Athens State Bank in Athens, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

Athens State Bank - Overview

  • General
  • FDIC Certificate #: 9631
    Status: Active
    Federal Reserve ID: 924937
    Bank Holding Company (Regulatory Top Holder): Athens Bancorp, Inc. (RSSDID: 1406971, Location: Athens, IL)
    Date Established: May 18, 1910
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 6156
    Numeric code: 21
    Regulator: FDIC
    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: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: All Other Specialization < 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: 200 North West Street, Athens, IL 62613
    County: Menard
    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
    Metropolitan Statistical Area (MSA): Springfield, IL (#7880)
    Core Based Statistical Area (CBSA): Springfield, IL (#44100)
    CBSA Metro Statistical Area: Springfield, IL (#44100)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $120.4 mil
    Equity capital: $11.4 mil
    Deposits held in domestic offices: $108.2 mil
    Return on assets (ROA): 1.18% ($1.4 mil)
    Quarterly return on assets: 0.95% ($1.1 mil)
    Return on Equity (ROE): 12.21% ($1.3 mil)
    Quarterly return on equity: 9.79% ($1.1 mil)
    Net income: $1.3 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.20% ($1,444.3 mil)
    Quarterly Pretax return on assets: 0.96% ($1,155.5 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
  • 36Total employees (full-time equivalent)
  • $120,361Total assets
  • $15,778Cash and due from depository institutions
  • $9,428Interest-bearing balances
  • $27,829Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $70,443Net loans & leases
  • $631Loan loss allowance
  • $0Trading account assets
  • $3,435Bank premises and fixed assets
  • $0Other real estate owned
  • $191Goodwill and other intangibles
  • $120,361Life insurance assets
  • $2,685All other assets
  • $108,968Total liabilities and capital
  • $108,248Total liabilities
  • $94,678Total deposits
  • $108,248Interest-bearing deposits
  • $86Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $720Subordinated debt
  • $11,393All other liabilities
  • $11,393Total equity capital
  • $11,393Total bank equity capital
  • $0Perpetual preferred stock
  • $300Common stock
  • $575Surplus
  • $10,518Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $602Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $73Income earned, not collected on loans
  • $0Earning assets
  • $653Long-term assets (5+ years)
  • $107,700Average Assets, year-to-date
  • $25,636Average Assets, quarterly
  • $113,228Volatile liabilities
  • $118,392Insider loans
  • $66,916FHLB advances
  • $118,050Loans and leases held for sale
  • $1,629Unused loan commitments
  • $1,629Tier 1 (core) risk-based capital
  • $10,859Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,776Restructured Loans and leases
  • $721Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,871Total interest income
  • $938Total interest expense
  • $3,933Net interest income
  • $300Provision for loan and lease losses
  • $952Total noninterest income
  • $0Fiduciary activities
  • $206Service charges on deposit accounts
  • $0Trading account gains & fees
  • $746Additional noninterest income
  • $3,231Total noninterest expense
  • $1,920Salaries and employee benefits
  • $436Premises and equipment expense
  • $875Additional noninterest expense
  • $1,354Pre-tax net operating income
  • $4Securities gains (losses)
  • $20Applicable income taxes
  • $1,338Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,338Net income attributable to bank
  • $0Net charge-offs
  • $1,338Cash dividends
  • $117Sale, conversion, retirement of capital stock, net
  • $648Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.77%Yield on earning assets
  • 0.92%Cost of funding earning assets
  • 3.85%Net interest margin
  • 0.93%Noninterest income to earning assets
  • 3.16%Noninterest expense to earning assets
  • 1.18%Net operating income to assets
  • 1.18%Return on assets (ROA)
  • 1.20%Pretax return on assets
  • 12.21%Return on equity (ROE)
  • 6.30%Retained earnings to average equity (YTD only)
  • 0.17%Net charge-offs to loans
  • 256.41%Credit loss provision to net charge-offs
  • 14.14%Efficiency ratio
  • 66,141Assets per employee
  • 3.34%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 48.43%Loss allowance to loans
  • 0.89%Loss allowance to noncurrent loans
  • 864.38%Noncurrent assets plus other real estate owned to assets
  • 0.06%Noncurrent loans to loans
  • 0.10%Net loans and leases to deposits
  • 65.08%Net loans and leases to core deposits
  • 68.02%Equity capital to assets
  • 9.47%Core capital (leverage) ratio
  • 9.20%Tier 1 risk-based capital ratio
  • 16.23%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $113,228Average earning assets
  • $10,958Average equity
  • $102,139Average loans

List of branches

  • 4 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06156Athens State Bank200 North West Street, Athens, IL 62613May 18, 1910Full Service Brick and Mortar
    1220733Springfield BranchRoute 29 And Andrew Road, Springfield, IL 62707March 14, 1994Full Service Brick and Mortar
    2465463Petersburg Office Branch420 East Sangamon, Petersburg, IL 62675June 01, 2007Full Service Brick and Mortar
    3517806New Salem Highway 97 Branch14202 State Highway 97, Petersburg, IL 62675Febuary 22, 2011Full Service Brick and Mortar

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