FDIC Certificate #: 3834 Status: Active Federal Reserve ID: 122546 Bank Holding Company (Regulatory Top Holder): First Sandoval Bancorp, Inc. (RSSDID: 1139523, Location: Sandoval, IL) Date Established: June 01, 1910 WWW:http://www.fnbofsandoval.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 #: 2494 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: Yes Asset Concentration Hierarchy: All Other Specialization < 1 Billion 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: 302 North Main Street, Sandoval, IL 62882 County: Marion 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 Core Based Statistical Area (CBSA): Centralia, IL (#16460) CBSA Micro Statistical Area: Yes
History of Changes
Change in Location
Financial Summary
Total assets: $48.3 mil Equity capital: $4.4 mil Deposits held in domestic offices: $42.3 mil Return on assets (ROA): 0.79% ($0.4 mil) Quarterly return on assets: 1.04% ($0.5 mil) Return on Equity (ROE): 9.53% ($0.4 mil) Quarterly return on equity: 11.53% ($0.5 mil) Net income: $0.4 mil Quarterly Net income: $0.1 mil Pretax return on assets: 0.79% ($381.4 mil) Quarterly Pretax return on assets: 1.04% ($502.1 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
11Total employees (full-time equivalent)
$48,276Total assets
$2,441Cash and due from depository institutions
$121Interest-bearing balances
$18,221Securities
$4,300Federal funds sold & reverse repurchase agreements
$20,717Net loans & leases
$271Loan loss allowance
$0Trading account assets
$73Bank premises and fixed assets
$38Other real estate owned
$0Goodwill and other intangibles
$48,276Life insurance assets
$2,486All other assets
$43,890Total liabilities and capital
$42,291Total liabilities
$34,211Total deposits
$42,291Interest-bearing deposits
$95Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$1,500Trading liabilities
$0Other borrowed funds
$99Subordinated debt
$4,386All other liabilities
$4,386Total equity capital
$4,386Total bank equity capital
$0Perpetual preferred stock
$50Common stock
$200Surplus
$4,136Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$356Income earned, not collected on loans
$0Earning assets
$193Long-term assets (5+ years)
$43,359Average Assets, year-to-date
$17,953Average Assets, quarterly
$48,030Volatile liabilities
$48,219Insider loans
$22,197FHLB advances
$48,441Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$3,979Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$53Restructured Loans and leases
$100Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,209Total interest income
$811Total interest expense
$1,398Net interest income
$30Provision for loan and lease losses
$234Total noninterest income
$0Fiduciary activities
$117Service charges on deposit accounts
$0Trading account gains & fees
$117Additional noninterest income
$1,224Total noninterest expense
$612Salaries and employee benefits
$81Premises and equipment expense
$531Additional noninterest expense
$378Pre-tax net operating income
$1Securities gains (losses)
$0Applicable income taxes
$379Income before extraordinary items
$0Extraordinary gains - net
$379Net income attributable to bank
$0Net charge-offs
$379Cash dividends
$46Sale, conversion, retirement of capital stock, net
$112Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.14%Yield on earning assets
1.89%Cost of funding earning assets
3.25%Net interest margin
0.54%Noninterest income to earning assets
2.85%Noninterest expense to earning assets
0.79%Net operating income to assets
0.79%Return on assets (ROA)
0.79%Pretax return on assets
9.53%Return on equity (ROE)
6.71%Retained earnings to average equity (YTD only)
0.22%Net charge-offs to loans
65.22%Credit loss provision to net charge-offs
8.87%Efficiency ratio
75,000Assets per employee
4.39%Cash dividends to net income (YTD only)
Condition Ratios (%)
29.55%Loss allowance to loans
1.29%Loss allowance to noncurrent loans
76.12%Noncurrent assets plus other real estate owned to assets
0.82%Noncurrent loans to loans
1.70%Net loans and leases to deposits
48.99%Net loans and leases to core deposits
49.79%Equity capital to assets
9.09%Core capital (leverage) ratio
8.21%Tier 1 risk-based capital ratio
17.93%Total risk-based capital ratio
Memoranda
$19Average assets
$48,030Average earning assets
$3,977Average equity
$42,971Average loans
List of branches
1 Illinois Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
2494
The First National Bank Of Sandoval
302 North Main Street, Sandoval, IL 62882
June 01, 1910
Full Service Brick and Mortar
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