FDIC Certificate #: 3826 Status: Active Federal Reserve ID: 333940 Date Established: June 26, 1920 WWW:http://www.fnbokaw.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 #: 15548 FDIC's unique #: 2486 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: 203 East Walnut Street, Okawville, IL 62271 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
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $54.0 mil Equity capital: $6.1 mil Deposits held in domestic offices: $47.2 mil Return on assets (ROA): 0.73% ($0.4 mil) Quarterly return on assets: 0.62% ($0.3 mil) Return on Equity (ROE): 6.45% ($0.4 mil) Quarterly return on equity: 5.38% ($0.3 mil) Net income: $0.4 mil Quarterly Net income: $0.1 mil Pretax return on assets: 0.64% ($345.9 mil) Quarterly Pretax return on assets: 0.41% ($221.6 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
15Total employees (full-time equivalent)
$54,050Total assets
$3,927Cash and due from depository institutions
$1,506Interest-bearing balances
$28,049Securities
$0Federal funds sold & reverse repurchase agreements
$20,394Net loans & leases
$127Loan loss allowance
$0Trading account assets
$334Bank premises and fixed assets
$681Other real estate owned
$0Goodwill and other intangibles
$54,050Life insurance assets
$665All other assets
$47,948Total liabilities and capital
$47,217Total liabilities
$35,615Total deposits
$47,217Interest-bearing deposits
$89Deposits held in domestic offices
574.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$157Subordinated debt
$6,102All other liabilities
$6,102Total equity capital
$6,102Total bank equity capital
$0Perpetual preferred stock
$200Common stock
$200Surplus
$5,702Undivided 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
$364Long-term assets (5+ years)
$49,949Average Assets, year-to-date
$20,979Average Assets, quarterly
$53,217Volatile liabilities
$52,706Insider loans
$30,996FHLB advances
$52,619Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$6,038Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$5,132Restructured Loans and leases
$2,213Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,011Total interest income
$537Total interest expense
$1,474Net interest income
$0Provision for loan and lease losses
$103Total noninterest income
$0Fiduciary activities
$72Service charges on deposit accounts
$0Trading account gains & fees
$31Additional noninterest income
$1,311Total noninterest expense
$775Salaries and employee benefits
$168Premises and equipment expense
$368Additional noninterest expense
$266Pre-tax net operating income
$73Securities gains (losses)
-$47Applicable income taxes
$386Income before extraordinary items
$0Extraordinary gains - net
$386Net income attributable to bank
$0Net charge-offs
$386Cash dividends
$23Sale, conversion, retirement of capital stock, net
$166Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.06%Yield on earning assets
1.08%Cost of funding earning assets
2.97%Net interest margin
0.21%Noninterest income to earning assets
2.65%Noninterest expense to earning assets
0.59%Net operating income to assets
0.73%Return on assets (ROA)
0.64%Pretax return on assets
6.45%Return on equity (ROE)
3.68%Retained earnings to average equity (YTD only)
0.11%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
11.57%Efficiency ratio
83,133Assets per employee
3.60%Cash dividends to net income (YTD only)
Condition Ratios (%)
43.01%Loss allowance to loans
0.62%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
1.26%Noncurrent loans to loans
0.00%Net loans and leases to deposits
43.19%Net loans and leases to core deposits
43.47%Equity capital to assets
11.29%Core capital (leverage) ratio
11.47%Tier 1 risk-based capital ratio
19.48%Total risk-based capital ratio
Memoranda
$20Average assets
$53,217Average earning assets
$5,983Average equity
$49,564Average loans
List of branches
1 Illinois Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
2486
The First National Bank Of Okawville
203 East Walnut Street, Okawville, IL 62271
June 26, 1920
Full Service Brick and Mortar
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