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

This bank is inactive as of August 08, 1998

The Peoples National Bank of Grayville in Grayville, Illinois (IL)
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The Peoples National Bank of Grayville - Overview

General
FDIC Certificate #: 15495
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Integra Bank National Association (#4392)
Federal Reserve ID: 832845
Date Established: May 27, 1937
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)
OTS Docket #: 13418
FDIC's unique #: 9797
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: May 27, 1937
Last Structure Change Effective Date: August 08, 1998
Last Structure Change Process Date: November 05, 1998
Last Data Update: November 05, 1998
Data Source Date: April 05, 2012
Location
Address: 119 South Middle Street, Grayville, IL 62844
County: White
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
Financial Summary
Total assets: $34.9 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1997)

Dollar figures in thousands
14Total employees (full-time equivalent)
$37,758Total assets
$2,418Cash and due from depository institutions
$10Interest-bearing balances
$9,404Securities
$2,540Federal funds sold & reverse repurchase agreements
$22,164Net loans & leases
$278Loan loss allowance
$0Trading account assets
$417Bank premises and fixed assets
$13Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$802All other assets
$37,758Total liabilities and capital
$34,543Total liabilities
$32,083Total deposits
$28,240Interest-bearing deposits
$32,083Deposits held in domestic offices
0.00%% insured (estimated)
$2,131Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$329All other liabilities
$3,215Total equity capital
$3,215Total bank equity capital
$3,215Perpetual preferred stock
$0Common stock
$800Surplus
$800Undivided profits
Memoranda
$1,615Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$149Earning assets
$45Long-term assets (5+ years)
$533Average Assets, year-to-date
$34,118Average Assets, quarterly
$11,429Volatile liabilities
$36,525Insider loans
$37,070FHLB advances
$5,848Loans and leases held for sale
$1,088Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$3,627Total unused commitments
$0Restructured Loans and leases
$24,436Derivatives

Income and Expense (December 31, 1997)

Dollar figures in thousands
$2,653Total interest income
$1,216Total interest expense
$1,437Net interest income
$141Provision for loan and lease losses
$173Total noninterest income
$0Fiduciary activities
$80Service charges on deposit accounts
$0Trading account gains & fees
$93Additional noninterest income
$1,030Total noninterest expense
$567Salaries and employee benefits
$119Premises and equipment expense
$344Additional noninterest expense
$439Pre-tax net operating income
$38Securities gains (losses)
$37Applicable income taxes
$440Income before extraordinary items
$0Extraordinary gains - net
$440Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$88Sale, conversion, retirement of capital stock, net
$500Net operating income

Performance and Condition Ratios (December 31, 1997)

Dollar figures in thousands
Performance Ratios (%, annualized)
7.97%Yield on earning assets
3.65%Cost of funding earning assets
4.31%Net interest margin
0.52%Noninterest income to earning assets
3.09%Noninterest expense to earning assets
1.11%Net operating income to assets
1.20%Return on assets (ROA)
1.31%Pretax return on assets
14.31%Return on equity (ROE)
-1.95%Retained earnings to average equity (YTD only)
0.38%Net charge-offs to loans
160.23%Credit loss provision to net charge-offs
6.59%Efficiency ratio
63,975Assets per employee
2.70%Cash dividends to net income (YTD only)
Condition Ratios (%)
113.64%Loss allowance to loans
1.24%Loss allowance to noncurrent loans
186.58%Noncurrent assets plus other real estate owned to assets
0.43%Noncurrent loans to loans
0.66%Net loans and leases to deposits
69.08%Net loans and leases to core deposits
78.14%Equity capital to assets
8.51%Core capital (leverage) ratio
8.82%Tier 1 risk-based capital ratio
12.72%Total risk-based capital ratio
Memoranda
$14Average assets
$36,525Average earning assets
$3,075Average equity
$33,305Average loans

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