FDIC Certificate #: 1788 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:UMB Bank, National Association (#8273) Federal Reserve ID: 1008348 Date Established: January 20, 1930 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Interstate: No) FDIC's unique #: 1185 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: September 25, 1999 Last Structure Change Process Date: October 06, 1999 Last Data Update: October 06, 1999 Data Source Date: April 05, 2012
Location
Address: 5th And Carlin Streets, Morrisonville, IL 62546 County: Christian Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Kansas City 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: $11.3 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 1998)
Dollar figures in thousands
10Total employees (full-time equivalent)
$12,214Total assets
$362Cash and due from depository institutions
$0Interest-bearing balances
$6,279Securities
$896Federal funds sold & reverse repurchase agreements
$4,375Net loans & leases
$93Loan loss allowance
$0Trading account assets
$129Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$173All other assets
$12,214Total liabilities and capital
$11,273Total liabilities
$11,144Total deposits
$8,411Interest-bearing deposits
$11,144Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$129All other liabilities
$941Total equity capital
$941Total bank equity capital
$941Perpetual preferred stock
$0Common stock
$120Surplus
$380Undivided profits
Memoranda
$441Noncurrent loans and leases
$0Noncurrent 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)
$42Average Assets, year-to-date
$11,550Average Assets, quarterly
$1,591Volatile liabilities
$12,834Insider loans
$11,942FHLB advances
$793Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$20Total unused commitments
$0Restructured Loans and leases
$5,858Derivatives
Income and Expense (December 31, 1998)
Dollar figures in thousands
$700Total interest income
$406Total interest expense
$294Net interest income
$36Provision for loan and lease losses
$501Total noninterest income
$0Fiduciary activities
$32Service charges on deposit accounts
$0Trading account gains & fees
$469Additional noninterest income
$521Total noninterest expense
$202Salaries and employee benefits
$60Premises and equipment expense
$259Additional noninterest expense
$238Pre-tax net operating income
$0Securities gains (losses)
$21Applicable income taxes
$217Income before extraordinary items
$0Extraordinary gains - net
$217Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$25Sale, conversion, retirement of capital stock, net
$300Net operating income
Performance and Condition Ratios (December 31, 1998)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.09%Yield on earning assets
3.53%Cost of funding earning assets
2.56%Net interest margin
4.36%Noninterest income to earning assets
4.53%Noninterest expense to earning assets
1.69%Net operating income to assets
1.69%Return on assets (ROA)
1.85%Pretax return on assets
20.28%Return on equity (ROE)
-7.76%Retained earnings to average equity (YTD only)
0.56%Net charge-offs to loans
144.00%Credit loss provision to net charge-offs
10.96%Efficiency ratio
65,535Assets per employee
1.22%Cash dividends to net income (YTD only)
Condition Ratios (%)
138.25%Loss allowance to loans
2.08%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
39.26%Net loans and leases to core deposits
42.27%Equity capital to assets
7.70%Core capital (leverage) ratio
7.55%Tier 1 risk-based capital ratio
15.28%Total risk-based capital ratio
Memoranda
$17Average assets
$12,834Average earning assets
$1,070Average equity
$11,492Average loans
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