Oakdale State Bank in Oakdale, Illinois (IL)



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Oakdale State Bank routing number info

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Oakdale State Bank
GeneralFDIC Certificate #: 11300
Status: Active
Federal Reserve ID: 332345
Date Established: December 28, 1920
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 1 (Domestic: 1, Interstate: No)
FDIC's unique #: 7214
Numeric code: 21
Regulator: FDIC
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: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: Agricultural Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: July 02, 2007
Last Structure Change Process Date: July 02, 2007
Last Data Update: July 02, 2007
Data Source Date: April 05, 2012
LocationAddress: 86 North Weigh Street, Oakdale, IL 62268
County: Washington
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 ChangesChange in Location
Financial SummaryTotal assets: $18.6 mil
Equity capital: $1.6 mil
Deposits held in domestic offices: $16.8 mil
Return on assets (ROA): 0.88% ($0.2 mil)
Quarterly return on assets: 1.10% ($0.2 mil)
Return on Equity (ROE): 10.86% ($0.2 mil)
Quarterly return on equity: 13.02% ($0.3 mil)
Net income: $0.2 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: 1.11% ($206.6 mil)
Quarterly Pretax return on assets: 1.67% ($310.9 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)
Total employees (full-time equivalent)6
Total assets$18,616
Cash and due from depository institutions$1,028
Interest-bearing balances$503
Securities$4,400
Federal funds sold & reverse repurchase agreements$189
Net loans & leases$12,449
Loan loss allowance $135
Trading account assets$0
Bank premises and fixed assets$385
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$165
Life insurance assets$18,616
Total liabilities and capital$16,999
Total liabilities$16,797
Total deposits$14,891
Interest-bearing deposits$16,797
Deposits held in domestic offices$99
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $202
All other liabilities $1,617
Total equity capital$1,617
Total bank equity capital$1,617
Perpetual preferred stock$0
Common stock$100
Surplus$500
Undivided profits $1,017
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $109
Earning assets $0
Long-term assets (5+ years) $101
Average Assets, year-to-date $17,541
Average Assets, quarterly $3,576
Volatile liabilities $19,091
Insider loans $19,191
FHLB advances $12,781
Loans and leases held for sale $19,175
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $1,531
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $505
Derivatives$117
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $835
Total interest expense $148
Net interest income $687
Provision for loan and lease losses $6
Total noninterest income $77
Fiduciary activities $0
Service charges on deposit accounts $41
Trading account gains & fees $0
Additional noninterest income $36
Total noninterest expense $547
Salaries and employee benefits $296
Premises and equipment expense $76
Additional noninterest expense $175
Pre-tax net operating income $211
Securities gains (losses) $0
Applicable income taxes $43
Income before extraordinary items $168
Extraordinary gains - net $0
Net income attributable to bank $168
Net charge-offs $0
Cash dividends $168
Sale, conversion, retirement of capital stock, net $1
Net operating income $60
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.64%
Cost of funding earning assets 0.82%
Net interest margin 3.82%
Noninterest income to earning assets 0.43%
Noninterest expense to earning assets 3.04%
Net operating income to assets 0.88%
Return on assets (ROA) 0.88%
Pretax return on assets 1.11%
Return on equity (ROE) 10.86%
Retained earnings to average equity (YTD only) 6.98%
Net charge-offs to loans 0.01%
Credit loss provision to net charge-offs 600.00%
Efficiency ratio217.00%
Assets per employee$71,597
Cash dividends to net income (YTD only)3.10%
Condition Ratios (%)
Loss allowance to loans 35.71%
Loss allowance to noncurrent loans 1.07%
Noncurrent assets plus other real estate owned to assets 123.85%
Noncurrent loans to loans 0.59%
Net loans and leases to deposits0.87%
Net loans and leases to core deposits 74.11%
Equity capital to assets 76.86%
Core capital (leverage) ratio 8.69%
Tier 1 risk-based capital ratio 7.98%
Total risk-based capital ratio 11.98%
Memoranda
Average assets$13
Average earning assets$19,091
Average equity $1,547
Average loans $17,979
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1 Illinois Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
07214Oakdale State Bank86 North Weigh Street, Oakdale, IL 62268December 28, 1920Full Service Brick and Mortar
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