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

National Bank of Earlville - Overview

  • General
  • FDIC Certificate #: 15630
    Status: Active
    Federal Reserve ID: 852133
    Bank Holding Company (Regulatory Top Holder): Nbe Bancshares, Inc (RSSDID: 1207178, Location: Earlville, IL)
    Date Established: December 03, 1938
    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: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 9910
    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: December 03, 1938
    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: 137 South Main Street, Earlville, IL 60518
    County: La Salle
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Princeton
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Core Based Statistical Area (CBSA): Ottawa-Streator, IL (#36860)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $61.5 mil
    Equity capital: $9.1 mil
    Deposits held in domestic offices: $45.4 mil
    Return on assets (ROA): -0.16% (-$0.1 mil)
    Quarterly return on assets: -0.02% (-$0.0 mil)
    Return on Equity (ROE): -1.02% (-$0.1 mil)
    Quarterly return on equity: -0.13% (-$0.0 mil)
    Net income: -$0.1 mil
    Quarterly Net income: -$0.0 mil
    Pretax return on assets: -0.31% (-$190.7 mil)
    Quarterly Pretax return on assets: -0.60% (-$369.0 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)
  • $61,506Total assets
  • $4,694Cash and due from depository institutions
  • $345Interest-bearing balances
  • $7,638Securities
  • $4,160Federal funds sold & reverse repurchase agreements
  • $40,481Net loans & leases
  • $580Loan loss allowance
  • $0Trading account assets
  • $333Bank premises and fixed assets
  • $1,701Other real estate owned
  • $0Goodwill and other intangibles
  • $61,506Life insurance assets
  • $2,499All other assets
  • $52,405Total liabilities and capital
  • $45,374Total liabilities
  • $38,426Total deposits
  • $45,374Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $6,500Trading liabilities
  • $0Other borrowed funds
  • $531Subordinated debt
  • $9,101All other liabilities
  • $9,101Total equity capital
  • $9,101Total bank equity capital
  • $0Perpetual preferred stock
  • $400Common stock
  • $450Surplus
  • $8,251Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $6,785Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $963Income earned, not collected on loans
  • $0Earning assets
  • $341Long-term assets (5+ years)
  • $52,624Average Assets, year-to-date
  • $17,919Average Assets, quarterly
  • $57,720Volatile liabilities
  • $58,464Insider loans
  • $41,612FHLB advances
  • $58,201Loans and leases held for sale
  • $1,188Unused loan commitments
  • $1,188Tier 1 (core) risk-based capital
  • $8,987Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,406Restructured Loans and leases
  • $390Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,419Total interest income
  • $464Total interest expense
  • $1,955Net interest income
  • $729Provision for loan and lease losses
  • $193Total noninterest income
  • $0Fiduciary activities
  • $89Service charges on deposit accounts
  • $0Trading account gains & fees
  • $104Additional noninterest income
  • $1,599Total noninterest expense
  • $609Salaries and employee benefits
  • $170Premises and equipment expense
  • $820Additional noninterest expense
  • -$180Pre-tax net operating income
  • $1Securities gains (losses)
  • -$85Applicable income taxes
  • -$94Income before extraordinary items
  • $0Extraordinary gains - net
  • -$94Net income attributable to bank
  • $0Net charge-offs
  • -$94Cash dividends
  • $813Sale, conversion, retirement of capital stock, net
  • $195Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.85%Yield on earning assets
  • 0.93%Cost of funding earning assets
  • 3.92%Net interest margin
  • 0.39%Noninterest income to earning assets
  • 3.21%Noninterest expense to earning assets
  • -0.16%Net operating income to assets
  • -0.16%Return on assets (ROA)
  • -0.31%Pretax return on assets
  • -1.02%Return on equity (ROE)
  • -3.13%Retained earnings to average equity (YTD only)
  • 2.05%Net charge-offs to loans
  • 89.67%Credit loss provision to net charge-offs
  • 0.68%Efficiency ratio
  • 74,441Assets per employee
  • 4.73%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • -207.45%Loss allowance to loans
  • 1.41%Loss allowance to noncurrent loans
  • 60.23%Noncurrent assets plus other real estate owned to assets
  • 4.33%Noncurrent loans to loans
  • 2.35%Net loans and leases to deposits
  • 89.22%Net loans and leases to core deposits
  • 96.93%Equity capital to assets
  • 14.80%Core capital (leverage) ratio
  • 15.44%Tier 1 risk-based capital ratio
  • 21.60%Total risk-based capital ratio
  • Memoranda
  • $23Average assets
  • $57,720Average earning assets
  • $9,243Average equity
  • $49,850Average loans

Total Fiduciary and Related Assets (December 31, 2010)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $12Managed Assets
  • 1Number of Accounts
  • $12Personal trust and agency accounts
  • $12Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 2Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 1 Illinois Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09910National Bank Of Earlville137 South Main Street, Earlville, IL 60518December 03, 1938Full Service Brick and Mortar

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