE)
-41.37%Retained earnings to average equity (YTD only)
-41.37%Net charge-offs to loans
1.53%Credit loss provision to net charge-offs
196.39%Efficiency ratio
111,356Assets per employee
2.12%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
3.66%Loss allowance to noncurrent loans
145.24%Noncurrent assets plus other real estate owned to assets
1.49%Noncurrent loans to loans
2.52%Net loans and leases to deposits
59.66%Net loans and leases to core deposits
63.63%Equity capital to assets
3.96%Core capital (leverage) ratio
3.86%Tier 1 risk-based capital ratio
7.10%Total risk-based capital ratio
Memoranda
$8Average assets
$8,895Average earning assets
$481Average equity
$8,143Average loans

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