Bank of Rantoul in Rantoul, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

Bank of Rantoul - Overview

  • General
  • FDIC Certificate #: 11711
    Status: Active
    Federal Reserve ID: 37949
    Bank Holding Company (Regulatory Top Holder): Bancorp Of Rantoul, Inc. (RSSDID: 1138526, Location: Rantoul, IL)
    Date Established: November 25, 1920
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 9874
    FDIC's unique #: 7488
    Numeric code: 13
    Regulator: FED
    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: Yes
    Subchapter S Corporations: Yes
    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: 201 East Champaign, Rantoul, IL 61866
    County: Champaign
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Champaign
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Champaign-Urbana, IL (#1400)
    Core Based Statistical Area (CBSA): Champaign-Urbana, IL (#16580)
    CBSA Metro Statistical Area: Champaign-Urbana, IL (#16580)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $214.0 mil
    Equity capital: $21.1 mil
    Deposits held in domestic offices: $173.4 mil
    Return on assets (ROA): 2.38% ($5.1 mil)
    Quarterly return on assets: 2.27% ($4.9 mil)
    Return on Equity (ROE): 26.61% ($5.6 mil)
    Quarterly return on equity: 23.57% ($4.9 mil)
    Net income: $4.9 mil
    Quarterly Net income: $1.2 mil
    Pretax return on assets: 2.38% ($5,092.7 mil)
    Quarterly Pretax return on assets: 2.27% ($4,857.4 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
  • 41Total employees (full-time equivalent)
  • $213,981Total assets
  • $3,587Cash and due from depository institutions
  • $542Interest-bearing balances
  • $96,187Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $103,491Net loans & leases
  • $1,744Loan loss allowance
  • $0Trading account assets
  • $833Bank premises and fixed assets
  • $38Other real estate owned
  • $443Goodwill and other intangibles
  • $213,981Life insurance assets
  • $9,402All other assets
  • $192,833Total liabilities and capital
  • $173,354Total liabilities
  • $155,974Total deposits
  • $173,354Interest-bearing deposits
  • $82Deposits held in domestic offices
  • 15961.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $3,255Trading liabilities
  • $0Other borrowed funds
  • $263Subordinated debt
  • $21,148All other liabilities
  • $21,148Total equity capital
  • $21,148Total bank equity capital
  • $0Perpetual preferred stock
  • $660Common stock
  • $7,936Surplus
  • $12,552Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $868Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $208Income earned, not collected on loans
  • $0Earning assets
  • $2,209Long-term assets (5+ years)
  • $200,220Average Assets, year-to-date
  • $80,817Average Assets, quarterly
  • $206,851Volatile liabilities
  • $212,391Insider loans
  • $128,787FHLB advances
  • $208,644Loans and leases held for sale
  • $5,568Unused loan commitments
  • $3,249Tier 1 (core) risk-based capital
  • $19,311Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $2,319Total unused commitments
  • $20,793Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $9,626Total interest income
  • $1,302Total interest expense
  • $8,324Net interest income
  • $400Provision for loan and lease losses
  • $836Total noninterest income
  • $22Fiduciary activities
  • $288Service charges on deposit accounts
  • $0Trading account gains & fees
  • $526Additional noninterest income
  • $3,652Total noninterest expense
  • $2,206Salaries and employee benefits
  • $347Premises and equipment expense
  • $1,099Additional noninterest expense
  • $5,108Pre-tax net operating income
  • -$177Securities gains (losses)
  • $0Applicable income taxes
  • $4,931Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,931Net income attributable to bank
  • $0Net charge-offs
  • $4,931Cash dividends
  • $571Sale, conversion, retirement of capital stock, net
  • $2,800Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.97%Yield on earning assets
  • 0.67%Cost of funding earning assets
  • 4.30%Net interest margin
  • 0.43%Noninterest income to earning assets
  • 1.89%Noninterest expense to earning assets
  • 2.47%Net operating income to assets
  • 2.38%Return on assets (ROA)
  • 2.38%Pretax return on assets
  • 26.61%Return on equity (ROE)
  • 11.50%Retained earnings to average equity (YTD only)
  • 0.55%Net charge-offs to loans
  • 70.05%Credit loss provision to net charge-offs
  • 9.65%Efficiency ratio
  • 39,869Assets per employee
  • 5.22%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 56.78%Loss allowance to loans
  • 1.66%Loss allowance to noncurrent loans
  • 838.46%Noncurrent assets plus other real estate owned to assets
  • 0.11%Noncurrent loans to loans
  • 0.20%Net loans and leases to deposits
  • 59.70%Net loans and leases to core deposits
  • 69.18%Equity capital to assets
  • 9.88%Core capital (leverage) ratio
  • 9.26%Tier 1 risk-based capital ratio
  • 14.99%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $206,851Average earning assets
  • $18,532Average equity
  • $193,696Average 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
  • $5,357Managed Assets
  • 1Number of Accounts
  • $1,573Personal trust and agency accounts
  • $1,573Employee 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
  • 23Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $3,784Other retirement accounts
  • $0Corporate trust and agency accounts
  • $2,959Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 3 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07488Bank Of Rantoul201 East Champaign, Rantoul, IL 61866November 25, 1920Full Service Brick and Mortar
    1225476Rantoul Facility1295 East Grove Street, Rantoul, IL 61866November 16, 1982Full Service Brick and Mortar
    22402Rossville Branch111 North Chicago, Rossville, IL 60963June 01, 1900Full Service Brick and Mortar

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