Farmers State Bank of Western Illinois in city_name, state_name

Farmers State Bank of Western Illinois in Alpha, Illinois (IL)
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Farmers State Bank of Western Illinois routing number info

Farmers State Bank of Western Illinois - Overview

General
FDIC Certificate #: 11680
Status: Active
Federal Reserve ID: 653433
Bank Holding Company (Regulatory Top Holder): Alpha Banco, Inc. (RSSDID: 1205192, Location: Alpha, IL)
Date Established: December 01, 1910
WWW: http://www.fsbwil.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 6 (Domestic: 6, Interstate: No)
OTS Docket #: 15539
FDIC's unique #: 7465
Numeric code: 13
Regulator: FED
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 31, 2006
Last Structure Change Process Date: November 03, 2006
Last Data Update: November 03, 2006
Data Source Date: April 05, 2012
Location
Address: 124 West D Street, Alpha, IL 61413
County: Henry
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
Metropolitan Statistical Area (MSA): Davenport-Moline-Rock Island, IA-IL (#1960)
Core Based Statistical Area (CBSA): Davenport-Moline-Rock Island, IA-IL (#19340)
CBSA Metro Statistical Area: Davenport-Moline-Rock Island, IA-IL (#19340)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $123.8 mil
Equity capital: $15.0 mil
Deposits held in domestic offices: $106.7 mil
Return on assets (ROA): 1.29% ($1.6 mil)
Quarterly return on assets: 0.89% ($1.1 mil)
Return on Equity (ROE): 10.73% ($1.6 mil)
Quarterly return on equity: 7.41% ($1.1 mil)
Net income: $1.6 mil
Quarterly Net income: $0.3 mil
Pretax return on assets: 1.31% ($1,621.9 mil)
Quarterly Pretax return on assets: 0.95% ($1,176.2 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
50Total employees (full-time equivalent)
$123,809Total assets
$4,643Cash and due from depository institutions
$2,299Interest-bearing balances
$37,204Securities
$2,410Federal funds sold & reverse repurchase agreements
$71,523Net loans & leases
$540Loan loss allowance
$0Trading account assets
$1,090Bank premises and fixed assets
$75Other real estate owned
$0Goodwill and other intangibles
$123,809Life insurance assets
$6,864All other assets
$108,770Total liabilities and capital
$106,728Total liabilities
$87,433Total deposits
$106,728Interest-bearing deposits
$84Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$2,042Subordinated debt
$15,039All other liabilities
$15,039Total equity capital
$15,039Total bank equity capital
$0Perpetual preferred stock
$240Common stock
$2,260Surplus
$12,539Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,214Income earned, not collected on loans
$0Earning assets
$1,119Long-term assets (5+ years)
$113,436Average Assets, year-to-date
$43,902Average Assets, quarterly
$120,773Volatile liabilities
$124,055Insider loans
$87,025FHLB advances
$124,965Loans and leases held for sale
$4,887Unused loan commitments
$4,887Tier 1 (core) risk-based capital
$14,572Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$11,364Restructured Loans and leases
$1,865Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$5,280Total interest income
$816Total interest expense
$4,464Net interest income
$240Provision for loan and lease losses
$700Total noninterest income
$0Fiduciary activities
$425Service charges on deposit accounts
$0Trading account gains & fees
$275Additional noninterest income
$3,374Total noninterest expense
$2,164Salaries and employee benefits
$337Premises and equipment expense
$873Additional noninterest expense
$1,550Pre-tax net operating income
$34Securities gains (losses)
$26Applicable income taxes
$1,558Income before extraordinary items
$0Extraordinary gains - net
$1,558Net income attributable to bank
$0Net charge-offs
$1,558Cash dividends
$176Sale, conversion, retirement of capital stock, net
$875Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.82%Yield on earning assets
0.74%Cost of funding earning assets
4.07%Net interest margin
0.64%Noninterest income to earning assets
3.08%Noninterest expense to earning assets
1.26%Net operating income to assets
1.29%Return on assets (ROA)
1.31%Pretax return on assets
10.73%Return on equity (ROE)
4.70%Retained earnings to average equity (YTD only)
0.25%Net charge-offs to loans
136.36%Credit loss provision to net charge-offs
10.17%Efficiency ratio
65,337Assets per employee
2.48%Cash dividends to net income (YTD only)
Condition Ratios (%)
56.16%Loss allowance to loans
0.75%Loss allowance to noncurrent loans
44.48%Noncurrent assets plus other real estate owned to assets
1.04%Noncurrent loans to loans
1.68%Net loans and leases to deposits
67.01%Net loans and leases to core deposits
71.94%Equity capital to assets
12.15%Core capital (leverage) ratio
11.66%Tier 1 risk-based capital ratio
16.74%Total risk-based capital ratio
Memoranda
$17Average assets
$120,773Average earning assets
$14,518Average equity
$109,624Average loans

List of branches

6 Illinois Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	7465	Farmers State Bank Of Western Illino	124 West D Street, Alpha, IL 61413	December 01, 1910	Full Service Brick and Mortar
2	10942	Viola Facility	1803 13th St, Viola, IL 61486	October 01, 1949	Full Service Brick and Mortar
3	225460	New Windsor Branch	600 Main Street, New Windsor, IL 61465	May 14, 1988	Full Service Brick and Mortar
4	7238	Alexis Branch	205 East Broadway, Alexis, IL 61412	October 16, 1887	Full Service Brick and Mortar
5	225461	Woodhull Branch	320 North Division, Woodhull, IL 61490	October 15, 1992	Full Service Brick and Mortar
6	225462	Aledo Branch	201 South College Avenue, Aledo, IL 61231	March 30, 1995	Full Service Brick and Mortar

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

Farmers State Bank of Western Illinois - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

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

Farmers State Bank of Western Illinois - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

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