FDIC Certificate #: 15873 Status: Active Federal Reserve ID: 895448 Bank Holding Company (Regulatory Top Holder): Milledgeville Bancorp, Inc. (RSSDID: 1143454, Location: Milledgeville, IL) Date Established: January 02, 1942 WWW:http://www.milledgevillebank.com Trust Powers Granted: Yes Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 10110 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: January 02, 1942 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: 451 North Main Street, Milledgeville, IL 61051 County: Carroll Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Chicago FDIC Field Office: Princeton 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: $84.8 mil Equity capital: $10.1 mil Deposits held in domestic offices: $68.9 mil Return on assets (ROA): 1.95% ($1.7 mil) Quarterly return on assets: 2.37% ($2.0 mil) Return on Equity (ROE): 17.23% ($1.7 mil) Quarterly return on equity: 19.81% ($2.0 mil) Net income: $1.6 mil Quarterly Net income: $0.5 mil Pretax return on assets: 1.98% ($1,679.2 mil) Quarterly Pretax return on assets: 2.46% ($2,086.2 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
13Total employees (full-time equivalent)
$84,806Total assets
$6,774Cash and due from depository institutions
$4,120Interest-bearing balances
$24,643Securities
$0Federal funds sold & reverse repurchase agreements
$49,996Net loans & leases
$557Loan loss allowance
$0Trading account assets
$444Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$84,806Life insurance assets
$2,949All other assets
$74,709Total liabilities and capital
$68,936Total liabilities
$60,472Total deposits
$68,936Interest-bearing deposits
$90Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$5,100Trading liabilities
$0Other borrowed funds
$673Subordinated debt
$10,097All other liabilities
$10,097Total equity capital
$10,097Total bank equity capital
$0Perpetual preferred stock
$400Common stock
$1,600Surplus
$8,097Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$47Income earned, not collected on loans
$0Earning assets
$835Long-term assets (5+ years)
$78,759Average Assets, year-to-date
$28,019Average Assets, quarterly
$79,908Volatile liabilities
$83,197Insider loans
$60,764FHLB advances
$83,028Loans and leases held for sale
$1,627Unused loan commitments
$1,627Tier 1 (core) risk-based capital
$8,741Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$9,458Restructured Loans and leases
$1,208Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$3,969Total interest income
$789Total interest expense
$3,180Net interest income
$296Provision for loan and lease losses
$280Total noninterest income
$1Fiduciary activities
$86Service charges on deposit accounts
$0Trading account gains & fees
$193Additional noninterest income
$1,584Total noninterest expense
$850Salaries and employee benefits
$132Premises and equipment expense
$602Additional noninterest expense
$1,580Pre-tax net operating income
$0Securities gains (losses)
$18Applicable income taxes
$1,562Income before extraordinary items
$0Extraordinary gains - net
$1,562Net income attributable to bank
$0Net charge-offs
$1,562Cash dividends
$237Sale, conversion, retirement of capital stock, net
$372Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.29%Yield on earning assets
1.05%Cost of funding earning assets
4.23%Net interest margin
0.37%Noninterest income to earning assets
2.11%Noninterest expense to earning assets
1.95%Net operating income to assets
1.95%Return on assets (ROA)
1.98%Pretax return on assets
17.23%Return on equity (ROE)
13.13%Retained earnings to average equity (YTD only)
0.49%Net charge-offs to loans
124.89%Credit loss provision to net charge-offs
7.92%Efficiency ratio
45,780Assets per employee
6.52%Cash dividends to net income (YTD only)
Condition Ratios (%)
23.82%Loss allowance to loans
1.10%Loss allowance to noncurrent loans
1185.11%Noncurrent assets plus other real estate owned to assets
0.06%Noncurrent loans to loans
0.09%Net loans and leases to deposits
72.53%Net loans and leases to core deposits
81.60%Equity capital to assets
11.91%Core capital (leverage) ratio
10.53%Tier 1 risk-based capital ratio
14.39%Total risk-based capital ratio
Memoranda
$15Average assets
$79,908Average earning assets
$9,067Average equity
$75,099Average 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
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