First National Bank of Steeleville in city_name, state_name

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

First National Bank of Steeleville - Overview

General
FDIC Certificate #: 1049
Status: Active
Federal Reserve ID: 129349
Bank Holding Company (Regulatory Top Holder): Steeleville Bancshares, Inc. (RSSDID: 1099627, Location: Steeleville, IL)
Date Established: November 01, 1902
WWW: http://www.bankatfnb.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 3 (Domestic: 3, Interstate: No)
FDIC's unique #: 701
Numeric code: 3
Regulator: OCC
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: No
Subchapter S Corporations: Yes
Asset Concentration Hierarchy: Mortgage Lending 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: 319 West Broadway, Steeleville, IL 62288
County: Randolph
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: $206.0 mil
Equity capital: $24.8 mil
Deposits held in domestic offices: $153.9 mil
Return on assets (ROA): 1.25% ($2.6 mil)
Quarterly return on assets: 1.73% ($3.6 mil)
Return on Equity (ROE): 10.68% ($2.7 mil)
Quarterly return on equity: 14.19% ($3.5 mil)
Net income: $2.6 mil
Quarterly Net income: $0.9 mil
Pretax return on assets: 1.27% ($2,615.7 mil)
Quarterly Pretax return on assets: 1.76% ($3,624.9 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
41Total employees (full-time equivalent)
$205,962Total assets
$5,431Cash and due from depository institutions
$0Interest-bearing balances
$104,888Securities
$2,213Federal funds sold & reverse repurchase agreements
$86,211Net loans & leases
$1,256Loan loss allowance
$0Trading account assets
$739Bank premises and fixed assets
$208Other real estate owned
$0Goodwill and other intangibles
$205,962Life insurance assets
$6,272All other assets
$181,127Total liabilities and capital
$153,876Total liabilities
$141,840Total deposits
$153,876Interest-bearing deposits
$90Deposits held in domestic offices
25990.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$1,261Subordinated debt
$24,835All other liabilities
$24,835Total equity capital
$24,835Total bank equity capital
$0Perpetual preferred stock
$140Common stock
$2,500Surplus
$22,195Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,504Income earned, not collected on loans
$0Earning assets
$915Long-term assets (5+ years)
$193,312Average Assets, year-to-date
$42,682Average Assets, quarterly
$206,900Volatile liabilities
$206,650Insider loans
$106,614FHLB advances
$206,544Loans and leases held for sale
$4,707Unused loan commitments
$4,707Tier 1 (core) risk-based capital
$21,803Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$7,153Restructured Loans and leases
$667Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$8,167Total interest income
$2,419Total interest expense
$5,748Net interest income
$208Provision for loan and lease losses
$1,063Total noninterest income
$0Fiduciary activities
$641Service charges on deposit accounts
$0Trading account gains & fees
$422Additional noninterest income
$4,148Total noninterest expense
$2,585Salaries and employee benefits
$501Premises and equipment expense
$1,062Additional noninterest expense
$2,455Pre-tax net operating income
$166Securities gains (losses)
$36Applicable income taxes
$2,585Income before extraordinary items
$0Extraordinary gains - net
$2,585Net income attributable to bank
$0Net charge-offs
$2,585Cash dividends
$47Sale, conversion, retirement of capital stock, net
$1,497Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.21%Yield on earning assets
1.25%Cost of funding earning assets
2.96%Net interest margin
0.55%Noninterest income to earning assets
2.14%Noninterest expense to earning assets
1.17%Net operating income to assets
1.25%Return on assets (ROA)
1.27%Pretax return on assets
10.68%Return on equity (ROE)
4.49%Retained earnings to average equity (YTD only)
0.06%Net charge-offs to loans
442.55%Credit loss provision to net charge-offs
56.66%Efficiency ratio
60,901Assets per employee
5.02%Cash dividends to net income (YTD only)
Condition Ratios (%)
57.91%Loss allowance to loans
1.44%Loss allowance to noncurrent loans
83.51%Noncurrent assets plus other real estate owned to assets
0.83%Noncurrent loans to loans
1.72%Net loans and leases to deposits
56.03%Net loans and leases to core deposits
60.70%Equity capital to assets
12.06%Core capital (leverage) ratio
10.56%Tier 1 risk-based capital ratio
20.45%Total risk-based capital ratio
Memoranda
$22Average assets
$206,900Average earning assets
$24,207Average equity
$194,171Average loans

List of branches

3 Illinois Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	701	First National Bank Of Steeleville	319 West Broadway, Steeleville, IL 62288	November 01, 1902	Full Service Brick and Mortar
1	187789	Percy Banking Center	306 West Pine Street, Percy, IL 62272	November 23, 1987	Full Service Brick and Mortar
2	356914	Sparta Banking Center	143 West Broadway, Sparta, IL 62286	October 28, 1999	Full Service Brick and Mortar

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

First National Bank of Steeleville - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

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

First National Bank of Steeleville - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

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