FDIC Certificate #: 11300 Status: Active Federal Reserve ID: 332345 Date Established: December 28, 1920 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 #: 7214 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: January 01, 1934 Last Structure Change Effective Date: July 02, 2007 Last Structure Change Process Date: July 02, 2007 Last Data Update: July 02, 2007 Data Source Date: April 05, 2012
Location
Address: 86 North Weigh Street, Oakdale, IL 62268 County: Washington 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
Change in Location
Financial Summary
Total assets: $18.6 mil Equity capital: $1.6 mil Deposits held in domestic offices: $16.8 mil Return on assets (ROA): 0.88% ($0.2 mil) Quarterly return on assets: 1.10% ($0.2 mil) Return on Equity (ROE): 10.86% ($0.2 mil) Quarterly return on equity: 13.02% ($0.3 mil) Net income: $0.2 mil Quarterly Net income: $0.1 mil Pretax return on assets: 1.11% ($206.6 mil) Quarterly Pretax return on assets: 1.67% ($310.9 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
6Total employees (full-time equivalent)
$18,616Total assets
$1,028Cash and due from depository institutions
$503Interest-bearing balances
$4,400Securities
$189Federal funds sold & reverse repurchase agreements
$12,449Net loans & leases
$135Loan loss allowance
$0Trading account assets
$385Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$18,616Life insurance assets
$165All other assets
$16,999Total liabilities and capital
$16,797Total liabilities
$14,891Total deposits
$16,797Interest-bearing deposits
$99Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$202Subordinated debt
$1,617All other liabilities
$1,617Total equity capital
$1,617Total bank equity capital
$0Perpetual preferred stock
$100Common stock
$500Surplus
$1,017Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$109Income earned, not collected on loans
$0Earning assets
$101Long-term assets (5+ years)
$17,541Average Assets, year-to-date
$3,576Average Assets, quarterly
$19,091Volatile liabilities
$19,191Insider loans
$12,781FHLB advances
$19,175Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$1,531Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$505Restructured Loans and leases
$117Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$835Total interest income
$148Total interest expense
$687Net interest income
$6Provision for loan and lease losses
$77Total noninterest income
$0Fiduciary activities
$41Service charges on deposit accounts
$0Trading account gains & fees
$36Additional noninterest income
$547Total noninterest expense
$296Salaries and employee benefits
$76Premises and equipment expense
$175Additional noninterest expense
$211Pre-tax net operating income
$0Securities gains (losses)
$43Applicable income taxes
$168Income before extraordinary items
$0Extraordinary gains - net
$168Net income attributable to bank
$0Net charge-offs
$168Cash dividends
$1Sale, conversion, retirement of capital stock, net
$60Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.64%Yield on earning assets
0.82%Cost of funding earning assets
3.82%Net interest margin
0.43%Noninterest income to earning assets
3.04%Noninterest expense to earning assets
0.88%Net operating income to assets
0.88%Return on assets (ROA)
1.11%Pretax return on assets
10.86%Return on equity (ROE)
6.98%Retained earnings to average equity (YTD only)
0.01%Net charge-offs to loans
600.00%Credit loss provision to net charge-offs
217.00%Efficiency ratio
71,597Assets per employee
3.10%Cash dividends to net income (YTD only)
Condition Ratios (%)
35.71%Loss allowance to loans
1.07%Loss allowance to noncurrent loans
123.85%Noncurrent assets plus other real estate owned to assets
0.59%Noncurrent loans to loans
0.87%Net loans and leases to deposits
74.11%Net loans and leases to core deposits
76.86%Equity capital to assets
8.69%Core capital (leverage) ratio
7.98%Tier 1 risk-based capital ratio
11.98%Total risk-based capital ratio
Memoranda
$13Average assets
$19,091Average earning assets
$1,547Average equity
$17,979Average loans
List of branches
1 Illinois Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
7214
Oakdale State Bank
86 North Weigh Street, Oakdale, IL 62268
December 28, 1920
Full Service Brick and Mortar
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