FDIC Certificate #: 12116 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Centrue Bank (#3744) Federal Reserve ID: 786041 Date Established: January 01, 1909 WWW:http://www.ubcd.com Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 6 (Interstate: No) OTS Docket #: 13253 FDIC's unique #: 7698 Numeric code: 13 Regulator: FED 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: March 20, 2004 Last Structure Change Process Date: April 12, 2004 Last Data Update: April 12, 2004 Data Source Date: April 05, 2012
Location
Address: 440 North Lafayette Street, Macomb, IL 61455 County: Mcdonough 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): Macomb, IL (#31380) CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $159.9 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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
52Total employees (full-time equivalent)
$159,940Total assets
$2,939Cash and due from depository institutions
$5Interest-bearing balances
$62,875Securities
$5,725Federal funds sold & reverse repurchase agreements
$72,121Net loans & leases
$4,539Loan loss allowance
$0Trading account assets
$3,195Bank premises and fixed assets
$47Other real estate owned
$2,573Goodwill and other intangibles
$0Life insurance assets
$10,465All other assets
$159,940Total liabilities and capital
$144,850Total liabilities
$131,061Total deposits
$120,368Interest-bearing deposits
$131,061Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$12,800Other borrowed funds
$0Subordinated debt
$989All other liabilities
$15,090Total equity capital
$15,090Total bank equity capital
$15,090Perpetual preferred stock
$0Common stock
$180Surplus
$15,404Undivided profits
Memoranda
$-494Noncurrent loans and leases
$8,647Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$5,678Earning assets
$335Long-term assets (5+ years)
$907Average Assets, year-to-date
$140,726Average Assets, quarterly
$52,827Volatile liabilities
$166,695Insider loans
$162,692FHLB advances
$50,771Loans and leases held for sale
$4,078Unused loan commitments
$12,800Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$8,647Total unused commitments
$0Restructured Loans and leases
$1,314Derivatives
Income and Expense (December 31, 2003)
Dollar figures in thousands
$8,086Total interest income
$3,298Total interest expense
$4,788Net interest income
$6,932Provision for loan and lease losses
$968Total noninterest income
$0Fiduciary activities
$601Service charges on deposit accounts
$0Trading account gains & fees
$367Additional noninterest income
$3,532Total noninterest expense
$1,694Salaries and employee benefits
$545Premises and equipment expense
$1,293Additional noninterest expense
-$4,708Pre-tax net operating income
$67Securities gains (losses)
-$1,928Applicable income taxes
-$2,713Income before extraordinary items
$0Extraordinary gains - net
-$2,713Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$3,653Sale, conversion, retirement of capital stock, net
$630Net operating income
Performance and Condition Ratios (December 31, 2003)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.48%Yield on earning assets
2.23%Cost of funding earning assets
3.24%Net interest margin
0.66%Noninterest income to earning assets
2.39%Noninterest expense to earning assets
-1.65%Net operating income to assets
-1.63%Return on assets (ROA)
-2.78%Pretax return on assets
-15.69%Return on equity (ROE)
-19.33%Retained earnings to average equity (YTD only)
3.84%Net charge-offs to loans
189.76%Credit loss provision to net charge-offs
0.61%Efficiency ratio
59,764Assets per employee
3.08%Cash dividends to net income (YTD only)
Condition Ratios (%)
-23.22%Loss allowance to loans
5.92%Loss allowance to noncurrent loans
79.94%Noncurrent assets plus other real estate owned to assets
3.58%Noncurrent loans to loans
7.41%Net loans and leases to deposits
55.03%Net loans and leases to core deposits
85.06%Equity capital to assets
9.43%Core capital (leverage) ratio
7.57%Tier 1 risk-based capital ratio
11.81%Total risk-based capital ratio
Memoranda
$13Average assets
$166,695Average earning assets
$17,296Average equity
$147,604Average loans
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