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This institution is no longer active

Operations ceased on September 21, 1995. CRA examination history below reflects the period it was active.

UNITED ILLINOIS BANK OF SOUTHERN ILLINOIS

BENTON, IL · Supervised by FDIC

Est. 1976FDIC #22,223RSSD: FDIC-22223
Part ofFIRSTBANK OF ILLINOIS CO→ View all charters
Outstanding Up

Current rating · Exam: January 1995

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Strong

ROA 1.44%

Institution Profile

FDIC BankFind

Address

701 Public Square, BENTON, IL

County

Franklin County

Established

February 16, 1976

Total Assets

$145M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

January 1, 1995

Exam Type

Not Reported

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 31 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q2 1995Call Report / FDIC

Total Assets

$145M

Total Deposits

$132M

Net Loans

$87M

Net Income

$1M

ROA

1.44%

Above avg for Small banks. Peer avg: 0.44%

ROE

17.56%

Risk-Based Capital

14.06%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA1.44%Peer avg: 0.44%▲ Above avg
Risk-Based Capital14.06%Peer avg: 23.03%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 2 exams

Exam DateRatingExam Type
Jan 1995OutstandingNot Reported
Oct 1992SatisfactoryNot Reported

Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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