First National Bank of Pana in Pana, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches


First National Bank of Pana - Overview

  • General
  • FDIC Certificate #: 3720
    Status: Active
    Federal Reserve ID: 860147
    Date Established: January 01, 1930
    WWW: http://www.fnbpana.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 13685
    FDIC's unique #: 2386
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: No
    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: 306 South Locust Street, Pana, IL 62557
    County: Christian
    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
    Core Based Statistical Area (CBSA): Taylorville, IL (#45380)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $127.0 mil
    Equity capital: $15.5 mil
    Deposits held in domestic offices: $109.8 mil
    Return on assets (ROA): 1.02% ($1.3 mil)
    Quarterly return on assets: 1.15% ($1.5 mil)
    Return on Equity (ROE): 8.76% ($1.3 mil)
    Quarterly return on equity: 9.53% ($1.4 mil)
    Net income: $1.3 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.49% ($1,892.8 mil)
    Quarterly Pretax return on assets: 1.46% ($1,854.7 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
  • 40Total employees (full-time equivalent)
  • $127,036Total assets
  • $9,111Cash and due from depository institutions
  • $3,987Interest-bearing balances
  • $23,014Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $89,252Net loans & leases
  • $1,054Loan loss allowance
  • $0Trading account assets
  • $1,188Bank premises and fixed assets
  • $64Other real estate owned
  • $0Goodwill and other intangibles
  • $127,036Life insurance assets
  • $4,407All other assets
  • $111,564Total liabilities and capital
  • $109,837Total liabilities
  • $93,095Total deposits
  • $109,837Interest-bearing deposits
  • $99Deposits held in domestic offices
  • 910.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $817Subordinated debt
  • $15,472All other liabilities
  • $15,472Total equity capital
  • $15,472Total bank equity capital
  • $0Perpetual preferred stock
  • $440Common stock
  • $440Surplus
  • $14,592Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $999Income earned, not collected on loans
  • $0Earning assets
  • $1,020Long-term assets (5+ years)
  • $116,253Average Assets, year-to-date
  • $11,862Average Assets, quarterly
  • $129,007Volatile liabilities
  • $127,664Insider loans
  • $95,067FHLB advances
  • $128,869Loans and leases held for sale
  • $2,438Unused loan commitments
  • $2,438Tier 1 (core) risk-based capital
  • $15,282Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $16,302Restructured Loans and leases
  • $1,222Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,712Total interest income
  • $1,261Total interest expense
  • $4,451Net interest income
  • $110Provision for loan and lease losses
  • $1,040Total noninterest income
  • $1Fiduciary activities
  • $497Service charges on deposit accounts
  • $0Trading account gains & fees
  • $542Additional noninterest income
  • $3,461Total noninterest expense
  • $1,909Salaries and employee benefits
  • $285Premises and equipment expense
  • $1,267Additional noninterest expense
  • $1,920Pre-tax net operating income
  • $0Securities gains (losses)
  • $608Applicable income taxes
  • $1,312Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,312Net income attributable to bank
  • $0Net charge-offs
  • $1,312Cash dividends
  • $133Sale, conversion, retirement of capital stock, net
  • $352Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.79%Yield on earning assets
  • 1.06%Cost of funding earning assets
  • 3.73%Net interest margin
  • 0.87%Noninterest income to earning assets
  • 2.90%Noninterest expense to earning assets
  • 1.02%Net operating income to assets
  • 1.02%Return on assets (ROA)
  • 1.49%Pretax return on assets
  • 8.76%Return on equity (ROE)
  • 6.41%Retained earnings to average equity (YTD only)
  • 0.15%Net charge-offs to loans
  • 82.71%Credit loss provision to net charge-offs
  • 15.26%Efficiency ratio
  • 63,030Assets per employee
  • 3.18%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 26.83%Loss allowance to loans
  • 1.17%Loss allowance to noncurrent loans
  • 105.51%Noncurrent assets plus other real estate owned to assets
  • 0.84%Noncurrent loans to loans
  • 1.11%Net loans and leases to deposits
  • 81.26%Net loans and leases to core deposits
  • 82.82%Equity capital to assets
  • 12.18%Core capital (leverage) ratio
  • 11.86%Tier 1 risk-based capital ratio
  • 16.07%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $129,007Average earning assets
  • $14,985Average equity
  • $119,206Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $1,104Managed Assets
  • 1Number of Accounts
  • $1,104Personal trust and agency accounts
  • $6Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $1,098Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 2Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 3 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02386First National Bank Of Pana306 South Locust Street, Pana, IL 62557January 01, 1930Full Service Brick and Mortar
    1201801Assumption BranchEast Illinois Street And Route 51, Assumption, IL 62510June 26, 1995Full Service Brick and Mortar
    2360617Spresser Branch600 West Spresser, Taylorville, IL 62568July 02, 2001Full Service Brick and Mortar

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