Bank of O'Fallon in O'fallon, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches


Bank of O'Fallon - Overview

  • General
  • FDIC Certificate #: 18171
    Status: Active
    Federal Reserve ID: 410748
    Bank Holding Company (Regulatory Top Holder): Security First Bancshares Inc (RSSDID: 3176661, Location: O'fallon, IL)
    Date Established: March 28, 1960
    WWW: http://www.bankofallon.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 12091
    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: March 28, 1960
    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: 901 South Lincoln Avenue, O'fallon, IL 62269
    County: St. Clair
    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
    Metropolitan Statistical Area (MSA): St. Louis, MO-IL (#7040)
    Combined Statistical Area (CSA): St. Louis-St. Charles-Farmington, MO-IL (#476)
    Core Based Statistical Area (CBSA): St. Louis, MO-IL (#41180)
    CBSA Metro Statistical Area: St. Louis, MO-IL (#41180)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $274.8 mil
    Equity capital: $37.7 mil
    Deposits held in domestic offices: $236.6 mil
    Return on assets (ROA): 1.06% ($2.9 mil)
    Quarterly return on assets: 0.65% ($1.8 mil)
    Return on Equity (ROE): 7.73% ($2.9 mil)
    Quarterly return on equity: 4.76% ($1.8 mil)
    Net income: $2.9 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.06% ($2,913.1 mil)
    Quarterly Pretax return on assets: 0.65% ($1,786.3 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
  • 32Total employees (full-time equivalent)
  • $274,817Total assets
  • $26,174Cash and due from depository institutions
  • $19,692Interest-bearing balances
  • $65,395Securities
  • $1,060Federal funds sold & reverse repurchase agreements
  • $177,568Net loans & leases
  • $2,759Loan loss allowance
  • $0Trading account assets
  • $2,306Bank premises and fixed assets
  • $35Other real estate owned
  • $0Goodwill and other intangibles
  • $274,817Life insurance assets
  • $2,279All other assets
  • $237,143Total liabilities and capital
  • $236,577Total liabilities
  • $211,714Total deposits
  • $236,577Interest-bearing deposits
  • $70Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $566Subordinated debt
  • $37,674All other liabilities
  • $37,674Total equity capital
  • $37,674Total bank equity capital
  • $0Perpetual preferred stock
  • $457Common stock
  • $11,583Surplus
  • $25,634Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,441Income earned, not collected on loans
  • $0Earning assets
  • $878Long-term assets (5+ years)
  • $263,715Average Assets, year-to-date
  • $59,280Average Assets, quarterly
  • $271,350Volatile liabilities
  • $275,180Insider loans
  • $143,529FHLB advances
  • $273,982Loans and leases held for sale
  • $972Unused loan commitments
  • $972Tier 1 (core) risk-based capital
  • $37,674Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $11,769Restructured Loans and leases
  • $395Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $9,893Total interest income
  • $2,876Total interest expense
  • $7,017Net interest income
  • $481Provision for loan and lease losses
  • $381Total noninterest income
  • $0Fiduciary activities
  • $245Service charges on deposit accounts
  • $0Trading account gains & fees
  • $136Additional noninterest income
  • $4,032Total noninterest expense
  • $2,223Salaries and employee benefits
  • $372Premises and equipment expense
  • $1,437Additional noninterest expense
  • $2,885Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $2,885Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,885Net income attributable to bank
  • $0Net charge-offs
  • $2,885Cash dividends
  • $598Sale, conversion, retirement of capital stock, net
  • $1,843Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.75%Yield on earning assets
  • 1.09%Cost of funding earning assets
  • 2.66%Net interest margin
  • 0.14%Noninterest income to earning assets
  • 1.53%Noninterest expense to earning assets
  • 1.06%Net operating income to assets
  • 1.06%Return on assets (ROA)
  • 1.06%Pretax return on assets
  • 7.73%Return on equity (ROE)
  • 2.79%Retained earnings to average equity (YTD only)
  • 0.33%Net charge-offs to loans
  • 80.43%Credit loss provision to net charge-offs
  • 5.63%Efficiency ratio
  • 54,501Assets per employee
  • 8.59%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 63.88%Loss allowance to loans
  • 1.53%Loss allowance to noncurrent loans
  • 80.18%Noncurrent assets plus other real estate owned to assets
  • 1.26%Noncurrent loans to loans
  • 1.91%Net loans and leases to deposits
  • 75.06%Net loans and leases to core deposits
  • 83.86%Equity capital to assets
  • 13.71%Core capital (leverage) ratio
  • 13.75%Tier 1 risk-based capital ratio
  • 26.25%Total risk-based capital ratio
  • Memoranda
  • $28Average assets
  • $271,350Average earning assets
  • $37,313Average equity
  • $263,500Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $76Managed Assets
  • 1Number of Accounts
  • $76Personal trust and agency accounts
  • $76Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 2Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 2 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    012091Bank Of O'fallon901 South Lincoln Avenue, O'fallon, IL 62269March 28, 1960Full Service Brick and Mortar
    1244118Drive-In FacilityLincoln And Virginia Avenues, O'fallon, IL 62269August 26, 1974Limited Service Facility

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