Chillicothe State Bank in Chillicothe, Illinois (IL)
Table of contents:
| Chillicothe State Bank | |
|---|---|
| General | FDIC Certificate #: 20366 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution: Commerce Bank, National Association (#3726) Federal Reserve ID: 220639 Date Established: Febuary 15, 1971 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Interstate: No) FDIC's unique #: 14029 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: Febuary 15, 1971 Last Structure Change Effective Date: May 02, 1995 Last Structure Change Process Date: May 15, 1995 Last Data Update: May 15, 1995 Data Source Date: April 05, 2012 |
| Location | Address: 1057 North Second Street, Chillicothe, IL 61523 County: Peoria Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Chicago FDIC Field Office: Princeton Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: Central Metropolitan Statistical Area (MSA): Peoria-Pekin, IL (#6120) Combined Statistical Area (CSA): Peoria-Canton, IL (#426) Core Based Statistical Area (CBSA): Peoria, IL (#37900) CBSA Metro Statistical Area: Peoria, IL (#37900) |
| Financial Summary | Total assets: $22.7 mil |
| Assets and Liabilities (December 31, 1994) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 0 |
| Total assets | $12 |
| Cash and due from depository institutions | $23,827 |
| Interest-bearing balances | $1,020 |
| Securities | $0 |
| Federal funds sold & reverse repurchase agreements | $10,078 |
| Net loans & leases | $600 |
| Loan loss allowance | $11,488 |
| Trading account assets | $95 |
| Bank premises and fixed assets | $0 |
| Other real estate owned | $266 |
| Goodwill and other intangibles | $130 |
| All other assets | $0 |
| Life insurance assets | $245 |
| Total liabilities and capital | $0 |
| Total liabilities | $23,827 |
| Total deposits | $21,645 |
| Interest-bearing deposits | $21,587 |
| Deposits held in domestic offices | $18,695 |
| % insured (estimated) | 21587.00% |
| Federal funds purchased & repurchase agreements | $91 |
| Trading liabilities | $0 |
| Other borrowed funds | $0 |
| Subordinated debt | $0 |
| All other liabilities | $0 |
| Total equity capital | $58 |
| Total bank equity capital | $58 |
| Perpetual preferred stock | $2,182 |
| Common stock | $0 |
| Surplus | $240 |
| Undivided profits | $1,260 |
| Memoranda | |
| Noncurrent loans and leases | $682 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 |
| Income earned, not collected on loans | $163 |
| Earning assets | $69 |
| Long-term assets (5+ years) | $22,166 |
| Average Assets, year-to-date | $1,561 |
| Average Assets, quarterly | $24,126 |
| Volatile liabilities | $24,025 |
| Insider loans | $1,946 |
| FHLB advances | $143 |
| Loans and leases held for sale | $0 |
| Unused loan commitments | $0 |
| Tier 1 (core) risk-based capital | $335 |
| Tier 2 risk-based capital | $0 |
| Total risk weighted assets | $2,243 |
| Total unused commitments | $12,739 |
| Restructured Loans and leases | $0 |
| Derivatives | $0 |
| Income and Expense (December 31, 1994) (Dollar figures in thousands) | |
| Total interest income | $0 |
| Total interest expense | $1,642 |
| Net interest income | $642 |
| Provision for loan and lease losses | $1,000 |
| Total noninterest income | $121 |
| Fiduciary activities | $128 |
| Service charges on deposit accounts | $0 |
| Trading account gains & fees | $82 |
| Additional noninterest income | $0 |
| Total noninterest expense | $46 |
| Salaries and employee benefits | $675 |
| Premises and equipment expense | $365 |
| Additional noninterest expense | $56 |
| Pre-tax net operating income | $254 |
| Securities gains (losses) | $332 |
| Applicable income taxes | -$6 |
| Income before extraordinary items | $94 |
| Extraordinary gains - net | $232 |
| Net income attributable to bank | $0 |
| Net charge-offs | $232 |
| Cash dividends | $121 |
| Sale, conversion, retirement of capital stock, net | $60 |
| Net operating income | $0 |
| Performance and Condition Ratios (December 31, 1994) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 0.00% |
| Cost of funding earning assets | 7.37% |
| Net interest margin | 2.88% |
| Noninterest income to earning assets | 4.49% |
| Noninterest expense to earning assets | 0.57% |
| Net operating income to assets | 3.03% |
| Return on assets (ROA) | 0.98% |
| Pretax return on assets | 0.96% |
| Return on equity (ROE) | 1.35% |
| Retained earnings to average equity (YTD only) | 10.85% |
| Net charge-offs to loans | 8.05% |
| Credit loss provision to net charge-offs | 1.08% |
| Efficiency ratio | 100.00% |
| Assets per employee | $59,840 |
| Cash dividends to net income (YTD only) | 1.99% |
| Condition Ratios (%) | |
| Loss allowance to loans | 25.86% |
| Loss allowance to noncurrent loans | 0.82% |
| Noncurrent assets plus other real estate owned to assets | 58.28% |
| Noncurrent loans to loans | 1.23% |
| Net loans and leases to deposits | 1.41% |
| Net loans and leases to core deposits | 53.22% |
| Equity capital to assets | 58.49% |
| Core capital (leverage) ratio | 9.16% |
| Tier 1 risk-based capital ratio | 9.30% |
| Total risk-based capital ratio | 17.61% |
| Memoranda | |
| Average assets | $18 |
| Average earning assets | $24,126 |
| Average equity | $2,137 |
| Average loans | $22,279 |
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