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

Community Bank of Easton - Overview

  • General
  • FDIC Certificate #: 18568
    Status: Active
    Federal Reserve ID: 958231
    Bank Holding Company (Regulatory Top Holder): Easton Bancshares, Inc. (RSSDID: 1417436, Location: Easton, IL)
    Date Established: August 01, 1962
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 12456
    Numeric code: 21
    Regulator: FDIC
    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: No
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: August 01, 1962
    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: Second And Main Streets, Easton, IL 62633
    County: Mason
    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
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $26.0 mil
    Equity capital: $4.0 mil
    Deposits held in domestic offices: $21.9 mil
    Return on assets (ROA): 1.13% ($0.3 mil)
    Quarterly return on assets: 0.90% ($0.2 mil)
    Return on Equity (ROE): 7.85% ($0.3 mil)
    Quarterly return on equity: 6.06% ($0.2 mil)
    Net income: $0.3 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.82% ($473.0 mil)
    Quarterly Pretax return on assets: 1.62% ($421.1 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
  • 4Total employees (full-time equivalent)
  • $25,991Total assets
  • $10,101Cash and due from depository institutions
  • $8,000Interest-bearing balances
  • $500Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $15,023Net loans & leases
  • $54Loan loss allowance
  • $0Trading account assets
  • $19Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $25,991Life insurance assets
  • $348All other assets
  • $21,965Total liabilities and capital
  • $21,929Total liabilities
  • $18,380Total deposits
  • $21,929Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $36Subordinated debt
  • $4,026All other liabilities
  • $4,026Total equity capital
  • $4,026Total bank equity capital
  • $0Perpetual preferred stock
  • $120Common stock
  • $880Surplus
  • $3,026Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $300Long-term assets (5+ years)
  • $23,523Average Assets, year-to-date
  • $68Average Assets, quarterly
  • $27,381Volatile liabilities
  • $27,127Insider loans
  • $14,351FHLB advances
  • $28,891Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $4,026Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $0Restructured Loans and leases
  • $797Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $917Total interest income
  • $173Total interest expense
  • $744Net interest income
  • $0Provision for loan and lease losses
  • $42Total noninterest income
  • $0Fiduciary activities
  • $38Service charges on deposit accounts
  • $0Trading account gains & fees
  • $4Additional noninterest income
  • $289Total noninterest expense
  • $202Salaries and employee benefits
  • $27Premises and equipment expense
  • $60Additional noninterest expense
  • $497Pre-tax net operating income
  • $0Securities gains (losses)
  • $187Applicable income taxes
  • $310Income before extraordinary items
  • $0Extraordinary gains - net
  • $310Net income attributable to bank
  • $0Net charge-offs
  • $310Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $110Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.94%Yield on earning assets
  • 0.74%Cost of funding earning assets
  • 3.19%Net interest margin
  • 0.18%Noninterest income to earning assets
  • 1.24%Noninterest expense to earning assets
  • 1.13%Net operating income to assets
  • 1.13%Return on assets (ROA)
  • 1.82%Pretax return on assets
  • 7.85%Return on equity (ROE)
  • 5.06%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 36,768Assets per employee
  • 6.50%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 35.48%Loss allowance to loans
  • 0.36%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 68.51%Net loans and leases to core deposits
  • 69.76%Equity capital to assets
  • 15.49%Core capital (leverage) ratio
  • 13.94%Tier 1 risk-based capital ratio
  • 28.05%Total risk-based capital ratio
  • Memoranda
  • $28Average assets
  • $27,381Average earning assets
  • $3,949Average equity
  • $23,295Average loans

List of branches

  • 1 Illinois Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    012456Community Bank Of EastonSecond And Main Streets, Easton, IL 62633August 01, 1962Full Service Brick and Mortar

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