First Community State Bank in Staunton, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

First Community State Bank - Overview

  • General
  • FDIC Certificate #: 20028
    Status: Active
    Federal Reserve ID: 249546
    Bank Holding Company (Regulatory Top Holder): Staun Bancorp, Inc. (RSSDID: 1247370, Location: Staunton, IL)
    Date Established: September 08, 1969
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 12648
    FDIC's unique #: 13757
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: September 08, 1969
    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: 417 West North Street, Staunton, IL 62088
    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: $46.4 mil
    Equity capital: $4.2 mil
    Deposits held in domestic offices: $42.1 mil
    Return on assets (ROA): 0.45% ($0.2 mil)
    Quarterly return on assets: 0.54% ($0.2 mil)
    Return on Equity (ROE): 5.49% ($0.2 mil)
    Quarterly return on equity: 6.06% ($0.2 mil)
    Net income: $0.2 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.44% ($204.3 mil)
    Quarterly Pretax return on assets: 0.56% ($260.1 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
  • 16Total employees (full-time equivalent)
  • $46,440Total assets
  • $1,287Cash and due from depository institutions
  • $822Interest-bearing balances
  • $9,774Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $32,489Net loans & leases
  • $413Loan loss allowance
  • $0Trading account assets
  • $333Bank premises and fixed assets
  • $415Other real estate owned
  • $295Goodwill and other intangibles
  • $46,440Life insurance assets
  • $1,847All other assets
  • $42,288Total liabilities and capital
  • $42,086Total liabilities
  • $37,736Total deposits
  • $42,086Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $202Subordinated debt
  • $4,152All other liabilities
  • $4,152Total equity capital
  • $4,152Total bank equity capital
  • $0Perpetual preferred stock
  • $592Common stock
  • $592Surplus
  • $2,968Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $560Income earned, not collected on loans
  • $0Earning assets
  • $170Long-term assets (5+ years)
  • $43,085Average Assets, year-to-date
  • $9,133Average Assets, quarterly
  • $51,377Volatile liabilities
  • $46,832Insider loans
  • $35,545FHLB advances
  • $40,624Loans and leases held for sale
  • $729Unused loan commitments
  • $729Tier 1 (core) risk-based capital
  • $4,128Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,267Restructured Loans and leases
  • $460Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,152Total interest income
  • $429Total interest expense
  • $1,723Net interest income
  • $0Provision for loan and lease losses
  • $193Total noninterest income
  • $0Fiduciary activities
  • $40Service charges on deposit accounts
  • $0Trading account gains & fees
  • $153Additional noninterest income
  • $1,688Total noninterest expense
  • $788Salaries and employee benefits
  • $345Premises and equipment expense
  • $555Additional noninterest expense
  • $228Pre-tax net operating income
  • $0Securities gains (losses)
  • -$2Applicable income taxes
  • $230Income before extraordinary items
  • $0Extraordinary gains - net
  • $230Net income attributable to bank
  • $0Net charge-offs
  • $230Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $381Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.55%Yield on earning assets
  • 0.91%Cost of funding earning assets
  • 3.65%Net interest margin
  • 0.41%Noninterest income to earning assets
  • 3.57%Noninterest expense to earning assets
  • 0.45%Net operating income to assets
  • 0.45%Return on assets (ROA)
  • 0.44%Pretax return on assets
  • 5.49%Return on equity (ROE)
  • -3.61%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
  • 88,100Assets per employee
  • 2.90%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 165.65%Loss allowance to loans
  • 1.26%Loss allowance to noncurrent loans
  • 73.75%Noncurrent assets plus other real estate owned to assets
  • 2.10%Noncurrent loans to loans
  • 1.70%Net loans and leases to deposits
  • 77.20%Net loans and leases to core deposits
  • 79.13%Equity capital to assets
  • 8.94%Core capital (leverage) ratio
  • 10.16%Tier 1 risk-based capital ratio
  • 11.61%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $51,377Average earning assets
  • $4,188Average equity
  • $47,265Average loans

List of branches

  • 2 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    013757First Community State Bank417 West North Street, Staunton, IL 62088September 08, 1969Full Service Brick and Mortar
    2479019Glen Carbon Branch2160a South Illinois Route 157, Glen Carbon, IL 62034Febuary 06, 2006Full Service Brick and Mortar

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