FDIC Certificate #: 3761 Status: Active Federal Reserve ID: 858443 Bank Holding Company (Regulatory Top Holder): Headquarters Holding Company (RSSDID: 1134603, Location: Ava, IL) Date Established: January 01, 1917 WWW:http://www.fnbava.com 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) OTS Docket #: 13846 FDIC's unique #: 2425 Numeric code: 3 Regulator: OCC 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: No Subchapter S Corporations: No Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: June 01, 2010 Last Structure Change Process Date: June 01, 2010 Last Data Update: June 01, 2010 Data Source Date: April 05, 2012
Location
Address: 304 West Main Street, Ava, IL 62907 County: Jackson 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 Combined Statistical Area (CSA): Carbondale-Marion-Herrin, IL (#166) Core Based Statistical Area (CBSA): Carbondale, IL (#16060) CBSA Micro Statistical Area: Yes
History of Changes
Change in Location
Financial Summary
Total assets: $63.3 mil Equity capital: $7.7 mil Deposits held in domestic offices: $53.7 mil Return on assets (ROA): 1.40% ($0.9 mil) Quarterly return on assets: 1.15% ($0.7 mil) Return on Equity (ROE): 11.70% ($0.9 mil) Quarterly return on equity: 9.35% ($0.7 mil) Net income: $0.9 mil Quarterly Net income: $0.2 mil Pretax return on assets: 1.82% ($1,152.4 mil) Quarterly Pretax return on assets: 1.16% ($734.5 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
17Total employees (full-time equivalent)
$63,321Total assets
$1,101Cash and due from depository institutions
$25Interest-bearing balances
$29,450Securities
$0Federal funds sold & reverse repurchase agreements
$31,052Net loans & leases
$606Loan loss allowance
$0Trading account assets
$483Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$63,321Life insurance assets
$1,235All other assets
$55,626Total liabilities and capital
$53,699Total liabilities
$47,339Total deposits
$53,699Interest-bearing deposits
$100Deposits held in domestic offices
1284.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$643Subordinated debt
$7,695All other liabilities
$7,695Total equity capital
$7,695Total bank equity capital
$0Perpetual preferred stock
$100Common stock
$100Surplus
$7,495Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$543Long-term assets (5+ years)
$60,527Average Assets, year-to-date
$27,400Average Assets, quarterly
$60,693Volatile liabilities
$62,511Insider loans
$37,764FHLB advances
$63,069Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$7,152Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$2,055Restructured Loans and leases
$257Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$3,178Total interest income
$748Total interest expense
$2,430Net interest income
$20Provision for loan and lease losses
$207Total noninterest income
$0Fiduciary activities
$71Service charges on deposit accounts
$0Trading account gains & fees
$136Additional noninterest income
$1,545Total noninterest expense
$903Salaries and employee benefits
$136Premises and equipment expense
$506Additional noninterest expense
$1,072Pre-tax net operating income
$32Securities gains (losses)
$253Applicable income taxes
$851Income before extraordinary items
$0Extraordinary gains - net
$851Net income attributable to bank
$0Net charge-offs
$851Cash dividends
-$6Sale, conversion, retirement of capital stock, net
$391Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.49%Yield on earning assets
1.29%Cost of funding earning assets
4.20%Net interest margin
0.36%Noninterest income to earning assets
2.67%Noninterest expense to earning assets
1.36%Net operating income to assets
1.40%Return on assets (ROA)
1.82%Pretax return on assets
11.70%Return on equity (ROE)
6.33%Retained earnings to average equity (YTD only)
-0.02%Net charge-offs to loans
-333.33%Credit loss provision to net charge-offs
0.00%Efficiency ratio
58,589Assets per employee
3.72%Cash dividends to net income (YTD only)
Condition Ratios (%)
45.95%Loss allowance to loans
1.91%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
57.83%Net loans and leases to core deposits
57.83%Equity capital to assets
12.15%Core capital (leverage) ratio
11.34%Tier 1 risk-based capital ratio
18.94%Total risk-based capital ratio
Memoranda
$20Average assets
$60,693Average earning assets
$7,271Average equity
$57,873Average loans
List of branches
1 Illinois Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
2425
The First National Bank Of Ava
304 West Main Street, Ava, IL 62907
January 01, 1917
Full Service Brick and Mortar
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