The First National Bank of Effingham in Effingham, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of May 06, 1995

The First National Bank of Effingham in Effingham, Illinois (IL)
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The First National Bank of Effingham - Overview

General
FDIC Certificate #: 3790
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Citizens Bank of Illinois, National Association (#1043)
Federal Reserve ID: 220648
Date Established: Febuary 15, 1890
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 #: 2453
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 06, 1995
Last Structure Change Process Date: May 22, 1995
Last Data Update: May 22, 1995
Data Source Date: April 05, 2012
Location
Address: 200 North Third, Effingham, IL 62401
County: Effingham
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
Core Based Statistical Area (CBSA): Effingham, IL (#20820)
CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $133.9 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)
$49Total assets
$134,508Cash and due from depository institutions
$6,948Interest-bearing balances
$28Securities
$41,389Federal funds sold & reverse repurchase agreements
$0Net loans & leases
$83,013Loan loss allowance
$1,027Trading account assets
$0Bank premises and fixed assets
$1,262Other real estate owned
$217Goodwill and other intangibles
$1,679Life insurance assets
$0All other assets
$0Total liabilities and capital
$134,508Total liabilities
$125,380Total deposits
$106,615Interest-bearing deposits
$91,550Deposits held in domestic offices
106615.00%% insured (estimated)
$91Federal funds purchased & repurchase agreements
$17,125Trading liabilities
$0Other borrowed funds
$884Subordinated debt
$0All other liabilities
$756Total equity capital
$756Total bank equity capital
$9,128Perpetual preferred stock
$0Common stock
$618Surplus
$2,382Undivided profits
Memoranda
$6,128Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$80Income earned, not collected on loans
$777Earning assets
$124,430Long-term assets (5+ years)
$40,218Average Assets, year-to-date
$132,385Average Assets, quarterly
$132,178Volatile liabilities
$23,426Insider loans
$1,973FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$9,810Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$9,287Total risk weighted assets
$77,021Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1994)

Dollar figures in thousands
$0Total interest income
$8,298Total interest expense
$3,915Net interest income
$4,383Provision for loan and lease losses
$154Total noninterest income
$712Fiduciary activities
$120Service charges on deposit accounts
$202Trading account gains & fees
$0Additional noninterest income
$390Total noninterest expense
$3,133Salaries and employee benefits
$1,445Premises and equipment expense
$342Additional noninterest expense
$1,346Pre-tax net operating income
$1,808Securities gains (losses)
$52Applicable income taxes
$556Income before extraordinary items
$1,304Extraordinary gains - net
$0Net income attributable to bank
$1,304Net charge-offs
-$78Cash dividends
$658Sale, 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
6.65%Cost of funding earning assets
3.14%Net interest margin
3.51%Noninterest income to earning assets
0.57%Noninterest expense to earning assets
2.51%Net operating income to assets
0.96%Return on assets (ROA)
0.99%Pretax return on assets
1.40%Return on equity (ROE)
14.66%Retained earnings to average equity (YTD only)
7.26%Net charge-offs to loans
-0.10%Credit loss provision to net charge-offs
-197.44%Efficiency ratio
61,492Assets per employee
2.75%Cash dividends to net income (YTD only)
Condition Ratios (%)
50.46%Loss allowance to loans
1.22%Loss allowance to noncurrent loans
1283.75%Noncurrent assets plus other real estate owned to assets
0.22%Noncurrent loans to loans
0.10%Net loans and leases to deposits
77.86%Net loans and leases to core deposits
82.03%Equity capital to assets
6.79%Core capital (leverage) ratio
7.11%Tier 1 risk-based capital ratio
12.06%Total risk-based capital ratio
Memoranda
$13Average assets
$132,385Average earning assets
$8,894Average equity
$124,733Average loans

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