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

This bank is inactive as of March 22, 1994

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

  • General
  • FDIC Certificate #: 3802
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Central Bank (#3788)
    Federal Reserve ID: 169448
    Date Established: July 01, 1891
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 3 (Interstate: No)
    FDIC's unique #: 2463
    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: March 22, 1994
    Last Structure Change Process Date: April 11, 1994
    Last Data Update: April 11, 1994
    Data Source Date: April 05, 2012
  • Location
  • Address: 1000 Broadway, Highland, IL 62249
    County: Madison
    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: $104.1 mil

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

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $37Total assets
  • $104,085Cash and due from depository institutions
  • $4,271Interest-bearing balances
  • $0Securities
  • $47,468Federal funds sold & reverse repurchase agreements
  • $3,050Net loans & leases
  • $44,271Loan loss allowance
  • $1,200Trading account assets
  • $0Bank premises and fixed assets
  • $3,463Other real estate owned
  • $460Goodwill and other intangibles
  • $1,102Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $104,085Total liabilities
  • $95,189Total deposits
  • $94,597Interest-bearing deposits
  • $81,518Deposits held in domestic offices
  • 94597.00%% insured (estimated)
  • $91Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $592Total equity capital
  • $592Total bank equity capital
  • $8,896Perpetual preferred stock
  • $0Common stock
  • $370Surplus
  • $1,370Undivided profits
  • Memoranda
  • $7,156Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $923Income earned, not collected on loans
  • $352Earning assets
  • $94,789Long-term assets (5+ years)
  • $16,976Average Assets, year-to-date
  • $102,059Average Assets, quarterly
  • $102,263Volatile liabilities
  • $3,315Insider loans
  • $22FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $8,878Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $8,896Total risk weighted assets
  • $52,678Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1993)

  • Dollar figures in thousands
  • $0Total interest income
  • $6,817Total interest expense
  • $2,799Net interest income
  • $4,018Provision for loan and lease losses
  • $0Total noninterest income
  • $571Fiduciary activities
  • $154Service charges on deposit accounts
  • $273Trading account gains & fees
  • $0Additional noninterest income
  • $144Total noninterest expense
  • $2,351Salaries and employee benefits
  • $1,210Premises and equipment expense
  • $404Additional noninterest expense
  • $737Pre-tax net operating income
  • $2,238Securities gains (losses)
  • $0Applicable income taxes
  • $620Income before extraordinary items
  • $1,618Extraordinary gains - net
  • $89Net income attributable to bank
  • $1,707Net charge-offs
  • $488Cash dividends
  • $814Sale, 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
  • 7.31%Cost of funding earning assets
  • 3.00%Net interest margin
  • 4.31%Noninterest income to earning assets
  • 0.61%Noninterest expense to earning assets
  • 2.52%Net operating income to assets
  • 1.59%Return on assets (ROA)
  • 1.67%Pretax return on assets
  • 2.28%Return on equity (ROE)
  • 20.34%Retained earnings to average equity (YTD only)
  • 10.64%Net charge-offs to loans
  • 1.07%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 51,231Assets per employee
  • 2.81%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 47.69%Loss allowance to loans
  • 2.64%Loss allowance to noncurrent loans
  • 130.01%Noncurrent assets plus other real estate owned to assets
  • 1.33%Noncurrent loans to loans
  • 2.03%Net loans and leases to deposits
  • 46.80%Net loans and leases to core deposits
  • 48.50%Equity capital to assets
  • 8.55%Core capital (leverage) ratio
  • 8.92%Tier 1 risk-based capital ratio
  • 16.89%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $102,059Average earning assets
  • $8,394Average equity
  • $93,203Average loans

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