FDIC Certificate #: 3600 Status: Active Federal Reserve ID: 604033 Date Established: January 01, 1900 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: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 2290 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: No Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion 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: 141 North Chestnut Street, Assumption, IL 62510 County: Christian 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): Taylorville, IL (#45380) CBSA Micro Statistical Area: Yes
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $17.8 mil Equity capital: $2.2 mil Deposits held in domestic offices: $15.5 mil Return on assets (ROA): 0.64% ($0.1 mil) Quarterly return on assets: 0.47% ($0.1 mil) Return on Equity (ROE): 5.62% ($0.1 mil) Quarterly return on equity: 4.29% ($0.1 mil) Net income: $0.1 mil Quarterly Net income: $0.0 mil Pretax return on assets: 0.73% ($129.7 mil) Quarterly Pretax return on assets: 0.65% ($115.5 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
5Total employees (full-time equivalent)
$17,769Total assets
$2,966Cash and due from depository institutions
$2,089Interest-bearing balances
$8,151Securities
$0Federal funds sold & reverse repurchase agreements
$6,287Net loans & leases
$68Loan loss allowance
$0Trading account assets
$92Bank premises and fixed assets
$45Other real estate owned
$0Goodwill and other intangibles
$17,769Life insurance assets
$228All other assets
$15,609Total liabilities and capital
$15,514Total liabilities
$12,003Total deposits
$15,514Interest-bearing deposits
$94Deposits held in domestic offices
25.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$70Subordinated debt
$2,160All other liabilities
$2,160Total equity capital
$2,160Total bank equity capital
$0Perpetual preferred stock
$54Common stock
$246Surplus
$1,860Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$14Income earned, not collected on loans
$0Earning assets
$120Long-term assets (5+ years)
$16,527Average Assets, year-to-date
$5,313Average Assets, quarterly
$18,569Volatile liabilities
$19,692Insider loans
$7,905FHLB advances
$19,981Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$2,121Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$686Restructured Loans and leases
$170Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$737Total interest income
$99Total interest expense
$638Net interest income
$20Provision for loan and lease losses
$50Total noninterest income
$0Fiduciary activities
$23Service charges on deposit accounts
$0Trading account gains & fees
$27Additional noninterest income
$533Total noninterest expense
$286Salaries and employee benefits
$76Premises and equipment expense
$171Additional noninterest expense
$135Pre-tax net operating income
$0Securities gains (losses)
$16Applicable income taxes
$119Income before extraordinary items
$0Extraordinary gains - net
$119Net income attributable to bank
$0Net charge-offs
$119Cash dividends
$25Sale, conversion, retirement of capital stock, net
$108Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.23%Yield on earning assets
0.57%Cost of funding earning assets
3.66%Net interest margin
0.29%Noninterest income to earning assets
3.06%Noninterest expense to earning assets
0.64%Net operating income to assets
0.64%Return on assets (ROA)
0.73%Pretax return on assets
5.62%Return on equity (ROE)
0.52%Retained earnings to average equity (YTD only)
0.38%Net charge-offs to loans
80.00%Credit loss provision to net charge-offs
6.20%Efficiency ratio
77,471Assets per employee
3.55%Cash dividends to net income (YTD only)
Condition Ratios (%)
90.76%Loss allowance to loans
1.07%Loss allowance to noncurrent loans
485.71%Noncurrent assets plus other real estate owned to assets
0.33%Noncurrent loans to loans
0.22%Net loans and leases to deposits
40.52%Net loans and leases to core deposits
40.52%Equity capital to assets
12.16%Core capital (leverage) ratio
10.62%Tier 1 risk-based capital ratio
26.83%Total risk-based capital ratio
Memoranda
$28Average assets
$18,569Average earning assets
$2,117Average equity
$17,441Average loans
List of branches
1 Illinois Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
2290
The First National Bank Of Assumptio
141 North Chestnut Street, Assumption, IL 62510
January 01, 1900
Full Service Brick and Mortar
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