Farmers' and Traders' State Bank in Shabbona, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches


Farmers' and Traders' State Bank - Overview

  • General
  • FDIC Certificate #: 9257
    Status: Active
    Federal Reserve ID: 522043
    Bank Holding Company (Regulatory Top Holder): Farmers & Traders Bancshares, Inc. (RSSDID: 2125541, Location: Shabbona, IL)
    Date Established: August 05, 1905
    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 #: 5918
    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 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 203 West Commanche Street, Shabbona, IL 60550
    County: Dekalb
    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): Chicago, IL (#1600)
    Consolidated Metropolitan Statistical Area (CMSA): Chicago-Gary-Kenosha, IL-IN-WI (#14)
    Combined Statistical Area (CSA): Chicago-Naperville-Michigan City, IL-IN-WI (#176)
    Core Based Statistical Area (CBSA): Chicago-Joliet-Naperville, IL-IN-WI (#16980)
    CBSA Metro Statistical Area: Chicago-Joliet-Naperville, IL-IN-WI (#16980)
    Core Based Statistical Division: Chicago-Joliet-Naperville, IL (#16974)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $43.8 mil
    Equity capital: $1.4 mil
    Deposits held in domestic offices: $42.2 mil
    Return on assets (ROA): -7.28% (-$3.2 mil)
    Quarterly return on assets: -14.63% (-$6.4 mil)
    Return on Equity (ROE): -110.09% (-$1.1 mil)
    Quarterly return on equity: -316.53% (-$3.2 mil)
    Net income: -$3.8 mil
    Quarterly Net income: -$1.8 mil
    Pretax return on assets: -7.27% (-$3,184.0 mil)
    Quarterly Pretax return on assets: -14.63% (-$6,407.4 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, 2011)

  • Dollar figures in thousands
  • 12Total employees (full-time equivalent)
  • $43,796Total assets
  • $7,700Cash and due from depository institutions
  • $6,333Interest-bearing balances
  • $4,589Securities
  • $3,570Federal funds sold & reverse repurchase agreements
  • $23,809Net loans & leases
  • $2,450Loan loss allowance
  • $0Trading account assets
  • $3,190Bank premises and fixed assets
  • $409Other real estate owned
  • $0Goodwill and other intangibles
  • $43,796Life insurance assets
  • $529All other assets
  • $42,441Total liabilities and capital
  • $42,237Total liabilities
  • $35,513Total deposits
  • $42,237Interest-bearing deposits
  • $99Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $204Subordinated debt
  • $1,355All other liabilities
  • $1,355Total equity capital
  • $1,355Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $1,500Surplus
  • $-345Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $7,725Income earned, not collected on loans
  • $0Earning assets
  • $233Long-term assets (5+ years)
  • $38,301Average Assets, year-to-date
  • $4,443Average Assets, quarterly
  • $52,619Volatile liabilities
  • $48,383Insider loans
  • $27,418FHLB advances
  • $49,834Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $1,328Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,027Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,966Total interest income
  • $500Total interest expense
  • $1,466Net interest income
  • $3,625Provision for loan and lease losses
  • $80Total noninterest income
  • $0Fiduciary activities
  • $58Service charges on deposit accounts
  • $0Trading account gains & fees
  • $22Additional noninterest income
  • $1,830Total noninterest expense
  • $671Salaries and employee benefits
  • $278Premises and equipment expense
  • $881Additional noninterest expense
  • -$3,909Pre-tax net operating income
  • $83Securities gains (losses)
  • $3Applicable income taxes
  • -$3,829Income before extraordinary items
  • $0Extraordinary gains - net
  • -$3,829Net income attributable to bank
  • $0Net charge-offs
  • -$3,829Cash dividends
  • $1,591Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.16%Yield on earning assets
  • 1.06%Cost of funding earning assets
  • 3.10%Net interest margin
  • 0.17%Noninterest income to earning assets
  • 3.88%Noninterest expense to earning assets
  • -7.43%Net operating income to assets
  • -7.28%Return on assets (ROA)
  • -7.27%Pretax return on assets
  • -110.09%Return on equity (ROE)
  • -110.09%Retained earnings to average equity (YTD only)
  • 4.90%Net charge-offs to loans
  • 227.84%Credit loss provision to net charge-offs
  • -0.18%Efficiency ratio
  • 118,370Assets per employee
  • 3.65%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 9.33%Loss allowance to noncurrent loans
  • 31.72%Noncurrent assets plus other real estate owned to assets
  • 18.57%Noncurrent loans to loans
  • 29.42%Net loans and leases to deposits
  • 56.37%Net loans and leases to core deposits
  • 61.83%Equity capital to assets
  • 3.09%Core capital (leverage) ratio
  • 2.66%Tier 1 risk-based capital ratio
  • 4.84%Total risk-based capital ratio
  • Memoranda
  • $6Average assets
  • $52,619Average earning assets
  • $3,478Average equity
  • $47,218Average loans

List of branches

  • 2 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    05918Farmers' And Traders' State Bank203 West Commanche Street, Shabbona, IL 60550August 05, 1905Full Service Brick and Mortar
    1478870Farmers & Traders State Bank (Branch10001 U. S. Highway 30, Waterman, IL 60556Febuary 05, 2007Full Service Brick and Mortar

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