Farmers State Bank of Fulton County in Lewistown, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of December 10, 2011

  • Farmers State Bank of Fulton County in Lewistown, Illinois (IL)
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Farmers State Bank of Fulton County - Overview

  • General
  • FDIC Certificate #: 23866
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Prairie State Bank and Trust (#27362)
    Federal Reserve ID: 357834
    Date Established: June 25, 1982
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Interstate: No)
    FDIC's unique #: 16674
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: June 25, 1982
    Last Structure Change Effective Date: December 10, 2011
    Last Structure Change Process Date: December 20, 2011
    Last Data Update: December 20, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 105 West Lncoln Street, Lewistown, IL 61542
    County: Fulton
    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
    Combined Statistical Area (CSA): Peoria-Canton, IL (#426)
    Core Based Statistical Area (CBSA): Canton, IL (#15900)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $62.4 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, 2010)

  • Dollar figures in thousands
  • 14Total employees (full-time equivalent)
  • $63,320Total assets
  • $9,074Cash and due from depository institutions
  • $2,285Interest-bearing balances
  • $17,919Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $35,178Net loans & leases
  • $480Loan loss allowance
  • $0Trading account assets
  • $191Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $958All other assets
  • $63,320Total liabilities and capital
  • $56,557Total liabilities
  • $56,396Total deposits
  • $47,669Interest-bearing deposits
  • $56,396Deposits held in domestic offices
  • 84.41%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $100Other borrowed funds
  • $0Subordinated debt
  • $61All other liabilities
  • $6,763Total equity capital
  • $6,763Total bank equity capital
  • $6,763Perpetual preferred stock
  • $0Common stock
  • $600Surplus
  • $1,400Undivided profits
  • Memoranda
  • $4,763Noncurrent loans and leases
  • $1,796Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $106Earning assets
  • $0Long-term assets (5+ years)
  • $596Average Assets, year-to-date
  • $55,382Average Assets, quarterly
  • $6,263Volatile liabilities
  • $62,659Insider loans
  • $63,552FHLB advances
  • $4,190Loans and leases held for sale
  • $100Unused loan commitments
  • $100Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $144Total risk weighted assets
  • $1,796Total unused commitments
  • $0Restructured Loans and leases
  • $470Derivatives

Income and Expense (December 31, 2010)

  • Dollar figures in thousands
  • $2,672Total interest income
  • $680Total interest expense
  • $1,992Net interest income
  • $3Provision for loan and lease losses
  • $257Total noninterest income
  • $0Fiduciary activities
  • $144Service charges on deposit accounts
  • $0Trading account gains & fees
  • $113Additional noninterest income
  • $1,145Total noninterest expense
  • $622Salaries and employee benefits
  • $82Premises and equipment expense
  • $441Additional noninterest expense
  • $1,101Pre-tax net operating income
  • $0Securities gains (losses)
  • $11Applicable income taxes
  • $1,090Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,090Net income attributable to bank
  • $0Net charge-offs
  • $1,090Cash dividends
  • $13Sale, conversion, retirement of capital stock, net
  • $1,004Net operating income

Performance and Condition Ratios (December 31, 2010)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.69%Yield on earning assets
  • 1.19%Cost of funding earning assets
  • 3.49%Net interest margin
  • 0.45%Noninterest income to earning assets
  • 2.01%Noninterest expense to earning assets
  • 1.74%Net operating income to assets
  • 1.74%Return on assets (ROA)
  • 1.76%Pretax return on assets
  • 16.43%Return on equity (ROE)
  • 1.30%Retained earnings to average equity (YTD only)
  • 0.04%Net charge-offs to loans
  • 23.08%Credit loss provision to net charge-offs
  • 84.92%Efficiency ratio
  • 50,912Assets per employee
  • 4.52%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 92.11%Loss allowance to loans
  • 1.35%Loss allowance to noncurrent loans
  • 452.83%Noncurrent assets plus other real estate owned to assets
  • 0.17%Noncurrent loans to loans
  • 0.30%Net loans and leases to deposits
  • 62.38%Net loans and leases to core deposits
  • 67.38%Equity capital to assets
  • 10.68%Core capital (leverage) ratio
  • 10.62%Tier 1 risk-based capital ratio
  • 18.05%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $62,659Average earning assets
  • $6,633Average equity
  • $57,020Average loans

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