Vitals
  • Total Assets
    115.8M 9.3 %
  • Total Deposits
    103.5M 9.7 %
  • Total Net Loans
    69.1M -10.3 %
  • Net Income
    1.3M 23.9 %
  • Book Value
    10.5M 6.3 %
  • Book Value x2
    20.9M 6.3 %
  • Book Value x3
    31.4M 6.3 %
ROAA

1.474

ROAE

16.643

Efficiency Ratio

55.527

Net Interest Margin

3.048

Balance Sheet Highlights
Financial Highlights The Bank All Insured Commercial Banks in Illinois
Balance Sheet $(000)
Total Assets 115,798 185,178
Total Net Loans 69,121 126,478
Total Deposits 103,531 154,522
Total Equity 10,458 19,078
Profitability
Net Income 1,287 5,528
Return on Average Assets 1.474 1.131
Return on Average Equity 16.643 10.841
Net Interest Margin 3.048 3.677
Efficiency Ratio 55.527 67.285
Noninterest Income/Revenue 9.183 9.523
Balance Sheet Ratios
Loan-to-Deposit 66.764 76.02
Securities/Assets .224 .912
Total Equity/Total Assets .09 .103
Tangible Equity/Tangible Assets .09 -.033
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 10,458 17,576
Tier 2 Capital 585 1,383
Total Capital 11,043 19,003
Total Risk Weighted Assets 69,315 139,318
Leverage Ratio 8.94 10.391
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 15.09 15.04
Total Capital Ratio 15.93 16.026

Timeline for The Bank

Prairie State Bank And Trust

The Bank was acquired by Prairie State Bank And Trust 16 years

View Profile Dec 08 2007

American Central Bancorporation, Inc.

American Central Bancorporation, Inc. became a new parent organization for The Bank.

View Profile Feb 05 2005

American Central Financial Group, Inc.

American Central Financial Group, Inc. became a new parent organization for The Bank.

View Profile Jun 25 1982

The Bank

The Bank was established 50 years ago and is currently headquartered in Charleston, IL.

Jul 19 1973
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Prairie State Bank And Trust Buyer 703,113 Pooling of Interests Discontinued 12/8/2007
Relationships Role Relationship Start Relationship End
American Central Bancorporation, Inc. Parent 2/5/2005 12/7/2007
American Central Financial Group, Inc. Parent 10/24/2002 2/4/2005
American Central Financial Group, Inc. Parent 8/9/2002 10/23/2002
American Central Financial Group, Inc. Parent 12/31/1998 8/8/2002
American Central Financial Group, Inc. Parent 9/11/1992 12/30/1998
American Central Financial Group, Inc. Parent 6/25/1982 9/10/1992
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