Bluestem National Bank in city_name, state_name - Detailed Financial Reports, Location

Bluestem National Bank in Fairbury, Illinois (IL)
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Bluestem National Bank routing number info

Bluestem National Bank - Overview

General
FDIC Certificate #: 9077
Status: Active
Federal Reserve ID: 548838
Bank Holding Company (Regulatory Top Holder): Bluestem Financial Corp. (RSSDID: 1427369, Location: Fairbury, IL)
Date Established: November 01, 1918
WWW: http://www.bluestem.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 3 (Domestic: 3, Interstate: No)
FDIC's unique #: 5811
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Agricultural lending institution: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: No
Subchapter S Corporations: No
Asset Concentration Hierarchy: Agricultural Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: March 31, 2006
Last Structure Change Process Date: November 03, 2006
Last Data Update: November 03, 2006
Data Source Date: April 05, 2012
Location
Address: 104 East Locust Street, Fairbury, IL 61739
County: Livingston
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Champaign
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Central
Core Based Statistical Area (CBSA): Pontiac, IL (#38700)
CBSA Micro Statistical Area: Yes
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $93.0 mil
Equity capital: $14.5 mil
Deposits held in domestic offices: $77.8 mil
Return on assets (ROA): 0.57% ($0.5 mil)
Quarterly return on assets: 0.74% ($0.7 mil)
Return on Equity (ROE): 3.74% ($0.5 mil)
Quarterly return on equity: 4.73% ($0.7 mil)
Net income: $0.5 mil
Quarterly Net income: $0.2 mil
Pretax return on assets: 0.70% ($651.1 mil)
Quarterly Pretax return on assets: 0.66% ($613.9 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, 2011)

Dollar figures in thousands
25Total employees (full-time equivalent)
$93,021Total assets
$10,100Cash and due from depository institutions
$100Interest-bearing balances
$43,406Securities
$1,015Federal funds sold & reverse repurchase agreements
$36,926Net loans & leases
$285Loan loss allowance
$0Trading account assets
$515Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$93,021Life insurance assets
$1,059All other assets
$78,522Total liabilities and capital
$77,835Total liabilities
$63,275Total deposits
$77,835Interest-bearing deposits
$96Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$687Subordinated debt
$14,499All other liabilities
$14,499Total equity capital
$14,499Total bank equity capital
$0Perpetual preferred stock
$500Common stock
$1,500Surplus
$12,499Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$985Income earned, not collected on loans
$0Earning assets
$711Long-term assets (5+ years)
$81,447Average Assets, year-to-date
$32,365Average Assets, quarterly
$91,813Volatile liabilities
$92,523Insider loans
$53,555FHLB advances
$92,879Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$13,792Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$7,810Restructured Loans and leases
$1,092Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$2,756Total interest income
$306Total interest expense
$2,450Net interest income
$55Provision for loan and lease losses
$454Total noninterest income
$146Fiduciary activities
$169Service charges on deposit accounts
$0Trading account gains & fees
$139Additional noninterest income
$2,301Total noninterest expense
$1,337Salaries and employee benefits
$225Premises and equipment expense
$739Additional noninterest expense
$548Pre-tax net operating income
$92Securities gains (losses)
$114Applicable income taxes
$526Income before extraordinary items
$0Extraordinary gains - net
$526Net income attributable to bank
$0Net charge-offs
$526Cash dividends
$54Sale, conversion, retirement of capital stock, net
$265Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
3.43%Yield on earning assets
0.38%Cost of funding earning assets
3.05%Net interest margin
0.57%Noninterest income to earning assets
2.87%Noninterest expense to earning assets
0.49%Net operating income to assets
0.57%Return on assets (ROA)
0.70%Pretax return on assets
3.74%Return on equity (ROE)
1.86%Retained earnings to average equity (YTD only)
0.16%Net charge-offs to loans
101.85%Credit loss provision to net charge-offs
11.17%Efficiency ratio
79,236Assets per employee
3.72%Cash dividends to net income (YTD only)
Condition Ratios (%)
50.38%Loss allowance to loans
0.77%Loss allowance to noncurrent loans
28.93%Noncurrent assets plus other real estate owned to assets
1.06%Noncurrent loans to loans
2.65%Net loans and leases to deposits
47.44%Net loans and leases to core deposits
47.62%Equity capital to assets
15.59%Core capital (leverage) ratio
14.85%Tier 1 risk-based capital ratio
25.75%Total risk-based capital ratio
Memoranda
$26Average assets
$91,813Average earning assets
$14,053Average equity
$80,272Average loans

Total Fiduciary and Related Assets (December 31, 2011)

Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
YesFiduciary powers granted
YesFiduciary or related activity
$31,455Managed Assets
1Number of Accounts
$16,557Personal trust and agency accounts
$16,557Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Investment management agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
70Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$14,898Other retirement accounts
$13,492Corporate trust and agency accounts
$0Other fiduciary accounts
$1,406Fiduciary accounts held in foreign offices

List of branches

3 Illinois Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	5811	Bluestem National Bank	104 East Locust Street, Fairbury, IL 61739	November 01, 1918	Full Service Brick and Mortar
1	219389	Drive-Up Facility	101 East Oak Street, Fairbury, IL 61739	October 14, 1980	Limited Service Facility
2	278839	Forrest Branch	500 South Center Street, Forrest, IL 61741	May 22, 1941	Full Service Brick and Mortar

Bluestem National Bank in Fairbury, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

Bluestem National Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Bluestem National Bank in Fairbury, Illinois (IL)Overview, Financial Summary, Detailed Financial Reports, Branches

Bluestem National Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Bluestem National Bank in Fairbury, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches