First National Bank in Olney in city_name, state_name - Detailed Financial Reports, Location

First National Bank in Olney in Olney, Illinois (IL)
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First National Bank in Olney routing number info

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First National Bank in Olney - Overview

General
FDIC Certificate #: 14567
Status: Active
Federal Reserve ID: 412845
Bank Holding Company (Regulatory Top Holder): Summit Bancshares, Ltd. (RSSDID: 2267937, Location: Olney, IL)
Date Established: July 09, 1934
WWW: http://www.fnbolney.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 7 (Domestic: 7, Interstate: No)
OTS Docket #: 15650
FDIC's unique #: 9102
Numeric code: 3
Regulator: OCC
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: No
Subchapter S Corporations: No
Asset Concentration Hierarchy: Agricultural Specialization
Date of Deposit Insurance: July 09, 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: 101 East Main Street, Olney, IL 62450
County: Richland
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: $306.4 mil
Equity capital: $28.2 mil
Deposits held in domestic offices: $269.1 mil
Return on assets (ROA): 1.01% ($3.1 mil)
Quarterly return on assets: 0.97% ($3.0 mil)
Return on Equity (ROE): 11.25% ($3.1 mil)
Quarterly return on equity: 10.66% ($3.0 mil)
Net income: $3.1 mil
Quarterly Net income: $0.8 mil
Pretax return on assets: 1.50% ($4,596.0 mil)
Quarterly Pretax return on assets: 1.43% ($4,381.5 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
73Total employees (full-time equivalent)
$306,399Total assets
$8,031Cash and due from depository institutions
$1,070Interest-bearing balances
$127,356Securities
$0Federal funds sold & reverse repurchase agreements
$160,160Net loans & leases
$1,743Loan loss allowance
$0Trading account assets
$2,578Bank premises and fixed assets
$24Other real estate owned
$4,889Goodwill and other intangibles
$306,400Life insurance assets
$3,361All other assets
$278,197Total liabilities and capital
$269,061Total liabilities
$223,105Total deposits
$269,061Interest-bearing deposits
$88Deposits held in domestic offices
6411.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$2,725Subordinated debt
$28,203All other liabilities
$28,203Total equity capital
$28,203Total bank equity capital
$0Perpetual preferred stock
$1,600Common stock
$5,391Surplus
$21,212Undivided profits
Memoranda
$0Noncurrent loans and leases
$228Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,208Income earned, not collected on loans
$166Earning assets
$2,262Long-term assets (5+ years)
$288,586Average Assets, year-to-date
$94,140Average Assets, quarterly
$302,965Volatile liabilities
$313,144Insider loans
$167,582FHLB advances
$309,145Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$21,479Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$22,566Restructured Loans and leases
$625Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$11,643Total interest income
$2,459Total interest expense
$9,184Net interest income
$0Provision for loan and lease losses
$1,301Total noninterest income
$211Fiduciary activities
$443Service charges on deposit accounts
$0Trading account gains & fees
$647Additional noninterest income
$6,312Total noninterest expense
$3,945Salaries and employee benefits
$502Premises and equipment expense
$1,865Additional noninterest expense
$4,173Pre-tax net operating income
$367Securities gains (losses)
$1,478Applicable income taxes
$3,062Income before extraordinary items
$0Extraordinary gains - net
$3,062Net income attributable to bank
$0Net charge-offs
$3,062Cash dividends
$61Sale, conversion, retirement of capital stock, net
$1,568Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.06%Yield on earning assets
0.86%Cost of funding earning assets
3.20%Net interest margin
0.45%Noninterest income to earning assets
2.20%Noninterest expense to earning assets
0.93%Net operating income to assets
1.01%Return on assets (ROA)
1.50%Pretax return on assets
11.25%Return on equity (ROE)
5.49%Retained earnings to average equity (YTD only)
0.04%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
68.41%Efficiency ratio
60,191Assets per employee
4.20%Cash dividends to net income (YTD only)
Condition Ratios (%)
51.21%Loss allowance to loans
1.08%Loss allowance to noncurrent loans
144.29%Noncurrent assets plus other real estate owned to assets
0.40%Noncurrent loans to loans
0.75%Net loans and leases to deposits
59.53%Net loans and leases to core deposits
62.15%Equity capital to assets
9.20%Core capital (leverage) ratio
6.95%Tier 1 risk-based capital ratio
12.82%Total risk-based capital ratio
Memoranda
$14Average assets
$302,965Average earning assets
$27,207Average equity
$286,997Average 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
$25,262Managed Assets
1Number of Accounts
$22,934Personal trust and agency accounts
$11,022Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$1,191Corporate trust and agency accounts
$0Investment management agency accounts
$2,171Other fiduciary accounts
$8,550Fiduciary accounts held in foreign offices
$0Non-managed Assets
54Number of Accounts
$0Personal trust and agency accounts
$1,191Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$2,328Other retirement accounts
$172Corporate trust and agency accounts
$187Other fiduciary accounts
$0Fiduciary accounts held in foreign offices

List of branches

7 Illinois Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	9102	First National Bank In Olney	101 East Main Street, Olney, IL 62450	July 09, 1934	Full Service Brick and Mortar
1	231741	Olney Drive-In Facility	400 South Whittle Avenue, Olney, IL 62450	November 22, 1976	Limited Service Facility
2	231742	Drive-In, Route 130 North Facility	215 North West Street, Olney, IL 62450	April 01, 1981	Full Service Brick and Mortar
3	231743	Noble Facility	100 East North Avenue, Noble, IL 62868	July 22, 1982	Limited Service Facility
4	7235	Ingraham Branch	2567 Ingraham Lane, Ingraham, IL 62434	January 01, 1921	Full Service Brick and Mortar
6	2484	Oblong Branch	203 West Main Street, Oblong, IL 62449	January 01, 1907	Full Service Brick and Mortar
7	201965	Robinson Branch	1719 West Main Street, Robinson, IL 62454	March 30, 1992	Full Service Brick and Mortar

First National Bank in Olney in Olney, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

First National Bank in Olney - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

First National Bank in Olney in Olney, Illinois (IL)Overview, Financial Summary, Detailed Financial Reports, Branches

First National Bank in Olney - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

First National Bank in Olney in Olney, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches