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


Farmers State Bank of Sublette - Overview

  • General
  • FDIC Certificate #: 5731
    Status: Active
    Federal Reserve ID: 458049
    Bank Holding Company (Regulatory Top Holder): Fsb Corp. (RSSDID: 2342272, Location: Sublette, IL)
    Date Established: January 01, 1920
    WWW: http://www.sublettebank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 3906
    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: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 30, 2007
    Last Structure Change Process Date: March 30, 2007
    Last Data Update: March 30, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 303 South Pennsylvania Avenue, Sublette, IL 61367
    County: Lee
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Princeton
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Core Based Statistical Area (CBSA): Dixon, IL (#19940)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Trust Powers
  • Financial Summary
  • Total assets: $45.7 mil
    Equity capital: $4.3 mil
    Deposits held in domestic offices: $39.8 mil
    Return on assets (ROA): -0.18% (-$0.1 mil)
    Quarterly return on assets: 0.54% ($0.2 mil)
    Return on Equity (ROE): -2.08% (-$0.1 mil)
    Quarterly return on equity: 5.86% ($0.2 mil)
    Net income: -$0.1 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: -0.18% (-$82.3 mil)
    Quarterly Pretax return on assets: 0.54% ($246.9 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
  • 10Total employees (full-time equivalent)
  • $45,723Total assets
  • $2,170Cash and due from depository institutions
  • $0Interest-bearing balances
  • $20,039Securities
  • $360Federal funds sold & reverse repurchase agreements
  • $20,536Net loans & leases
  • $777Loan loss allowance
  • $0Trading account assets
  • $449Bank premises and fixed assets
  • $591Other real estate owned
  • $0Goodwill and other intangibles
  • $45,723Life insurance assets
  • $1,578All other assets
  • $41,448Total liabilities and capital
  • $39,816Total liabilities
  • $35,168Total deposits
  • $39,816Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 1095.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $537Subordinated debt
  • $4,275All other liabilities
  • $4,275Total equity capital
  • $4,275Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $1,000Surplus
  • $3,075Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $167Income earned, not collected on loans
  • $0Earning assets
  • $281Long-term assets (5+ years)
  • $40,935Average Assets, year-to-date
  • $23,139Average Assets, quarterly
  • $48,963Volatile liabilities
  • $46,589Insider loans
  • $25,677FHLB advances
  • $47,127Loans and leases held for sale
  • $1,102Unused loan commitments
  • $1,102Tier 1 (core) risk-based capital
  • $4,154Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,890Restructured Loans and leases
  • $161Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,934Total interest income
  • $467Total interest expense
  • $1,467Net interest income
  • $380Provision for loan and lease losses
  • $169Total noninterest income
  • $0Fiduciary activities
  • $48Service charges on deposit accounts
  • $0Trading account gains & fees
  • $121Additional noninterest income
  • $1,420Total noninterest expense
  • $588Salaries and employee benefits
  • $152Premises and equipment expense
  • $680Additional noninterest expense
  • -$164Pre-tax net operating income
  • $76Securities gains (losses)
  • $0Applicable income taxes
  • -$88Income before extraordinary items
  • $0Extraordinary gains - net
  • -$88Net income attributable to bank
  • $0Net charge-offs
  • -$88Cash dividends
  • $119Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.33%Yield on earning assets
  • 1.05%Cost of funding earning assets
  • 3.29%Net interest margin
  • 0.38%Noninterest income to earning assets
  • 3.18%Noninterest expense to earning assets
  • -0.33%Net operating income to assets
  • -0.18%Return on assets (ROA)
  • -0.18%Pretax return on assets
  • -2.08%Return on equity (ROE)
  • -2.08%Retained earnings to average equity (YTD only)
  • 0.51%Net charge-offs to loans
  • 319.33%Credit loss provision to net charge-offs
  • 1.82%Efficiency ratio
  • 86,797Assets per employee
  • 4.57%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.65%Loss allowance to noncurrent loans
  • 465.27%Noncurrent assets plus other real estate owned to assets
  • 1.66%Noncurrent loans to loans
  • 0.78%Net loans and leases to deposits
  • 51.58%Net loans and leases to core deposits
  • 54.68%Equity capital to assets
  • 9.35%Core capital (leverage) ratio
  • 8.81%Tier 1 risk-based capital ratio
  • 16.18%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $48,963Average earning assets
  • $4,235Average equity
  • $44,657Average loans

Total Fiduciary and Related Assets (December 31, 2005)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $262Managed Assets
  • 1Number of Accounts
  • $258Personal trust and agency accounts
  • $258Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 7Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $4Other retirement accounts
  • $4Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 2 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03906Farmers State Bank Of Sublette303 South Pennsylvania Avenue, Sublette, IL 61367January 01, 1920Full Service Brick and Mortar
    1208073Woodhaven Banking Center Facility3 E Woodhaven Drive, Sublette, IL 61367May 21, 1983Full Service Brick and Mortar

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