FDIC Certificate #: 1802 Status: Active Federal Reserve ID: 486248 Bank Holding Company (Regulatory Top Holder): Fayette County Bancshares, Inc. (RSSDID: 1143669, Location: Saint Elmo, IL) Date Established: January 01, 1894 WWW:http://www.fayettecountybk.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 1196 Numeric code: 13 Regulator: FED 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: Yes 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: 320 North Main Street, St. Elmo, IL 62458 County: Fayette 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
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $25.2 mil Equity capital: $2.8 mil Deposits held in domestic offices: $22.3 mil Return on assets (ROA): 0.59% ($0.1 mil) Quarterly return on assets: 0.71% ($0.2 mil) Return on Equity (ROE): 5.98% ($0.2 mil) Quarterly return on equity: 6.68% ($0.2 mil) Net income: $0.2 mil Quarterly Net income: $0.0 mil Pretax return on assets: 0.59% ($148.8 mil) Quarterly Pretax return on assets: 0.71% ($179.1 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
8Total employees (full-time equivalent)
$25,224Total assets
$5,406Cash and due from depository institutions
$4,672Interest-bearing balances
$7,045Securities
$445Federal funds sold & reverse repurchase agreements
$11,967Net loans & leases
$122Loan loss allowance
$0Trading account assets
$131Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$25,224Life insurance assets
$230All other assets
$22,400Total liabilities and capital
$22,313Total liabilities
$17,893Total deposits
$22,313Interest-bearing deposits
$87Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$87Subordinated debt
$2,824All other liabilities
$2,824Total equity capital
$2,824Total bank equity capital
$0Perpetual preferred stock
$60Common stock
$940Surplus
$1,824Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$396Income earned, not collected on loans
$0Earning assets
$132Long-term assets (5+ years)
$24,129Average Assets, year-to-date
$6,709Average Assets, quarterly
$27,285Volatile liabilities
$26,317Insider loans
$14,381FHLB advances
$26,218Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$2,709Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$2,366Restructured Loans and leases
$1,399Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$905Total interest income
$178Total interest expense
$727Net interest income
$50Provision for loan and lease losses
$82Total noninterest income
$0Fiduciary activities
$59Service charges on deposit accounts
$0Trading account gains & fees
$23Additional noninterest income
$597Total noninterest expense
$321Salaries and employee benefits
$86Premises and equipment expense
$190Additional noninterest expense
$162Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$162Income before extraordinary items
$0Extraordinary gains - net
$162Net income attributable to bank
$0Net charge-offs
$162Cash dividends
$80Sale, conversion, retirement of capital stock, net
$84Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.47%Yield on earning assets
0.68%Cost of funding earning assets
2.79%Net interest margin
0.31%Noninterest income to earning assets
2.29%Noninterest expense to earning assets
0.59%Net operating income to assets
0.59%Return on assets (ROA)
0.59%Pretax return on assets
5.98%Return on equity (ROE)
2.88%Retained earnings to average equity (YTD only)
0.71%Net charge-offs to loans
62.50%Credit loss provision to net charge-offs
2.65%Efficiency ratio
73,795Assets per employee
3.15%Cash dividends to net income (YTD only)
Condition Ratios (%)
51.85%Loss allowance to loans
1.01%Loss allowance to noncurrent loans
30.81%Noncurrent assets plus other real estate owned to assets
1.57%Noncurrent loans to loans
3.28%Net loans and leases to deposits
53.63%Net loans and leases to core deposits
56.55%Equity capital to assets
11.20%Core capital (leverage) ratio
10.33%Tier 1 risk-based capital ratio
18.84%Total risk-based capital ratio
Memoranda
$20Average assets
$27,285Average earning assets
$2,709Average equity
$26,069Average loans
List of branches
1 Illinois Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
1196
Fayette County Bank
320 North Main Street, St. Elmo, IL 62458
January 01, 1894
Full Service Brick and Mortar
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