FDIC Certificate #: 18568 Status: Active Federal Reserve ID: 958231 Bank Holding Company (Regulatory Top Holder): Easton Bancshares, Inc. (RSSDID: 1417436, Location: Easton, IL) Date Established: August 01, 1962 Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 12456 Numeric code: 21 Regulator: FDIC 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: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: August 01, 1962 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: Second And Main Streets, Easton, IL 62633 County: Mason 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
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $26.0 mil Equity capital: $4.0 mil Deposits held in domestic offices: $21.9 mil Return on assets (ROA): 1.13% ($0.3 mil) Quarterly return on assets: 0.90% ($0.2 mil) Return on Equity (ROE): 7.85% ($0.3 mil) Quarterly return on equity: 6.06% ($0.2 mil) Net income: $0.3 mil Quarterly Net income: $0.1 mil Pretax return on assets: 1.82% ($473.0 mil) Quarterly Pretax return on assets: 1.62% ($421.1 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
4Total employees (full-time equivalent)
$25,991Total assets
$10,101Cash and due from depository institutions
$8,000Interest-bearing balances
$500Securities
$0Federal funds sold & reverse repurchase agreements
$15,023Net loans & leases
$54Loan loss allowance
$0Trading account assets
$19Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$25,991Life insurance assets
$348All other assets
$21,965Total liabilities and capital
$21,929Total liabilities
$18,380Total deposits
$21,929Interest-bearing deposits
$93Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$36Subordinated debt
$4,026All other liabilities
$4,026Total equity capital
$4,026Total bank equity capital
$0Perpetual preferred stock
$120Common stock
$880Surplus
$3,026Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$300Long-term assets (5+ years)
$23,523Average Assets, year-to-date
$68Average Assets, quarterly
$27,381Volatile liabilities
$27,127Insider loans
$14,351FHLB advances
$28,891Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$4,026Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$0Restructured Loans and leases
$797Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$917Total interest income
$173Total interest expense
$744Net interest income
$0Provision for loan and lease losses
$42Total noninterest income
$0Fiduciary activities
$38Service charges on deposit accounts
$0Trading account gains & fees
$4Additional noninterest income
$289Total noninterest expense
$202Salaries and employee benefits
$27Premises and equipment expense
$60Additional noninterest expense
$497Pre-tax net operating income
$0Securities gains (losses)
$187Applicable income taxes
$310Income before extraordinary items
$0Extraordinary gains - net
$310Net income attributable to bank
$0Net charge-offs
$310Cash dividends
$0Sale, conversion, retirement of capital stock, net
$110Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.94%Yield on earning assets
0.74%Cost of funding earning assets
3.19%Net interest margin
0.18%Noninterest income to earning assets
1.24%Noninterest expense to earning assets
1.13%Net operating income to assets
1.13%Return on assets (ROA)
1.82%Pretax return on assets
7.85%Return on equity (ROE)
5.06%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
36,768Assets per employee
6.50%Cash dividends to net income (YTD only)
Condition Ratios (%)
35.48%Loss allowance to loans
0.36%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
68.51%Net loans and leases to core deposits
69.76%Equity capital to assets
15.49%Core capital (leverage) ratio
13.94%Tier 1 risk-based capital ratio
28.05%Total risk-based capital ratio
Memoranda
$28Average assets
$27,381Average earning assets
$3,949Average equity
$23,295Average loans
List of branches
1 Illinois Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
12456
Community Bank Of Easton
Second And Main Streets, Easton, IL 62633
August 01, 1962
Full Service Brick and Mortar
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