First State Bank of Bloomington in Bloomington, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

First State Bank of Bloomington - Overview

  • General
  • FDIC Certificate #: 22034
    Status: Active
    Federal Reserve ID: 453839
    Bank Holding Company (Regulatory Top Holder): First State Bancorp Of Monticello, Inc. Employee Stock Ownership Plan (RSSDID: 2310217, Location: Monticello, IL)
    Date Established: June 09, 1975
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 3, Interstate: No)
    OTS Docket #: 15616
    FDIC's unique #: 15288
    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: June 09, 1975
    Last Structure Change Effective Date: January 01, 2009
    Last Structure Change Process Date: January 05, 2009
    Last Data Update: January 05, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 204 North Prospect Road, Bloomington, IL 61704
    County: Mclean
    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
    Metropolitan Statistical Area (MSA): Bloomington-Normal, IL (#1040)
    Core Based Statistical Area (CBSA): Bloomington-Normal, IL (#14060)
    CBSA Metro Statistical Area: Bloomington-Normal, IL (#14060)
  • Financial Summary
  • Total assets: $97.6 mil
    Equity capital: $10.2 mil
    Deposits held in domestic offices: $83.5 mil
    Return on assets (ROA): 1.40% ($1.4 mil)
    Quarterly return on assets: 1.16% ($1.1 mil)
    Return on Equity (ROE): 13.60% ($1.4 mil)
    Quarterly return on equity: 11.05% ($1.1 mil)
    Net income: $1.3 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.40% ($1,367.0 mil)
    Quarterly Pretax return on assets: 1.16% ($1,132.7 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
  • 31Total employees (full-time equivalent)
  • $97,644Total assets
  • $5,656Cash and due from depository institutions
  • $2,028Interest-bearing balances
  • $21,542Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $65,726Net loans & leases
  • $1,011Loan loss allowance
  • $0Trading account assets
  • $2,082Bank premises and fixed assets
  • $327Other real estate owned
  • $128Goodwill and other intangibles
  • $97,644Life insurance assets
  • $2,183All other assets
  • $87,408Total liabilities and capital
  • $83,522Total liabilities
  • $63,183Total deposits
  • $83,522Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 667.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $3,000Trading liabilities
  • $0Other borrowed funds
  • $219Subordinated debt
  • $10,236All other liabilities
  • $10,236Total equity capital
  • $10,236Total bank equity capital
  • $0Perpetual preferred stock
  • $641Common stock
  • $2,424Surplus
  • $7,171Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $754Income earned, not collected on loans
  • $0Earning assets
  • $505Long-term assets (5+ years)
  • $89,296Average Assets, year-to-date
  • $14,593Average Assets, quarterly
  • $94,903Volatile liabilities
  • $96,976Insider loans
  • $67,983FHLB advances
  • $95,975Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $9,013Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $7,164Restructured Loans and leases
  • $13Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,261Total interest income
  • $744Total interest expense
  • $3,517Net interest income
  • $281Provision for loan and lease losses
  • $1,174Total noninterest income
  • $212Fiduciary activities
  • $434Service charges on deposit accounts
  • $0Trading account gains & fees
  • $528Additional noninterest income
  • $3,086Total noninterest expense
  • $1,478Salaries and employee benefits
  • $422Premises and equipment expense
  • $1,186Additional noninterest expense
  • $1,324Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $1,324Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,324Net income attributable to bank
  • $0Net charge-offs
  • $1,324Cash dividends
  • $43Sale, conversion, retirement of capital stock, net
  • $376Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.90%Yield on earning assets
  • 0.86%Cost of funding earning assets
  • 4.05%Net interest margin
  • 1.35%Noninterest income to earning assets
  • 3.55%Noninterest expense to earning assets
  • 1.40%Net operating income to assets
  • 1.40%Return on assets (ROA)
  • 1.40%Pretax return on assets
  • 13.60%Return on equity (ROE)
  • 9.74%Retained earnings to average equity (YTD only)
  • 0.07%Net charge-offs to loans
  • 653.49%Credit loss provision to net charge-offs
  • 37.33%Efficiency ratio
  • 65,786Assets per employee
  • 3.15%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 28.40%Loss allowance to loans
  • 1.51%Loss allowance to noncurrent loans
  • 134.08%Noncurrent assets plus other real estate owned to assets
  • 1.11%Noncurrent loans to loans
  • 1.13%Net loans and leases to deposits
  • 78.69%Net loans and leases to core deposits
  • 96.58%Equity capital to assets
  • 10.48%Core capital (leverage) ratio
  • 9.39%Tier 1 risk-based capital ratio
  • 13.26%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $94,903Average earning assets
  • $9,734Average equity
  • $86,939Average 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
  • $17,448Managed Assets
  • 1Number of Accounts
  • $14,421Personal trust and agency accounts
  • $11,044Employee benefit-defined contribution accounts
  • $907Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $63Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $2,407Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 117Number of Accounts
  • $0Personal trust and agency accounts
  • $63Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $3,027Other retirement accounts
  • $1,072Corporate trust and agency accounts
  • $16Other fiduciary accounts
  • $1,939Fiduciary accounts held in foreign offices

List of branches

  • 4 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    015288First State Bank Of Bloomington204 North Prospect Road, Bloomington, IL 61704June 09, 1975Full Service Brick and Mortar
    1253936Westminster Village Facility2025 East Lincoln, Bloomington, IL 61701November 01, 1979Limited Service Retail
    27226Heyworth First State Branch117 East Main Street, Heyworth, IL 61745April 12, 1906Full Service Brick and Mortar
    3530039Luther Oaks Branch601 Lutz Road, Bloomington, IL 61704Febuary 22, 2012Limited Service Retail

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