Illinois National Bank in Springfield, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Illinois National Bank in Springfield, Illinois (IL)
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Illinois National Bank - Overview

  • General
  • FDIC Certificate #: 3664
    Status: Active
    Federal Reserve ID: 925037
    Bank Holding Company (Regulatory Top Holder): Illinois National Bancorp, Inc. (RSSDID: 1208054, Location: Springfield, IL)
    Date Established: January 01, 1905
    WWW: http://www.illinoisnationalbank.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: 12 (Domestic: 12, Interstate: No)
    FDIC's unique #: 2341
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 21, 2008
    Last Structure Change Process Date: March 27, 2008
    Last Data Update: March 27, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 322 East Capitol Street, Springfield, IL 62701
    County: Sangamon
    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
    Metropolitan Statistical Area (MSA): Springfield, IL (#7880)
    Core Based Statistical Area (CBSA): Springfield, IL (#44100)
    CBSA Metro Statistical Area: Springfield, IL (#44100)
  • History of Changes
  • Office Purchased
  • Financial Summary
  • Total assets: $549.0 mil
    Equity capital: $53.1 mil
    Deposits held in domestic offices: $492.6 mil
    Return on assets (ROA): 0.37% ($2.0 mil)
    Quarterly return on assets: 0.39% ($2.1 mil)
    Return on Equity (ROE): 4.01% ($2.1 mil)
    Quarterly return on equity: 3.92% ($2.1 mil)
    Net income: $2.1 mil
    Quarterly Net income: $0.5 mil
    Pretax return on assets: 0.37% ($2,031.3 mil)
    Quarterly Pretax return on assets: 0.39% ($2,141.1 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
  • 195Total employees (full-time equivalent)
  • $549,007Total assets
  • $96,221Cash and due from depository institutions
  • $76,789Interest-bearing balances
  • $88,183Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $328,564Net loans & leases
  • $4,681Loan loss allowance
  • $0Trading account assets
  • $15,613Bank premises and fixed assets
  • $3,162Other real estate owned
  • $1,840Goodwill and other intangibles
  • $549,007Life insurance assets
  • $15,424All other assets
  • $495,911Total liabilities and capital
  • $492,622Total liabilities
  • $368,954Total deposits
  • $492,622Interest-bearing deposits
  • $86Deposits held in domestic offices
  • 200.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $3,089Subordinated debt
  • $53,096All other liabilities
  • $53,096Total equity capital
  • $53,096Total bank equity capital
  • $0Perpetual preferred stock
  • $150Common stock
  • $44,103Surplus
  • $8,843Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $254Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $5,276Income earned, not collected on loans
  • $205Earning assets
  • $1,720Long-term assets (5+ years)
  • $493,536Average Assets, year-to-date
  • $78,159Average Assets, quarterly
  • $573,873Volatile liabilities
  • $538,940Insider loans
  • $417,148FHLB advances
  • $533,146Loans and leases held for sale
  • $8,051Unused loan commitments
  • $7,543Tier 1 (core) risk-based capital
  • $52,495Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $508Total unused commitments
  • $114,962Restructured Loans and leases
  • $9,774Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $18,833Total interest income
  • $3,422Total interest expense
  • $15,411Net interest income
  • $580Provision for loan and lease losses
  • $14,371Total noninterest income
  • $536Fiduciary activities
  • $3,238Service charges on deposit accounts
  • $0Trading account gains & fees
  • $10,597Additional noninterest income
  • $27,729Total noninterest expense
  • $10,746Salaries and employee benefits
  • $3,935Premises and equipment expense
  • $13,048Additional noninterest expense
  • $1,473Pre-tax net operating income
  • $622Securities gains (losses)
  • $0Applicable income taxes
  • $2,095Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,095Net income attributable to bank
  • $0Net charge-offs
  • $2,095Cash dividends
  • $2,074Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.64%Yield on earning assets
  • 0.66%Cost of funding earning assets
  • 2.98%Net interest margin
  • 2.78%Noninterest income to earning assets
  • 5.36%Noninterest expense to earning assets
  • 0.26%Net operating income to assets
  • 0.37%Return on assets (ROA)
  • 0.37%Pretax return on assets
  • 4.01%Return on equity (ROE)
  • 4.01%Retained earnings to average equity (YTD only)
  • 0.68%Net charge-offs to loans
  • 27.97%Credit loss provision to net charge-offs
  • 0.99%Efficiency ratio
  • 92,512Assets per employee
  • 2.82%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.40%Loss allowance to noncurrent loans
  • 88.72%Noncurrent assets plus other real estate owned to assets
  • 1.54%Noncurrent loans to loans
  • 1.58%Net loans and leases to deposits
  • 66.70%Net loans and leases to core deposits
  • 70.39%Equity capital to assets
  • 9.67%Core capital (leverage) ratio
  • 9.85%Tier 1 risk-based capital ratio
  • 12.58%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $573,873Average earning assets
  • $52,219Average equity
  • $516,898Average 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
  • $89,556Managed Assets
  • 1Number of Accounts
  • $69,543Personal trust and agency accounts
  • $35,195Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $631Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $33,717Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 105Number of Accounts
  • $0Personal trust and agency accounts
  • $631Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $20,013Other retirement accounts
  • $4,765Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $2,449Fiduciary accounts held in foreign offices

List of branches

  • 12 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02341Illinois National Bank322 East Capitol Street, Springfield, IL 62701January 01, 1905Full Service Brick and Mortar
    1201709Fairmont Branch109 Main Street, Fairmount, IL 61841June 21, 1999Full Service Brick and Mortar
    3201711Montvale Branch2601 Chatham Road, Springfield, IL 62704December 06, 1999Full Service Brick and Mortar
    4363599South Sixth Street Branch2849 South Sixth Street, Springfield, IL 62703April 22, 2002Full Service Brick and Mortar
    5363643North Dirksen Parkway Branch2450 North Dirksen Parkway, Springfield, IL 62702May 06, 2002Full Service Brick and Mortar
    6226338Chatham Branch100 East Plummer, Chatham, IL 62629June 06, 1994Full Service Brick and Mortar
    7223049Pleasant Plains Branch106 West Main Street, Pleasant Plains, IL 62677June 02, 1996Full Service Brick and Mortar
    913239Riverton Community Bank Branch409 North Seventh Street, Riverton, IL 62561June 01, 1965Full Service Brick and Mortar
    10442285West Wabash Branch3150 West Wabash Avenue, Springfield, IL 62704May 16, 2005Full Service Brick and Mortar
    11453053Seasons Pine Creek Living Center Bra3201 Conifer Drive, Springfield, IL 62711April 17, 2006Limited Service Mobile
    12465585Peoria Branch7535 North Knoxville Avenue, Peoria, IL 61614June 01, 2007Full Service Brick and Mortar
    132381Mount Pulaski Branch205 East Jefferson Street, Mount Pulaski, IL 62548January 01, 1888Full Service Brick and Mortar

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