FDIC Certificate #: 10077 Status: Active Federal Reserve ID: 860231 Date Established: May 25, 1891 Trust Powers Granted: Yes Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 6444 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: January 01, 1934 Last Structure Change Effective Date: March 31, 2006 Last Structure Change Process Date: June 08, 2010 Last Data Update: June 08, 2010 Data Source Date: April 05, 2012
Location
Address: 205 Lincoln St, Emden, IL 62635 County: Logan 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 Core Based Statistical Area (CBSA): Lincoln, IL (#30660) CBSA Micro Statistical Area: Yes
History of Changes
Change in Location
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $38.2 mil Equity capital: $8.4 mil Deposits held in domestic offices: $26.9 mil Return on assets (ROA): 0.69% ($0.3 mil) Quarterly return on assets: 0.80% ($0.3 mil) Return on Equity (ROE): 2.99% ($0.2 mil) Quarterly return on equity: 3.56% ($0.3 mil) Net income: $0.3 mil Quarterly Net income: $0.1 mil Pretax return on assets: 0.87% ($332.8 mil) Quarterly Pretax return on assets: 1.03% ($394.0 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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)
$38,249Total assets
$5,062Cash and due from depository institutions
$4,201Interest-bearing balances
$25,208Securities
$0Federal funds sold & reverse repurchase agreements
$7,623Net loans & leases
$64Loan loss allowance
$0Trading account assets
$66Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$38,249Life insurance assets
$290All other assets
$29,826Total liabilities and capital
$26,853Total liabilities
$24,173Total deposits
$26,853Interest-bearing deposits
$87Deposits held in domestic offices
2760.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$213Subordinated debt
$8,423All other liabilities
$8,423Total equity capital
$8,423Total bank equity capital
$0Perpetual preferred stock
$210Common stock
$670Surplus
$7,543Undivided 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
$251Long-term assets (5+ years)
$37,032Average Assets, year-to-date
$859Average Assets, quarterly
$36,092Volatile liabilities
$37,370Insider loans
$16,486FHLB advances
$37,135Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$8,423Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$0Restructured Loans and leases
$967Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,075Total interest income
$239Total interest expense
$836Net interest income
$6Provision for loan and lease losses
$32Total noninterest income
$9Fiduciary activities
$19Service charges on deposit accounts
$0Trading account gains & fees
$4Additional noninterest income
$560Total noninterest expense
$368Salaries and employee benefits
$66Premises and equipment expense
$126Additional noninterest expense
$302Pre-tax net operating income
$12Securities gains (losses)
$64Applicable income taxes
$250Income before extraordinary items
$0Extraordinary gains - net
$250Net income attributable to bank
$0Net charge-offs
$250Cash dividends
$4Sale, conversion, retirement of capital stock, net
$87Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.06%Yield on earning assets
0.68%Cost of funding earning assets
2.38%Net interest margin
0.09%Noninterest income to earning assets
1.59%Noninterest expense to earning assets
0.67%Net operating income to assets
0.69%Return on assets (ROA)
0.87%Pretax return on assets
2.99%Return on equity (ROE)
1.95%Retained earnings to average equity (YTD only)
0.06%Net charge-offs to loans
150.00%Credit loss provision to net charge-offs
77.00%Efficiency ratio
64,516Assets per employee
6.37%Cash dividends to net income (YTD only)
Condition Ratios (%)
34.80%Loss allowance to loans
0.83%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
28.39%Net loans and leases to core deposits
30.11%Equity capital to assets
22.02%Core capital (leverage) ratio
22.68%Tier 1 risk-based capital ratio
51.09%Total risk-based capital ratio
Memoranda
$51Average assets
$36,092Average earning assets
$8,358Average equity
$35,156Average 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
$3,244Managed Assets
1Number of Accounts
$0Personal trust and agency accounts
$0Employee 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
18Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$3,244Other retirement accounts
$0Corporate trust and agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
List of branches
1 Illinois Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
6444
Farmers State Bank Of Emden
205 Lincoln St, Emden, IL 62635
May 25, 1891
Full Service Brick and Mortar
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