First State Bank of Olmsted in city_name, state_name - Detailed Financial Reports, Location

First State Bank of Olmsted in Olmsted, Illinois (IL)
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First State Bank of Olmsted routing number info

First State Bank of Olmsted - Overview

General
FDIC Certificate #: 10437
Status: Active
Federal Reserve ID: 413347
Bank Holding Company (Regulatory Top Holder): Fsbo Holdings Inc (RSSDID: 2705091, Location: Olmsted, IL)
Date Established: November 07, 1921
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 3 (Domestic: 3, Interstate: No)
FDIC's unique #: 6671
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: No
Asset Concentration Hierarchy: All Other Specialization < 1 Billion
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: Front And Caledonia Streets, Olmsted, IL 62970
County: Pulaski
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: $39.0 mil
Equity capital: $4.1 mil
Deposits held in domestic offices: $34.7 mil
Return on assets (ROA): 0.96% ($0.4 mil)
Quarterly return on assets: 1.12% ($0.4 mil)
Return on Equity (ROE): 8.77% ($0.4 mil)
Quarterly return on equity: 10.38% ($0.4 mil)
Net income: $0.3 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: 1.11% ($432.7 mil)
Quarterly Pretax return on assets: 1.16% ($452.2 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
13Total employees (full-time equivalent)
$38,982Total assets
$5,314Cash and due from depository institutions
$3,866Interest-bearing balances
$6,928Securities
$2,345Federal funds sold & reverse repurchase agreements
$23,193Net loans & leases
$223Loan loss allowance
$0Trading account assets
$914Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$38,982Life insurance assets
$288All other assets
$34,897Total liabilities and capital
$34,671Total liabilities
$29,299Total deposits
$34,671Interest-bearing deposits
$95Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$226Subordinated debt
$4,085All other liabilities
$4,085Total equity capital
$4,085Total bank equity capital
$0Perpetual preferred stock
$100Common stock
$1,000Surplus
$2,985Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$450Income earned, not collected on loans
$0Earning assets
$215Long-term assets (5+ years)
$36,332Average Assets, year-to-date
$3,450Average Assets, quarterly
$36,523Volatile liabilities
$37,824Insider loans
$21,876FHLB advances
$38,056Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$3,985Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$3,470Restructured Loans and leases
$341Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$1,649Total interest income
$344Total interest expense
$1,305Net interest income
$24Provision for loan and lease losses
$219Total noninterest income
$0Fiduciary activities
$78Service charges on deposit accounts
$0Trading account gains & fees
$141Additional noninterest income
$1,095Total noninterest expense
$553Salaries and employee benefits
$68Premises and equipment expense
$474Additional noninterest expense
$405Pre-tax net operating income
$0Securities gains (losses)
$55Applicable income taxes
$350Income before extraordinary items
$0Extraordinary gains - net
$350Net income attributable to bank
$0Net charge-offs
$350Cash dividends
$6Sale, conversion, retirement of capital stock, net
$220Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.91%Yield on earning assets
1.03%Cost of funding earning assets
3.89%Net interest margin
0.65%Noninterest income to earning assets
3.26%Noninterest expense to earning assets
0.96%Net operating income to assets
0.96%Return on assets (ROA)
1.11%Pretax return on assets
8.77%Return on equity (ROE)
3.26%Retained earnings to average equity (YTD only)
0.03%Net charge-offs to loans
400.00%Credit loss provision to net charge-offs
71.50%Efficiency ratio
71,850Assets per employee
3.00%Cash dividends to net income (YTD only)
Condition Ratios (%)
62.86%Loss allowance to loans
0.95%Loss allowance to noncurrent loans
49.56%Noncurrent assets plus other real estate owned to assets
1.15%Noncurrent loans to loans
1.92%Net loans and leases to deposits
66.89%Net loans and leases to core deposits
68.58%Equity capital to assets
10.48%Core capital (leverage) ratio
10.47%Tier 1 risk-based capital ratio
18.22%Total risk-based capital ratio
Memoranda
$19Average assets
$36,523Average earning assets
$3,992Average equity
$33,559Average loans

List of branches

3 Illinois Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	6671	First State Bank Of Olmsted	Front And Caledonia Streets, Olmsted, IL 62970	November 07, 1921	Full Service Brick and Mortar
1	470597	Vienna Lpo	102 1/2 North Fourth Street, Vienna, IL 62995	Febuary 01, 2008	Limited Service Loan Production
2	481658	Mounds Branch	143 Glen Hall Drive, Mounds, IL 62964	October 27, 2008	Full Service Brick and Mortar

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

First State Bank of Olmsted - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

First State Bank of Olmsted - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

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