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

National Bank - Overview

  • General
  • FDIC Certificate #: 16276
    Status: Active
    Federal Reserve ID: 659341
    Bank Holding Company (Regulatory Top Holder): Country Bancorp, Inc. (RSSDID: 1098581, Location: Hillsboro, IL)
    Date Established: July 02, 1945
    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: 12 (Domestic: 12, Interstate: No)
    OTS Docket #: 13932
    FDIC's unique #: 10465
    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: July 02, 1945
    Last Structure Change Effective Date: April 30, 2011
    Last Structure Change Process Date: May 11, 2011
    Last Data Update: May 11, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 212 South Main Street, Hillsboro, IL 62049
    County: Montgomery
    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
  • History of Changes
  • Office Purchased
  • Financial Summary
  • Total assets: $310.4 mil
    Equity capital: $26.4 mil
    Deposits held in domestic offices: $281.3 mil
    Return on assets (ROA): 0.72% ($2.2 mil)
    Quarterly return on assets: 0.66% ($2.0 mil)
    Return on Equity (ROE): 8.43% ($2.2 mil)
    Quarterly return on equity: 7.79% ($2.0 mil)
    Net income: $2.1 mil
    Quarterly Net income: $0.5 mil
    Pretax return on assets: 1.01% ($3,135.5 mil)
    Quarterly Pretax return on assets: 1.08% ($3,352.8 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
  • 100Total employees (full-time equivalent)
  • $310,441Total assets
  • $8,490Cash and due from depository institutions
  • $2,247Interest-bearing balances
  • $92,152Securities
  • $4,296Federal funds sold & reverse repurchase agreements
  • $191,902Net loans & leases
  • $2,729Loan loss allowance
  • $0Trading account assets
  • $8,202Bank premises and fixed assets
  • $0Other real estate owned
  • $556Goodwill and other intangibles
  • $310,441Life insurance assets
  • $4,843All other assets
  • $284,040Total liabilities and capital
  • $281,298Total liabilities
  • $250,654Total deposits
  • $281,298Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,500Trading liabilities
  • $0Other borrowed funds
  • $1,242Subordinated debt
  • $26,401All other liabilities
  • $26,401Total equity capital
  • $26,401Total bank equity capital
  • $0Perpetual preferred stock
  • $2,660Common stock
  • $4,109Surplus
  • $19,632Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $2,021Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,347Income earned, not collected on loans
  • $0Earning assets
  • $2,023Long-term assets (5+ years)
  • $290,597Average Assets, year-to-date
  • $71,182Average Assets, quarterly
  • $297,225Volatile liabilities
  • $310,438Insider loans
  • $227,452FHLB advances
  • $312,338Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $25,171Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $13,113Restructured Loans and leases
  • $242Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $12,195Total interest income
  • $2,709Total interest expense
  • $9,486Net interest income
  • $785Provision for loan and lease losses
  • $1,601Total noninterest income
  • $0Fiduciary activities
  • $855Service charges on deposit accounts
  • $0Trading account gains & fees
  • $746Additional noninterest income
  • $7,380Total noninterest expense
  • $4,127Salaries and employee benefits
  • $1,050Premises and equipment expense
  • $2,203Additional noninterest expense
  • $2,922Pre-tax net operating income
  • $72Securities gains (losses)
  • $865Applicable income taxes
  • $2,129Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,129Net income attributable to bank
  • $0Net charge-offs
  • $2,129Cash dividends
  • $575Sale, conversion, retirement of capital stock, net
  • $600Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.38%Yield on earning assets
  • 0.97%Cost of funding earning assets
  • 3.40%Net interest margin
  • 0.57%Noninterest income to earning assets
  • 2.65%Noninterest expense to earning assets
  • 0.70%Net operating income to assets
  • 0.72%Return on assets (ROA)
  • 1.01%Pretax return on assets
  • 8.43%Return on equity (ROE)
  • 6.05%Retained earnings to average equity (YTD only)
  • 0.32%Net charge-offs to loans
  • 136.52%Credit loss provision to net charge-offs
  • 6.45%Efficiency ratio
  • 66,564Assets per employee
  • 3.10%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 28.18%Loss allowance to loans
  • 1.40%Loss allowance to noncurrent loans
  • 116.28%Noncurrent assets plus other real estate owned to assets
  • 0.76%Noncurrent loans to loans
  • 1.21%Net loans and leases to deposits
  • 68.22%Net loans and leases to core deposits
  • 69.94%Equity capital to assets
  • 8.50%Core capital (leverage) ratio
  • 8.06%Tier 1 risk-based capital ratio
  • 11.07%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $297,225Average earning assets
  • $25,258Average equity
  • $278,663Average loans

List of branches

  • 12 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    010465National Bank212 South Main Street, Hillsboro, IL 62049July 02, 1945Full Service Brick and Mortar
    2237820Alhambra Branch502 East Main Street, Alhambra, IL 62001November 15, 1993Full Service Brick and Mortar
    5187775Drive-In Facility110 South Hamilton Street, Hillsboro, IL 62049December 15, 1971Limited Service Facility
    7187777Vandalia Branch520 Gochenour Street, Vandalia, IL 62471November 15, 1993Full Service Brick and Mortar
    8237822Greenville Branch605 South Third Street, Greenville, IL 62246December 30, 1995Full Service Brick and Mortar
    107460Keyesport Branch1013 Mulberry Street, Keyesport, IL 62253December 26, 1913Full Service Brick and Mortar
    13237825Pana Branch302 West Second Street, Pana, IL 62557April 27, 1998Full Service Brick and Mortar
    14237826Highland Branch40 Apex Drive, Highland, IL 62249January 07, 1999Full Service Retail
    16474398Effingham Branch501 North Keller Drive, Effingham, IL 62401May 05, 2008Full Service Brick and Mortar
    19187772Altamont Branch5 West Lincoln, Altamont, IL 62411September 26, 1994Full Service Brick and Mortar
    20262825Carlyle Branch801 12th Street, Carlyle, IL 62231June 30, 1989Full Service Brick and Mortar
    22187762Edwardsville Branch2200 Troy Road, Edwardsville, IL 62025May 15, 1998Full Service Brick and Mortar

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