Farmers & Merchants Bank of Hutsonville - Overview
General
FDIC Certificate #: 10469 Status: Active Federal Reserve ID: 724940 Bank Holding Company (Regulatory Top Holder): Hutsonville Banc Corp. (RSSDID: 1096390, Location: Hutsonville, IL) Date Established: December 20, 1920 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 #: 6697 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: Yes Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion 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: 108 S Main St, Hutsonville, IL 62433 County: Crawford Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Chicago FDIC Field Office: Mount Vernon Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: Central
History of Changes
Change in Location
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $41.4 mil Equity capital: $6.2 mil Deposits held in domestic offices: $32.0 mil Return on assets (ROA): 0.68% ($0.3 mil) Quarterly return on assets: -0.17% (-$0.1 mil) Return on Equity (ROE): 4.48% ($0.3 mil) Quarterly return on equity: -1.14% (-$0.1 mil) Net income: $0.3 mil Quarterly Net income: -$0.0 mil Pretax return on assets: 0.68% ($281.8 mil) Quarterly Pretax return on assets: -0.17% (-$70.5 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
6Total employees (full-time equivalent)
$41,443Total assets
$22,202Cash and due from depository institutions
$21,578Interest-bearing balances
$3,573Securities
$551Federal funds sold & reverse repurchase agreements
$12,921Net loans & leases
$84Loan loss allowance
$0Trading account assets
$21Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$41,443Life insurance assets
$2,175All other assets
$35,200Total liabilities and capital
$31,964Total liabilities
$29,115Total deposits
$31,964Interest-bearing deposits
$92Deposits held in domestic offices
3203.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$33Subordinated debt
$6,243All other liabilities
$6,243Total equity capital
$6,243Total bank equity capital
$0Perpetual preferred stock
$150Common stock
$1,850Surplus
$4,243Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1Income earned, not collected on loans
$0Earning assets
$100Long-term assets (5+ years)
$38,623Average Assets, year-to-date
$3,643Average Assets, quarterly
$41,131Volatile liabilities
$41,636Insider loans
$13,536FHLB advances
$42,885Loans and leases held for sale
$2,015Unused loan commitments
$2,015Tier 1 (core) risk-based capital
$6,243Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$842Restructured Loans and leases
$108Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,120Total interest income
$445Total interest expense
$675Net interest income
$0Provision for loan and lease losses
$108Total noninterest income
$0Fiduciary activities
$21Service charges on deposit accounts
$0Trading account gains & fees
$87Additional noninterest income
$515Total noninterest expense
$328Salaries and employee benefits
$23Premises and equipment expense
$164Additional noninterest expense
$268Pre-tax net operating income
$10Securities gains (losses)
$0Applicable income taxes
$278Income before extraordinary items
$0Extraordinary gains - net
$278Net income attributable to bank
$0Net charge-offs
$278Cash dividends
$0Sale, conversion, retirement of capital stock, net
$95Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
2.92%Yield on earning assets
1.16%Cost of funding earning assets
1.76%Net interest margin
0.28%Noninterest income to earning assets
1.34%Noninterest expense to earning assets
0.65%Net operating income to assets
0.68%Return on assets (ROA)
0.68%Pretax return on assets
4.48%Return on equity (ROE)
2.95%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
65,773Assets per employee
6.91%Cash dividends to net income (YTD only)
Condition Ratios (%)
34.17%Loss allowance to loans
0.65%Loss allowance to noncurrent loans
8400.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.01%Net loans and leases to deposits
40.42%Net loans and leases to core deposits
43.47%Equity capital to assets
15.06%Core capital (leverage) ratio
14.56%Tier 1 risk-based capital ratio
46.12%Total risk-based capital ratio
Memoranda
$47Average assets
$41,131Average earning assets
$6,206Average equity
$38,357Average loans
List of branches
1 Illinois Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
6697
Farmers & Merchants Bank Of Hutsonvi
108 S Main St, Hutsonville, IL 62433
December 20, 1920
Full Service Brick and Mortar
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