FDIC Certificate #: 15916 Status: Active Federal Reserve ID: 272245 Date Established: November 17, 1942 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 #: 10148 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: November 17, 1942 Last Structure Change Effective Date: June 15, 2006 Last Structure Change Process Date: June 15, 2006 Last Data Update: June 15, 2006 Data Source Date: April 05, 2012
Location
Address: 200 West Church Street, West Salem, IL 62476 County: Edwards 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
Financial Summary
Total assets: $17.9 mil Equity capital: $3.3 mil Deposits held in domestic offices: $14.6 mil Return on assets (ROA): 0.44% ($0.1 mil) Quarterly return on assets: 0.35% ($0.1 mil) Return on Equity (ROE): 2.19% ($0.1 mil) Quarterly return on equity: 1.82% ($0.1 mil) Net income: $0.1 mil Quarterly Net income: $0.0 mil Pretax return on assets: 0.50% ($89.3 mil) Quarterly Pretax return on assets: 0.28% ($50.0 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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)
$17,869Total assets
$3,217Cash and due from depository institutions
$2,450Interest-bearing balances
$7,999Securities
$953Federal funds sold & reverse repurchase agreements
$5,505Net loans & leases
$114Loan loss allowance
$0Trading account assets
$76Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$17,869Life insurance assets
$119All other assets
$14,602Total liabilities and capital
$14,559Total liabilities
$11,103Total deposits
$14,559Interest-bearing deposits
$92Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$43Subordinated debt
$3,267All other liabilities
$3,267Total equity capital
$3,267Total bank equity capital
$0Perpetual preferred stock
$600Common stock
$700Surplus
$1,967Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$4Income earned, not collected on loans
$0Earning assets
$93Long-term assets (5+ years)
$16,907Average Assets, year-to-date
$4,050Average Assets, quarterly
$16,516Volatile liabilities
$17,032Insider loans
$7,711FHLB advances
$17,258Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$3,267Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$591Restructured Loans and leases
$262Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$568Total interest income
$75Total interest expense
$493Net interest income
$3Provision for loan and lease losses
$74Total noninterest income
$0Fiduciary activities
$41Service charges on deposit accounts
$0Trading account gains & fees
$33Additional noninterest income
$482Total noninterest expense
$241Salaries and employee benefits
$50Premises and equipment expense
$191Additional noninterest expense
$82Pre-tax net operating income
$0Securities gains (losses)
$10Applicable income taxes
$72Income before extraordinary items
$0Extraordinary gains - net
$72Net income attributable to bank
$0Net charge-offs
$72Cash dividends
$0Sale, conversion, retirement of capital stock, net
$72Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.63%Yield on earning assets
0.48%Cost of funding earning assets
3.15%Net interest margin
0.47%Noninterest income to earning assets
3.08%Noninterest expense to earning assets
0.44%Net operating income to assets
0.44%Return on assets (ROA)
0.50%Pretax return on assets
2.19%Return on equity (ROE)
0.00%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
85,009Assets per employee
2.98%Cash dividends to net income (YTD only)
Condition Ratios (%)
100.00%Loss allowance to loans
2.03%Loss allowance to noncurrent loans
2850.00%Noncurrent assets plus other real estate owned to assets
0.02%Noncurrent loans to loans
0.07%Net loans and leases to deposits
37.81%Net loans and leases to core deposits
37.81%Equity capital to assets
18.28%Core capital (leverage) ratio
18.93%Tier 1 risk-based capital ratio
42.37%Total risk-based capital ratio
Memoranda
$44Average assets
$16,516Average earning assets
$3,288Average equity
$15,633Average loans
List of branches
1 Illinois Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
10148
First State Bank Of West Salem
200 West Church Street, West Salem, IL 62476
November 17, 1942
Full Service Brick and Mortar
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