Bluestem National Bank in Fairbury, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

Bluestem National Bank - Overview

  • General
  • FDIC Certificate #: 9077
    Status: Active
    Federal Reserve ID: 548838
    Bank Holding Company (Regulatory Top Holder): Bluestem Financial Corp. (RSSDID: 1427369, Location: Fairbury, IL)
    Date Established: November 01, 1918
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 5811
    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: 104 East Locust Street, Fairbury, IL 61739
    County: Livingston
    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
    Core Based Statistical Area (CBSA): Pontiac, IL (#38700)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $93.0 mil
    Equity capital: $14.5 mil
    Deposits held in domestic offices: $77.8 mil
    Return on assets (ROA): 0.57% ($0.5 mil)
    Quarterly return on assets: 0.74% ($0.7 mil)
    Return on Equity (ROE): 3.74% ($0.5 mil)
    Quarterly return on equity: 4.73% ($0.7 mil)
    Net income: $0.5 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.70% ($651.1 mil)
    Quarterly Pretax return on assets: 0.66% ($613.9 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
  • 25Total employees (full-time equivalent)
  • $93,021Total assets
  • $10,100Cash and due from depository institutions
  • $100Interest-bearing balances
  • $43,406Securities
  • $1,015Federal funds sold & reverse repurchase agreements
  • $36,926Net loans & leases
  • $285Loan loss allowance
  • $0Trading account assets
  • $515Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $93,021Life insurance assets
  • $1,059All other assets
  • $78,522Total liabilities and capital
  • $77,835Total liabilities
  • $63,275Total deposits
  • $77,835Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $687Subordinated debt
  • $14,499All other liabilities
  • $14,499Total equity capital
  • $14,499Total bank equity capital
  • $0Perpetual preferred stock
  • $500Common stock
  • $1,500Surplus
  • $12,499Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $985Income earned, not collected on loans
  • $0Earning assets
  • $711Long-term assets (5+ years)
  • $81,447Average Assets, year-to-date
  • $32,365Average Assets, quarterly
  • $91,813Volatile liabilities
  • $92,523Insider loans
  • $53,555FHLB advances
  • $92,879Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $13,792Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $7,810Restructured Loans and leases
  • $1,092Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,756Total interest income
  • $306Total interest expense
  • $2,450Net interest income
  • $55Provision for loan and lease losses
  • $454Total noninterest income
  • $146Fiduciary activities
  • $169Service charges on deposit accounts
  • $0Trading account gains & fees
  • $139Additional noninterest income
  • $2,301Total noninterest expense
  • $1,337Salaries and employee benefits
  • $225Premises and equipment expense
  • $739Additional noninterest expense
  • $548Pre-tax net operating income
  • $92Securities gains (losses)
  • $114Applicable income taxes
  • $526Income before extraordinary items
  • $0Extraordinary gains - net
  • $526Net income attributable to bank
  • $0Net charge-offs
  • $526Cash dividends
  • $54Sale, conversion, retirement of capital stock, net
  • $265Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.43%Yield on earning assets
  • 0.38%Cost of funding earning assets
  • 3.05%Net interest margin
  • 0.57%Noninterest income to earning assets
  • 2.87%Noninterest expense to earning assets
  • 0.49%Net operating income to assets
  • 0.57%Return on assets (ROA)
  • 0.70%Pretax return on assets
  • 3.74%Return on equity (ROE)
  • 1.86%Retained earnings to average equity (YTD only)
  • 0.16%Net charge-offs to loans
  • 101.85%Credit loss provision to net charge-offs
  • 11.17%Efficiency ratio
  • 79,236Assets per employee
  • 3.72%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 50.38%Loss allowance to loans
  • 0.77%Loss allowance to noncurrent loans
  • 28.93%Noncurrent assets plus other real estate owned to assets
  • 1.06%Noncurrent loans to loans
  • 2.65%Net loans and leases to deposits
  • 47.44%Net loans and leases to core deposits
  • 47.62%Equity capital to assets
  • 15.59%Core capital (leverage) ratio
  • 14.85%Tier 1 risk-based capital ratio
  • 25.75%Total risk-based capital ratio
  • Memoranda
  • $26Average assets
  • $91,813Average earning assets
  • $14,053Average equity
  • $80,272Average 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
  • $31,455Managed Assets
  • 1Number of Accounts
  • $16,557Personal trust and agency accounts
  • $16,557Employee 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
  • 70Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $14,898Other retirement accounts
  • $13,492Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $1,406Fiduciary accounts held in foreign offices

List of branches

  • 3 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    05811Bluestem National Bank104 East Locust Street, Fairbury, IL 61739November 01, 1918Full Service Brick and Mortar
    1219389Drive-Up Facility101 East Oak Street, Fairbury, IL 61739October 14, 1980Limited Service Facility
    2278839Forrest Branch500 South Center Street, Forrest, IL 61741May 22, 1941Full Service Brick and Mortar

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