First Neighbor Bank, National Association in Toledo, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches


First Neighbor Bank, National Association - Overview

  • General
  • FDIC Certificate #: 3747
    Status: Active
    Federal Reserve ID: 413646
    Bank Holding Company (Regulatory Top Holder): First Neighborhood Bancshares, Inc. Employee Stock Ownership Plan (RSSDID: 2558505, Location: Toledo, IL)
    Date Established: January 01, 1933
    WWW: http://www.firstneighbor.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 6 (Domestic: 6, Interstate: No)
    OTS Docket #: 13514
    FDIC's unique #: 2412
    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: 201 North Meridian Street, Toledo, IL 62468
    County: Cumberland
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Champaign
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Core Based Statistical Area (CBSA): Charleston-Mattoon, IL (#16660)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $256.5 mil
    Equity capital: $33.1 mil
    Deposits held in domestic offices: $221.4 mil
    Return on assets (ROA): 1.05% ($2.7 mil)
    Quarterly return on assets: 1.02% ($2.6 mil)
    Return on Equity (ROE): 8.33% ($2.7 mil)
    Quarterly return on equity: 7.95% ($2.6 mil)
    Net income: $2.6 mil
    Quarterly Net income: $0.7 mil
    Pretax return on assets: 1.58% ($4,052.3 mil)
    Quarterly Pretax return on assets: 1.55% ($3,975.4 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
  • 72Total employees (full-time equivalent)
  • $256,475Total assets
  • $7,221Cash and due from depository institutions
  • $5,234Interest-bearing balances
  • $46,071Securities
  • $12,473Federal funds sold & reverse repurchase agreements
  • $175,290Net loans & leases
  • $1,340Loan loss allowance
  • $0Trading account assets
  • $3,413Bank premises and fixed assets
  • $723Other real estate owned
  • $1,339Goodwill and other intangibles
  • $256,475Life insurance assets
  • $9,945All other assets
  • $223,395Total liabilities and capital
  • $221,352Total liabilities
  • $190,295Total deposits
  • $221,352Interest-bearing deposits
  • $86Deposits held in domestic offices
  • 509.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $529Trading liabilities
  • $0Other borrowed funds
  • $1,005Subordinated debt
  • $33,080All other liabilities
  • $33,080Total equity capital
  • $33,080Total bank equity capital
  • $0Perpetual preferred stock
  • $550Common stock
  • $9,122Surplus
  • $23,408Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $719Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,080Income earned, not collected on loans
  • $0Earning assets
  • $1,807Long-term assets (5+ years)
  • $239,068Average Assets, year-to-date
  • $33,952Average Assets, quarterly
  • $250,414Volatile liabilities
  • $254,040Insider loans
  • $189,976FHLB advances
  • $252,359Loans and leases held for sale
  • $6,202Unused loan commitments
  • $5,060Tier 1 (core) risk-based capital
  • $30,629Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $1,142Total unused commitments
  • $24,918Restructured Loans and leases
  • $5,155Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $11,564Total interest income
  • $2,285Total interest expense
  • $9,279Net interest income
  • $190Provision for loan and lease losses
  • $2,052Total noninterest income
  • $0Fiduciary activities
  • $468Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,584Additional noninterest income
  • $7,175Total noninterest expense
  • $4,116Salaries and employee benefits
  • $933Premises and equipment expense
  • $2,126Additional noninterest expense
  • $3,966Pre-tax net operating income
  • $0Securities gains (losses)
  • $1,343Applicable income taxes
  • $2,623Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,623Net income attributable to bank
  • $0Net charge-offs
  • $2,623Cash dividends
  • $448Sale, conversion, retirement of capital stock, net
  • $400Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.97%Yield on earning assets
  • 0.98%Cost of funding earning assets
  • 3.98%Net interest margin
  • 0.88%Noninterest income to earning assets
  • 3.08%Noninterest expense to earning assets
  • 1.05%Net operating income to assets
  • 1.05%Return on assets (ROA)
  • 1.58%Pretax return on assets
  • 8.33%Return on equity (ROE)
  • 7.06%Retained earnings to average equity (YTD only)
  • 0.26%Net charge-offs to loans
  • 42.41%Credit loss provision to net charge-offs
  • 9.28%Efficiency ratio
  • 63,172Assets per employee
  • 3.56%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 15.25%Loss allowance to loans
  • 0.76%Loss allowance to noncurrent loans
  • 43.51%Noncurrent assets plus other real estate owned to assets
  • 1.48%Noncurrent loans to loans
  • 1.74%Net loans and leases to deposits
  • 79.19%Net loans and leases to core deposits
  • 81.31%Equity capital to assets
  • 12.90%Core capital (leverage) ratio
  • 12.14%Tier 1 risk-based capital ratio
  • 16.12%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $250,414Average earning assets
  • $31,496Average equity
  • $232,855Average loans

List of branches

  • 6 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02412First Neighbor Bank, National Association201 North Meridian Street, Toledo, IL 62468January 01, 1933Full Service Brick and Mortar
    1201865Casey Financial Branch101 North Central Avenue, Casey, IL 62420December 11, 1998Full Service Brick and Mortar
    2243356Charleston Branch1415 Eighteenth Street, Charleston, IL 61920November 17, 1997Full Service Brick and Mortar
    32351Greenup Branch705 East Cumberland Street, Greenup, IL 62428January 01, 1906Full Service Brick and Mortar
    5361883Neoga Branch223 E. 6th Street, Neoga, IL 62447September 04, 2001Full Service Brick and Mortar
    67462Newman Branch511 South Broadway, Newman, IL 61942June 12, 1912Full Service Brick and Mortar

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