Farmers & Merchants Bank of Hutsonville in Hutsonville, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches


Farmers & Merchants Bank of Hutsonville - Overview

  • General
  • FDIC Certificate #: 10469
    Status: Active
    Federal Reserve ID: 724940
    Bank Holding Company (Regulatory Top Holder): Hutsonville Banc Corp. (RSSDID: 1096390, Location: Hutsonville, IL)
    Date Established: December 20, 1920
    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 #: 6697
    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: Other Specialized Lending < 1 Billion
    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: 108 S Main St, Hutsonville, IL 62433
    County: Crawford
    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
  • History of Changes
  • Change in Location
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $41.4 mil
    Equity capital: $6.2 mil
    Deposits held in domestic offices: $32.0 mil
    Return on assets (ROA): 0.68% ($0.3 mil)
    Quarterly return on assets: -0.17% (-$0.1 mil)
    Return on Equity (ROE): 4.48% ($0.3 mil)
    Quarterly return on equity: -1.14% (-$0.1 mil)
    Net income: $0.3 mil
    Quarterly Net income: -$0.0 mil
    Pretax return on assets: 0.68% ($281.8 mil)
    Quarterly Pretax return on assets: -0.17% (-$70.5 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
  • 6Total employees (full-time equivalent)
  • $41,443Total assets
  • $22,202Cash and due from depository institutions
  • $21,578Interest-bearing balances
  • $3,573Securities
  • $551Federal funds sold & reverse repurchase agreements
  • $12,921Net loans & leases
  • $84Loan loss allowance
  • $0Trading account assets
  • $21Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $41,443Life insurance assets
  • $2,175All other assets
  • $35,200Total liabilities and capital
  • $31,964Total liabilities
  • $29,115Total deposits
  • $31,964Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 3203.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $33Subordinated debt
  • $6,243All other liabilities
  • $6,243Total equity capital
  • $6,243Total bank equity capital
  • $0Perpetual preferred stock
  • $150Common stock
  • $1,850Surplus
  • $4,243Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1Income earned, not collected on loans
  • $0Earning assets
  • $100Long-term assets (5+ years)
  • $38,623Average Assets, year-to-date
  • $3,643Average Assets, quarterly
  • $41,131Volatile liabilities
  • $41,636Insider loans
  • $13,536FHLB advances
  • $42,885Loans and leases held for sale
  • $2,015Unused loan commitments
  • $2,015Tier 1 (core) risk-based capital
  • $6,243Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $842Restructured Loans and leases
  • $108Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,120Total interest income
  • $445Total interest expense
  • $675Net interest income
  • $0Provision for loan and lease losses
  • $108Total noninterest income
  • $0Fiduciary activities
  • $21Service charges on deposit accounts
  • $0Trading account gains & fees
  • $87Additional noninterest income
  • $515Total noninterest expense
  • $328Salaries and employee benefits
  • $23Premises and equipment expense
  • $164Additional noninterest expense
  • $268Pre-tax net operating income
  • $10Securities gains (losses)
  • $0Applicable income taxes
  • $278Income before extraordinary items
  • $0Extraordinary gains - net
  • $278Net income attributable to bank
  • $0Net charge-offs
  • $278Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $95Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 2.92%Yield on earning assets
  • 1.16%Cost of funding earning assets
  • 1.76%Net interest margin
  • 0.28%Noninterest income to earning assets
  • 1.34%Noninterest expense to earning assets
  • 0.65%Net operating income to assets
  • 0.68%Return on assets (ROA)
  • 0.68%Pretax return on assets
  • 4.48%Return on equity (ROE)
  • 2.95%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
  • 65,773Assets per employee
  • 6.91%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 34.17%Loss allowance to loans
  • 0.65%Loss allowance to noncurrent loans
  • 8400.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.01%Net loans and leases to deposits
  • 40.42%Net loans and leases to core deposits
  • 43.47%Equity capital to assets
  • 15.06%Core capital (leverage) ratio
  • 14.56%Tier 1 risk-based capital ratio
  • 46.12%Total risk-based capital ratio
  • Memoranda
  • $47Average assets
  • $41,131Average earning assets
  • $6,206Average equity
  • $38,357Average loans

List of branches

  • 1 Illinois Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06697Farmers & Merchants Bank Of Hutsonvi108 S Main St, Hutsonville, IL 62433December 20, 1920Full Service Brick and Mortar

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