FDIC Certificate #: 13902 Status: Active Federal Reserve ID: 295646 Date Established: September 09, 1912 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 #: 8694 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: Febuary 17, 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: Main And Washington Streets, Medora, IL 62063 County: Macoupin 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 Combined Statistical Area (CSA): St. Louis-St. Charles-Farmington, MO-IL (#476) Core Based Statistical Area (CBSA): St. Louis, MO-IL (#41180) CBSA Metro Statistical Area: St. Louis, MO-IL (#41180)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $20.4 mil Equity capital: $3.4 mil Deposits held in domestic offices: $16.7 mil Return on assets (ROA): 0.68% ($0.1 mil) Quarterly return on assets: 0.04% ($0.0 mil) Return on Equity (ROE): 4.01% ($0.1 mil) Quarterly return on equity: 0.23% ($0.0 mil) Net income: $0.1 mil Quarterly Net income: $0.0 mil Pretax return on assets: 0.68% ($138.6 mil) Quarterly Pretax return on assets: 0.04% ($8.2 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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)
$20,389Total assets
$2,494Cash and due from depository institutions
$2,333Interest-bearing balances
$11,911Securities
$395Federal funds sold & reverse repurchase agreements
$5,183Net loans & leases
$59Loan loss allowance
$0Trading account assets
$189Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$20,389Life insurance assets
$217All other assets
$16,957Total liabilities and capital
$16,656Total liabilities
$12,484Total deposits
$16,656Interest-bearing deposits
$100Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$301Subordinated debt
$3,432All other liabilities
$3,432Total equity capital
$3,432Total bank equity capital
$0Perpetual preferred stock
$75Common stock
$625Surplus
$2,732Undivided 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
$187Long-term assets (5+ years)
$19,822Average Assets, year-to-date
$8,686Average Assets, quarterly
$19,316Volatile liabilities
$19,870Insider loans
$8,951FHLB advances
$19,284Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$3,052Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$20Restructured Loans and leases
$709Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$755Total interest income
$165Total interest expense
$590Net interest income
$0Provision for loan and lease losses
$5Total noninterest income
$0Fiduciary activities
$5Service charges on deposit accounts
$0Trading account gains & fees
$0Additional noninterest income
$475Total noninterest expense
$302Salaries and employee benefits
$74Premises and equipment expense
$99Additional noninterest expense
$120Pre-tax net operating income
$11Securities gains (losses)
$0Applicable income taxes
$131Income before extraordinary items
$0Extraordinary gains - net
$131Net income attributable to bank
$0Net charge-offs
$131Cash dividends
$0Sale, conversion, retirement of capital stock, net
$56Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.30%Yield on earning assets
0.94%Cost of funding earning assets
3.36%Net interest margin
0.03%Noninterest income to earning assets
2.70%Noninterest expense to earning assets
0.62%Net operating income to assets
0.68%Return on assets (ROA)
0.68%Pretax return on assets
4.01%Return on equity (ROE)
2.29%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
79,832Assets per employee
5.10%Cash dividends to net income (YTD only)
Condition Ratios (%)
42.75%Loss allowance to loans
1.13%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
31.12%Net loans and leases to core deposits
31.12%Equity capital to assets
16.83%Core capital (leverage) ratio
15.83%Tier 1 risk-based capital ratio
34.10%Total risk-based capital ratio
Memoranda
$35Average assets
$19,316Average earning assets
$3,271Average equity
$17,578Average loans
List of branches
1 Illinois Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
8694
Farmers State Bank Of Medora
Main And Washington Streets, Medora, IL 62063
September 09, 1912
Full Service Brick and Mortar
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