Fayette County Bank in St. Elmo, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

Fayette County Bank - Overview

  • General
  • FDIC Certificate #: 1802
    Status: Active
    Federal Reserve ID: 486248
    Bank Holding Company (Regulatory Top Holder): Fayette County Bancshares, Inc. (RSSDID: 1143669, Location: Saint Elmo, IL)
    Date Established: January 01, 1894
    WWW: http://www.fayettecountybk.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 1196
    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: 320 North Main Street, St. Elmo, IL 62458
    County: Fayette
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Mount Vernon
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $25.2 mil
    Equity capital: $2.8 mil
    Deposits held in domestic offices: $22.3 mil
    Return on assets (ROA): 0.59% ($0.1 mil)
    Quarterly return on assets: 0.71% ($0.2 mil)
    Return on Equity (ROE): 5.98% ($0.2 mil)
    Quarterly return on equity: 6.68% ($0.2 mil)
    Net income: $0.2 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.59% ($148.8 mil)
    Quarterly Pretax return on assets: 0.71% ($179.1 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
  • 8Total employees (full-time equivalent)
  • $25,224Total assets
  • $5,406Cash and due from depository institutions
  • $4,672Interest-bearing balances
  • $7,045Securities
  • $445Federal funds sold & reverse repurchase agreements
  • $11,967Net loans & leases
  • $122Loan loss allowance
  • $0Trading account assets
  • $131Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $25,224Life insurance assets
  • $230All other assets
  • $22,400Total liabilities and capital
  • $22,313Total liabilities
  • $17,893Total deposits
  • $22,313Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $87Subordinated debt
  • $2,824All other liabilities
  • $2,824Total equity capital
  • $2,824Total bank equity capital
  • $0Perpetual preferred stock
  • $60Common stock
  • $940Surplus
  • $1,824Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $396Income earned, not collected on loans
  • $0Earning assets
  • $132Long-term assets (5+ years)
  • $24,129Average Assets, year-to-date
  • $6,709Average Assets, quarterly
  • $27,285Volatile liabilities
  • $26,317Insider loans
  • $14,381FHLB advances
  • $26,218Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $2,709Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,366Restructured Loans and leases
  • $1,399Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $905Total interest income
  • $178Total interest expense
  • $727Net interest income
  • $50Provision for loan and lease losses
  • $82Total noninterest income
  • $0Fiduciary activities
  • $59Service charges on deposit accounts
  • $0Trading account gains & fees
  • $23Additional noninterest income
  • $597Total noninterest expense
  • $321Salaries and employee benefits
  • $86Premises and equipment expense
  • $190Additional noninterest expense
  • $162Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $162Income before extraordinary items
  • $0Extraordinary gains - net
  • $162Net income attributable to bank
  • $0Net charge-offs
  • $162Cash dividends
  • $80Sale, conversion, retirement of capital stock, net
  • $84Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.47%Yield on earning assets
  • 0.68%Cost of funding earning assets
  • 2.79%Net interest margin
  • 0.31%Noninterest income to earning assets
  • 2.29%Noninterest expense to earning assets
  • 0.59%Net operating income to assets
  • 0.59%Return on assets (ROA)
  • 0.59%Pretax return on assets
  • 5.98%Return on equity (ROE)
  • 2.88%Retained earnings to average equity (YTD only)
  • 0.71%Net charge-offs to loans
  • 62.50%Credit loss provision to net charge-offs
  • 2.65%Efficiency ratio
  • 73,795Assets per employee
  • 3.15%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 51.85%Loss allowance to loans
  • 1.01%Loss allowance to noncurrent loans
  • 30.81%Noncurrent assets plus other real estate owned to assets
  • 1.57%Noncurrent loans to loans
  • 3.28%Net loans and leases to deposits
  • 53.63%Net loans and leases to core deposits
  • 56.55%Equity capital to assets
  • 11.20%Core capital (leverage) ratio
  • 10.33%Tier 1 risk-based capital ratio
  • 18.84%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $27,285Average earning assets
  • $2,709Average equity
  • $26,069Average loans

List of branches

  • 1 Illinois Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    01196Fayette County Bank320 North Main Street, St. Elmo, IL 62458January 01, 1894Full Service Brick and Mortar

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