FDIC Certificate #: 12094 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Philo Exchange Bank (#5722) Federal Reserve ID: 650834 Date Established: January 01, 1908 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 2 (Interstate: No) FDIC's unique #: 7684 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes State Chartered: Yes Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: December 12, 2004 Last Structure Change Process Date: December 21, 2004 Last Data Update: December 21, 2004 Data Source Date: April 05, 2012
Location
Address: Main Street, Allerton, IL 61810 County: Vermilion 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 Core Based Statistical Area (CBSA): Danville, IL (#19180) CBSA Metro Statistical Area: Danville, IL (#19180)
Financial Summary
Total assets: $19.3 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2003)
Dollar figures in thousands
5Total employees (full-time equivalent)
$18,736Total assets
$2,992Cash and due from depository institutions
$0Interest-bearing balances
$4,783Securities
$2,474Federal funds sold & reverse repurchase agreements
$8,223Net loans & leases
$56Loan loss allowance
$0Trading account assets
$53Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$211All other assets
$18,736Total liabilities and capital
$17,135Total liabilities
$17,076Total deposits
$12,319Interest-bearing deposits
$17,076Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$59All other liabilities
$1,601Total equity capital
$1,601Total bank equity capital
$1,601Perpetual preferred stock
$0Common stock
$44Surplus
$690Undivided profits
Memoranda
$867Noncurrent loans and leases
$1,231Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$0Long-term assets (5+ years)
$194Average Assets, year-to-date
$15,480Average Assets, quarterly
$659Volatile liabilities
$18,286Insider loans
$17,723FHLB advances
$1,417Loans and leases held for sale
$195Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$1,231Total unused commitments
$0Restructured Loans and leases
$56Derivatives
Income and Expense (December 31, 2003)
Dollar figures in thousands
$773Total interest income
$210Total interest expense
$563Net interest income
$0Provision for loan and lease losses
$36Total noninterest income
$0Fiduciary activities
$31Service charges on deposit accounts
$0Trading account gains & fees
$5Additional noninterest income
$419Total noninterest expense
$247Salaries and employee benefits
$64Premises and equipment expense
$108Additional noninterest expense
$180Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$180Income before extraordinary items
$0Extraordinary gains - net
$180Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$0Sale, conversion, retirement of capital stock, net
$157Net operating income
Performance and Condition Ratios (December 31, 2003)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.89%Yield on earning assets
1.33%Cost of funding earning assets
3.56%Net interest margin
0.23%Noninterest income to earning assets
2.65%Noninterest expense to earning assets
0.98%Net operating income to assets
0.98%Return on assets (ROA)
0.98%Pretax return on assets
10.79%Return on equity (ROE)
1.38%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
69,950Assets per employee
3.75%Cash dividends to net income (YTD only)
Condition Ratios (%)
87.22%Loss allowance to loans
0.68%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
48.16%Net loans and leases to core deposits
52.51%Equity capital to assets
8.55%Core capital (leverage) ratio
8.68%Tier 1 risk-based capital ratio
14.03%Total risk-based capital ratio
Memoranda
$15Average assets
$18,286Average earning assets
$1,669Average equity
$15,819Average loans
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