FDIC Certificate #: 3714 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:First National Bank in Taylorville (#17572) Federal Reserve ID: 1011740 Date Established: September 11, 1911 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 #: 2380 Numeric code: 3 Regulator: OCC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes State Chartered: No Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: May 20, 2008 Last Structure Change Process Date: June 03, 2008 Last Data Update: June 03, 2008 Data Source Date: April 05, 2012
Location
Address: 502 South Broad Street, Mount Auburn, IL 62547 County: Christian 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 Core Based Statistical Area (CBSA): Taylorville, IL (#45380) CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $26.1 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
2000 - 2011 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, 2007)
Dollar figures in thousands
5Total employees (full-time equivalent)
$23,789Total assets
$2,105Cash and due from depository institutions
$1,278Interest-bearing balances
$4,426Securities
$2,586Federal funds sold & reverse repurchase agreements
$13,986Net loans & leases
$126Loan loss allowance
$0Trading account assets
$93Bank premises and fixed assets
$105Other real estate owned
$295Goodwill and other intangibles
$0Life insurance assets
$193All other assets
$23,789Total liabilities and capital
$21,354Total liabilities
$21,247Total deposits
$19,549Interest-bearing deposits
$21,247Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$107All other liabilities
$2,435Total equity capital
$2,435Total bank equity capital
$2,435Perpetual preferred stock
$0Common stock
$130Surplus
$1,670Undivided profits
Memoranda
$635Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$51Earning assets
$0Long-term assets (5+ years)
$118Average Assets, year-to-date
$22,276Average Assets, quarterly
$1,640Volatile liabilities
$21,206Insider loans
$22,750FHLB advances
$6,429Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$0Restructured Loans and leases
$126Derivatives
Income and Expense (December 31, 2007)
Dollar figures in thousands
$1,286Total interest income
$719Total interest expense
$567Net interest income
$12Provision for loan and lease losses
$66Total noninterest income
$0Fiduciary activities
$45Service charges on deposit accounts
$0Trading account gains & fees
$21Additional noninterest income
$456Total noninterest expense
$203Salaries and employee benefits
$35Premises and equipment expense
$218Additional noninterest expense
$165Pre-tax net operating income
$0Securities gains (losses)
$39Applicable income taxes
$126Income before extraordinary items
$0Extraordinary gains - net
$126Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$38Sale, conversion, retirement of capital stock, net
$70Net operating income
Performance and Condition Ratios (December 31, 2007)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.47%Yield on earning assets
3.62%Cost of funding earning assets
2.85%Net interest margin
0.33%Noninterest income to earning assets
2.29%Noninterest expense to earning assets
0.59%Net operating income to assets
0.59%Return on assets (ROA)
0.78%Pretax return on assets
5.24%Return on equity (ROE)
2.33%Retained earnings to average equity (YTD only)
0.28%Net charge-offs to loans
31.58%Credit loss provision to net charge-offs
4.66%Efficiency ratio
65,561Assets per employee
4.76%Cash dividends to net income (YTD only)
Condition Ratios (%)
55.56%Loss allowance to loans
0.89%Loss allowance to noncurrent loans
247.06%Noncurrent assets plus other real estate owned to assets
0.66%Noncurrent loans to loans
0.36%Net loans and leases to deposits
65.83%Net loans and leases to core deposits
94.39%Equity capital to assets
10.24%Core capital (leverage) ratio
9.49%Tier 1 risk-based capital ratio
15.79%Total risk-based capital ratio
Memoranda
$17Average assets
$21,206Average earning assets
$2,402Average equity
$19,889Average loans
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