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


Farmers State Bank of Medora - Overview

  • General
  • FDIC Certificate #: 13902
    Status: Active
    Federal Reserve ID: 295646
    Date Established: September 09, 1912
    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 #: 8694
    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: Febuary 17, 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: Main And Washington Streets, Medora, IL 62063
    County: Macoupin
    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): St. Louis-St. Charles-Farmington, MO-IL (#476)
    Core Based Statistical Area (CBSA): St. Louis, MO-IL (#41180)
    CBSA Metro Statistical Area: St. Louis, MO-IL (#41180)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $20.4 mil
    Equity capital: $3.4 mil
    Deposits held in domestic offices: $16.7 mil
    Return on assets (ROA): 0.68% ($0.1 mil)
    Quarterly return on assets: 0.04% ($0.0 mil)
    Return on Equity (ROE): 4.01% ($0.1 mil)
    Quarterly return on equity: 0.23% ($0.0 mil)
    Net income: $0.1 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.68% ($138.6 mil)
    Quarterly Pretax return on assets: 0.04% ($8.2 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)
  • $20,389Total assets
  • $2,494Cash and due from depository institutions
  • $2,333Interest-bearing balances
  • $11,911Securities
  • $395Federal funds sold & reverse repurchase agreements
  • $5,183Net loans & leases
  • $59Loan loss allowance
  • $0Trading account assets
  • $189Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $20,389Life insurance assets
  • $217All other assets
  • $16,957Total liabilities and capital
  • $16,656Total liabilities
  • $12,484Total deposits
  • $16,656Interest-bearing deposits
  • $100Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $301Subordinated debt
  • $3,432All other liabilities
  • $3,432Total equity capital
  • $3,432Total bank equity capital
  • $0Perpetual preferred stock
  • $75Common stock
  • $625Surplus
  • $2,732Undivided 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
  • $187Long-term assets (5+ years)
  • $19,822Average Assets, year-to-date
  • $8,686Average Assets, quarterly
  • $19,316Volatile liabilities
  • $19,870Insider loans
  • $8,951FHLB advances
  • $19,284Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $3,052Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $20Restructured Loans and leases
  • $709Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $755Total interest income
  • $165Total interest expense
  • $590Net interest income
  • $0Provision for loan and lease losses
  • $5Total noninterest income
  • $0Fiduciary activities
  • $5Service charges on deposit accounts
  • $0Trading account gains & fees
  • $0Additional noninterest income
  • $475Total noninterest expense
  • $302Salaries and employee benefits
  • $74Premises and equipment expense
  • $99Additional noninterest expense
  • $120Pre-tax net operating income
  • $11Securities gains (losses)
  • $0Applicable income taxes
  • $131Income before extraordinary items
  • $0Extraordinary gains - net
  • $131Net income attributable to bank
  • $0Net charge-offs
  • $131Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $56Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.30%Yield on earning assets
  • 0.94%Cost of funding earning assets
  • 3.36%Net interest margin
  • 0.03%Noninterest income to earning assets
  • 2.70%Noninterest expense to earning assets
  • 0.62%Net operating income to assets
  • 0.68%Return on assets (ROA)
  • 0.68%Pretax return on assets
  • 4.01%Return on equity (ROE)
  • 2.29%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
  • 79,832Assets per employee
  • 5.10%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 42.75%Loss allowance to loans
  • 1.13%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
  • 31.12%Net loans and leases to core deposits
  • 31.12%Equity capital to assets
  • 16.83%Core capital (leverage) ratio
  • 15.83%Tier 1 risk-based capital ratio
  • 34.10%Total risk-based capital ratio
  • Memoranda
  • $35Average assets
  • $19,316Average earning assets
  • $3,271Average equity
  • $17,578Average loans

List of branches

  • 1 Illinois Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08694Farmers State Bank Of MedoraMain And Washington Streets, Medora, IL 62063September 09, 1912Full Service Brick and Mortar

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