Overview, Financial Summary, Detailed Financial Reports, Branches


  • General
  • FDIC Certificate #: 15763
    Status: Active
    Federal Reserve ID: 330248
    Bank Holding Company (Regulatory Top Holder): First Nokomis Bancorp, Inc. (RSSDID: 1248809, Location: Nokomis, IL)
    Date Established: September 03, 1940
    Trust Powers Granted: No
    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)
    OTS Docket #: 15425
    FDIC's unique #: 10011
    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: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: September 03, 1940
    Last Structure Change Effective Date: July 31, 2006
    Last Structure Change Process Date: October 12, 2006
    Last Data Update: October 12, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 122 West State Street, Nokomis, IL 62075
    County: Montgomery
    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
  • Office Purchased
  • Financial Summary
  • Total assets: $146.9 mil
    Equity capital: $16.9 mil
    Deposits held in domestic offices: $129.1 mil
    Return on assets (ROA): 1.53% ($2.2 mil)
    Quarterly return on assets: 1.61% ($2.4 mil)
    Return on Equity (ROE): 13.11% ($2.2 mil)
    Quarterly return on equity: 13.77% ($2.3 mil)
    Net income: $2.2 mil
    Quarterly Net income: $0.6 mil
    Pretax return on assets: 1.55% ($2,276.8 mil)
    Quarterly Pretax return on assets: 1.63% ($2,394.3 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
  • 36Total employees (full-time equivalent)
  • $146,890Total assets
  • $14,392Cash and due from depository institutions
  • $7,508Interest-bearing balances
  • $43,860Securities
  • $1,129Federal funds sold & reverse repurchase agreements
  • $80,228Net loans & leases
  • $908Loan loss allowance
  • $0Trading account assets
  • $1,611Bank premises and fixed assets
  • $0Other real estate owned
  • $1,212Goodwill and other intangibles
  • $146,890Life insurance assets
  • $4,458All other assets
  • $129,997Total liabilities and capital
  • $129,056Total liabilities
  • $108,025Total deposits
  • $129,056Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $136Trading liabilities
  • $0Other borrowed funds
  • $805Subordinated debt
  • $16,893All other liabilities
  • $16,893Total equity capital
  • $16,893Total bank equity capital
  • $0Perpetual preferred stock
  • $1,300Common stock
  • $4,150Surplus
  • $11,443Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $381Income earned, not collected on loans
  • $0Earning assets
  • $1,122Long-term assets (5+ years)
  • $132,725Average Assets, year-to-date
  • $48,434Average Assets, quarterly
  • $142,003Volatile liabilities
  • $146,907Insider loans
  • $85,767FHLB advances
  • $143,910Loans and leases held for sale
  • $2,437Unused loan commitments
  • $2,437Tier 1 (core) risk-based capital
  • $14,783Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $9,754Restructured Loans and leases
  • $423Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,045Total interest income
  • $1,216Total interest expense
  • $4,829Net interest income
  • $118Provision for loan and lease losses
  • $568Total noninterest income
  • $0Fiduciary activities
  • $346Service charges on deposit accounts
  • $0Trading account gains & fees
  • $222Additional noninterest income
  • $3,113Total noninterest expense
  • $1,910Salaries and employee benefits
  • $281Premises and equipment expense
  • $922Additional noninterest expense
  • $2,166Pre-tax net operating income
  • $31Securities gains (losses)
  • $27Applicable income taxes
  • $2,170Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,170Net income attributable to bank
  • $0Net charge-offs
  • $2,170Cash dividends
  • -$16Sale, conversion, retirement of capital stock, net
  • $1,530Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.66%Yield on earning assets
  • 0.94%Cost of funding earning assets
  • 3.72%Net interest margin
  • 0.44%Noninterest income to earning assets
  • 2.40%Noninterest expense to earning assets
  • 1.51%Net operating income to assets
  • 1.53%Return on assets (ROA)
  • 1.55%Pretax return on assets
  • 13.11%Return on equity (ROE)
  • 3.87%Retained earnings to average equity (YTD only)
  • -0.02%Net charge-offs to loans
  • -737.50%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 55,772Assets per employee
  • 4.08%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 70.51%Loss allowance to loans
  • 1.12%Loss allowance to noncurrent loans
  • 238.32%Noncurrent assets plus other real estate owned to assets
  • 0.26%Noncurrent loans to loans
  • 0.47%Net loans and leases to deposits
  • 62.17%Net loans and leases to core deposits
  • 65.17%Equity capital to assets
  • 11.50%Core capital (leverage) ratio
  • 10.27%Tier 1 risk-based capital ratio
  • 17.24%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $142,003Average earning assets
  • $16,551Average equity
  • $129,729Average loans

List of branches

  • 3 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    010011First National Bank Of Nokomis122 West State Street, Nokomis, IL 62075September 03, 1940Full Service Brick and Mortar
    11207Ayars Moweaqua Branch106 North Main Street, Moweaqua, IL 62550January 01, 1920Full Service Brick and Mortar
    2243355Arthur Branch120 West Progress Street, Arthur, IL 61911October 21, 1996Full Service Brick and Mortar

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