FDIC Certificate #: 3770 Status: Active Federal Reserve ID: 207041 Bank Holding Company (Regulatory Top Holder): First Brownstown Bancorp, Inc (RSSDID: 2199083, Location: Brownstown, IL) Date Established: June 01, 1913 WWW:http://www.fnbbrownstown.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) FDIC's unique #: 2434 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: 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: 108 East Main Street, Brownstown, IL 62418 County: Fayette 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
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $33.6 mil Equity capital: $3.4 mil Deposits held in domestic offices: $29.1 mil Return on assets (ROA): 0.38% ($0.1 mil) Quarterly return on assets: 0.47% ($0.2 mil) Return on Equity (ROE): 3.84% ($0.1 mil) Quarterly return on equity: 4.64% ($0.1 mil) Net income: $0.1 mil Quarterly Net income: $0.0 mil Pretax return on assets: 0.41% ($137.6 mil) Quarterly Pretax return on assets: 0.52% ($174.6 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
8Total employees (full-time equivalent)
$33,568Total assets
$4,904Cash and due from depository institutions
$3,049Interest-bearing balances
$11,452Securities
$0Federal funds sold & reverse repurchase agreements
$15,848Net loans & leases
$318Loan loss allowance
$0Trading account assets
$359Bank premises and fixed assets
$40Other real estate owned
$0Goodwill and other intangibles
$33,568Life insurance assets
$965All other assets
$30,215Total liabilities and capital
$29,076Total liabilities
$25,611Total deposits
$29,076Interest-bearing deposits
$92Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$832Trading liabilities
$0Other borrowed funds
$307Subordinated debt
$3,353All other liabilities
$3,353Total equity capital
$3,353Total bank equity capital
$0Perpetual preferred stock
$140Common stock
$224Surplus
$2,989Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$311Income earned, not collected on loans
$0Earning assets
$194Long-term assets (5+ years)
$30,349Average Assets, year-to-date
$5,782Average Assets, quarterly
$32,614Volatile liabilities
$33,339Insider loans
$18,687FHLB advances
$33,534Loans and leases held for sale
$649Unused loan commitments
$649Tier 1 (core) risk-based capital
$3,121Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$883Restructured Loans and leases
$212Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,229Total interest income
$344Total interest expense
$885Net interest income
$110Provision for loan and lease losses
$273Total noninterest income
$0Fiduciary activities
$196Service charges on deposit accounts
$0Trading account gains & fees
$77Additional noninterest income
$914Total noninterest expense
$402Salaries and employee benefits
$127Premises and equipment expense
$385Additional noninterest expense
$134Pre-tax net operating income
$1Securities gains (losses)
$10Applicable income taxes
$125Income before extraordinary items
$0Extraordinary gains - net
$125Net income attributable to bank
$0Net charge-offs
$125Cash dividends
$133Sale, conversion, retirement of capital stock, net
$28Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.23%Yield on earning assets
1.19%Cost of funding earning assets
3.05%Net interest margin
0.94%Noninterest income to earning assets
3.15%Noninterest expense to earning assets
0.38%Net operating income to assets
0.38%Return on assets (ROA)
0.41%Pretax return on assets
3.84%Return on equity (ROE)
2.98%Retained earnings to average equity (YTD only)
0.89%Net charge-offs to loans
82.71%Credit loss provision to net charge-offs
1.83%Efficiency ratio
78,929Assets per employee
4.20%Cash dividends to net income (YTD only)
Condition Ratios (%)
22.40%Loss allowance to loans
1.97%Loss allowance to noncurrent loans
102.25%Noncurrent assets plus other real estate owned to assets
1.05%Noncurrent loans to loans
1.92%Net loans and leases to deposits
54.51%Net loans and leases to core deposits
55.74%Equity capital to assets
9.99%Core capital (leverage) ratio
9.31%Tier 1 risk-based capital ratio
16.70%Total risk-based capital ratio
Memoranda
$18Average assets
$32,614Average earning assets
$3,256Average equity
$29,026Average loans
List of branches
1 Illinois Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
2434
The First National Bank Of Brownstow
108 East Main Street, Brownstown, IL 62418
June 01, 1913
Full Service Brick and Mortar
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