Oakdale State Bank in Oakdale, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches


Oakdale State Bank - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Change in Location
  • Financial Summary
  • Total 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
  • 6Total employees (full-time equivalent)
  • $18,616Total assets
  • $1,028Cash and due from depository institutions
  • $503Interest-bearing balances
  • $4,400Securities
  • $189Federal funds sold & reverse repurchase agreements
  • $12,449Net loans & leases
  • $135Loan loss allowance
  • $0Trading account assets
  • $385Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $18,616Life insurance assets
  • $165All other assets
  • $16,999Total liabilities and capital
  • $16,797Total liabilities
  • $14,891Total deposits
  • $16,797Interest-bearing deposits
  • $99Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $202Subordinated debt
  • $1,617All other liabilities
  • $1,617Total equity capital
  • $1,617Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $500Surplus
  • $1,017Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $109Income earned, not collected on loans
  • $0Earning assets
  • $101Long-term assets (5+ years)
  • $17,541Average Assets, year-to-date
  • $3,576Average Assets, quarterly
  • $19,091Volatile liabilities
  • $19,191Insider loans
  • $12,781FHLB advances
  • $19,175Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $1,531Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $505Restructured Loans and leases
  • $117Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $835Total interest income
  • $148Total interest expense
  • $687Net interest income
  • $6Provision for loan and lease losses
  • $77Total noninterest income
  • $0Fiduciary activities
  • $41Service charges on deposit accounts
  • $0Trading account gains & fees
  • $36Additional noninterest income
  • $547Total noninterest expense
  • $296Salaries and employee benefits
  • $76Premises and equipment expense
  • $175Additional noninterest expense
  • $211Pre-tax net operating income
  • $0Securities gains (losses)
  • $43Applicable income taxes
  • $168Income before extraordinary items
  • $0Extraordinary gains - net
  • $168Net income attributable to bank
  • $0Net charge-offs
  • $168Cash dividends
  • $1Sale, conversion, retirement of capital stock, net
  • $60Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.64%Yield on earning assets
  • 0.82%Cost of funding earning assets
  • 3.82%Net interest margin
  • 0.43%Noninterest income to earning assets
  • 3.04%Noninterest expense to earning assets
  • 0.88%Net operating income to assets
  • 0.88%Return on assets (ROA)
  • 1.11%Pretax return on assets
  • 10.86%Return on equity (ROE)
  • 6.98%Retained earnings to average equity (YTD only)
  • 0.01%Net charge-offs to loans
  • 600.00%Credit loss provision to net charge-offs
  • 217.00%Efficiency ratio
  • 71,597Assets per employee
  • 3.10%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 35.71%Loss allowance to loans
  • 1.07%Loss allowance to noncurrent loans
  • 123.85%Noncurrent assets plus other real estate owned to assets
  • 0.59%Noncurrent loans to loans
  • 0.87%Net loans and leases to deposits
  • 74.11%Net loans and leases to core deposits
  • 76.86%Equity capital to assets
  • 8.69%Core capital (leverage) ratio
  • 7.98%Tier 1 risk-based capital ratio
  • 11.98%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $19,091Average earning assets
  • $1,547Average equity
  • $17,979Average loans

List of branches

  • 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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