FDIC Certificate #: 18445 Status: Active Federal Reserve ID: 644440 Bank Holding Company (Regulatory Top Holder): Franklin Bancshares, Inc (RSSDID: 2763804, Location: Franklin, IL) Date Established: January 01, 1934 WWW:http://www.franklinbank.net 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 #: 12345 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: Yes Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: October 09, 1961 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 West Street, Franklin, IL 62638 County: Morgan 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 Core Based Statistical Area (CBSA): Jacksonville, IL (#27300) CBSA Micro Statistical Area: Yes
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $40.4 mil Equity capital: $4.0 mil Deposits held in domestic offices: $36.2 mil Return on assets (ROA): 1.47% ($0.6 mil) Quarterly return on assets: 0.72% ($0.3 mil) Return on Equity (ROE): 14.54% ($0.6 mil) Quarterly return on equity: 6.88% ($0.3 mil) Net income: $0.5 mil Quarterly Net income: $0.1 mil Pretax return on assets: 1.47% ($593.5 mil) Quarterly Pretax return on assets: 0.72% ($290.7 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
7Total employees (full-time equivalent)
$40,374Total assets
$6,335Cash and due from depository institutions
$103Interest-bearing balances
$16,406Securities
$1,660Federal funds sold & reverse repurchase agreements
$15,037Net loans & leases
$193Loan loss allowance
$0Trading account assets
$78Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$40,374Life insurance assets
$858All other assets
$36,328Total liabilities and capital
$36,157Total liabilities
$27,085Total deposits
$36,157Interest-bearing deposits
$75Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$171Subordinated debt
$4,046All other liabilities
$4,046Total equity capital
$4,046Total bank equity capital
$0Perpetual preferred stock
$150Common stock
$600Surplus
$3,296Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$18Income earned, not collected on loans
$0Earning assets
$254Long-term assets (5+ years)
$33,206Average Assets, year-to-date
$16,381Average Assets, quarterly
$35,201Volatile liabilities
$38,404Insider loans
$19,318FHLB advances
$36,411Loans and leases held for sale
$463Unused loan commitments
$463Tier 1 (core) risk-based capital
$3,801Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$2,374Restructured Loans and leases
$394Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,434Total interest income
$235Total interest expense
$1,199Net interest income
$38Provision for loan and lease losses
$120Total noninterest income
$0Fiduciary activities
$61Service charges on deposit accounts
$0Trading account gains & fees
$59Additional noninterest income
$762Total noninterest expense
$459Salaries and employee benefits
$101Premises and equipment expense
$202Additional noninterest expense
$519Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$519Income before extraordinary items
$0Extraordinary gains - net
$519Net income attributable to bank
$0Net charge-offs
$519Cash dividends
$27Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.72%Yield on earning assets
0.77%Cost of funding earning assets
3.94%Net interest margin
0.39%Noninterest income to earning assets
2.51%Noninterest expense to earning assets
1.47%Net operating income to assets
1.47%Return on assets (ROA)
1.47%Pretax return on assets
14.54%Return on equity (ROE)
14.54%Retained earnings to average equity (YTD only)
0.17%Net charge-offs to loans
140.74%Credit loss provision to net charge-offs
20.63%Efficiency ratio
57,771Assets per employee
5.77%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.27%Loss allowance to noncurrent loans
1072.22%Noncurrent assets plus other real estate owned to assets
0.04%Noncurrent loans to loans
0.12%Net loans and leases to deposits
41.59%Net loans and leases to core deposits
49.11%Equity capital to assets
10.02%Core capital (leverage) ratio
10.44%Tier 1 risk-based capital ratio
19.68%Total risk-based capital ratio
Memoranda
$21Average assets
$35,201Average earning assets
$3,569Average equity
$30,401Average loans
List of branches
1 Illinois Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
12345
Franklin Bank
101 West Street, Franklin, IL 62638
January 01, 1934
Full Service Brick and Mortar
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