FDIC Certificate #: 3704 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:The Merchants National Bank of Terre Haute (#12849) Federal Reserve ID: 164649 Date Established: January 01, 1879 Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 1 (Interstate: No) FDIC's unique #: 2373 Numeric code: 3 Regulator: OCC Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes State Chartered: No Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: May 13, 1999 Last Structure Change Process Date: June 04, 1999 Last Data Update: June 04, 1999 Data Source Date: April 05, 2012
Location
Address: 415 Archer Avenue, Marshall, IL 62441 County: Clark Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Chicago FDIC Field Office: Champaign Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: Central
Financial Summary
Total assets: $39.0 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 1998)
Dollar figures in thousands
17Total employees (full-time equivalent)
$43,236Total assets
$2,114Cash and due from depository institutions
$0Interest-bearing balances
$18,368Securities
$3,800Federal funds sold & reverse repurchase agreements
$17,988Net loans & leases
$1,001Loan loss allowance
$0Trading account assets
$183Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$783All other assets
$43,236Total liabilities and capital
$36,141Total liabilities
$35,781Total deposits
$30,880Interest-bearing deposits
$35,781Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$360All other liabilities
$7,095Total equity capital
$7,095Total bank equity capital
$7,095Perpetual preferred stock
$0Common stock
$800Surplus
$800Undivided profits
Memoranda
$5,495Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$285Earning assets
$0Long-term assets (5+ years)
$510Average Assets, year-to-date
$40,156Average Assets, quarterly
$15,392Volatile liabilities
$41,564Insider loans
$42,825FHLB advances
$2,535Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$3,703Total unused commitments
$0Restructured Loans and leases
$22,848Derivatives
Income and Expense (December 31, 1998)
Dollar figures in thousands
$2,948Total interest income
$1,179Total interest expense
$1,769Net interest income
$541Provision for loan and lease losses
$59Total noninterest income
$0Fiduciary activities
$37Service charges on deposit accounts
$0Trading account gains & fees
$22Additional noninterest income
$974Total noninterest expense
$482Salaries and employee benefits
$91Premises and equipment expense
$401Additional noninterest expense
$313Pre-tax net operating income
$8Securities gains (losses)
-$20Applicable income taxes
$341Income before extraordinary items
$0Extraordinary gains - net
$341Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$18Sale, conversion, retirement of capital stock, net
$540Net operating income
Performance and Condition Ratios (December 31, 1998)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.60%Yield on earning assets
3.04%Cost of funding earning assets
4.56%Net interest margin
0.15%Noninterest income to earning assets
2.51%Noninterest expense to earning assets
0.80%Net operating income to assets
0.82%Return on assets (ROA)
0.77%Pretax return on assets
4.68%Return on equity (ROE)
-2.73%Retained earnings to average equity (YTD only)
0.09%Net charge-offs to loans
4918.18%Credit loss provision to net charge-offs
47.44%Efficiency ratio
53,282Assets per employee
2.54%Cash dividends to net income (YTD only)
Condition Ratios (%)
158.36%Loss allowance to loans
5.27%Loss allowance to noncurrent loans
351.23%Noncurrent assets plus other real estate owned to assets
0.66%Noncurrent loans to loans
1.50%Net loans and leases to deposits
50.27%Net loans and leases to core deposits
54.11%Equity capital to assets
16.41%Core capital (leverage) ratio
16.05%Tier 1 risk-based capital ratio
29.98%Total risk-based capital ratio
Memoranda
$31Average assets
$41,564Average earning assets
$7,293Average equity
$38,776Average loans
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