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

Pekin National Bank - Overview

  • General
  • FDIC Certificate #: 19430
    Status: Active
    Federal Reserve ID: 864341
    Bank Holding Company (Regulatory Top Holder): Pnb Bancshares, Inc. (RSSDID: 3183913, Location: Pekin, IL)
    Date Established: May 08, 1965
    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: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 13233
    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: No
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: May 08, 1965
    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: 333 Court Street, Pekin, IL 61554
    County: Tazewell
    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): Peoria-Pekin, IL (#6120)
    Combined Statistical Area (CSA): Peoria-Canton, IL (#426)
    Core Based Statistical Area (CBSA): Peoria, IL (#37900)
    CBSA Metro Statistical Area: Peoria, IL (#37900)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $23.9 mil
    Equity capital: $3.2 mil
    Deposits held in domestic offices: $19.0 mil
    Return on assets (ROA): 0.58% ($0.1 mil)
    Quarterly return on assets: -1.11% (-$0.3 mil)
    Return on Equity (ROE): 4.29% ($0.1 mil)
    Quarterly return on equity: -8.14% (-$0.2 mil)
    Net income: $0.1 mil
    Quarterly Net income: -$0.1 mil
    Pretax return on assets: 0.86% ($205.7 mil)
    Quarterly Pretax return on assets: -2.06% (-$492.8 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
  • 10Total employees (full-time equivalent)
  • $23,924Total assets
  • $1,352Cash and due from depository institutions
  • $501Interest-bearing balances
  • $13,359Securities
  • $10Federal funds sold & reverse repurchase agreements
  • $8,308Net loans & leases
  • $130Loan loss allowance
  • $0Trading account assets
  • $452Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $23,924Life insurance assets
  • $443All other assets
  • $20,725Total liabilities and capital
  • $19,018Total liabilities
  • $15,108Total deposits
  • $19,018Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,650Trading liabilities
  • $0Other borrowed funds
  • $57Subordinated debt
  • $3,199All other liabilities
  • $3,199Total equity capital
  • $3,199Total bank equity capital
  • $0Perpetual preferred stock
  • $220Common stock
  • $1,000Surplus
  • $1,979Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $78Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $188Income earned, not collected on loans
  • $0Earning assets
  • $89Long-term assets (5+ years)
  • $22,178Average Assets, year-to-date
  • $15,591Average Assets, quarterly
  • $23,808Volatile liabilities
  • $23,859Insider loans
  • $12,082FHLB advances
  • $23,636Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $3,212Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $771Restructured Loans and leases
  • $30Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $985Total interest income
  • $135Total interest expense
  • $850Net interest income
  • $101Provision for loan and lease losses
  • $57Total noninterest income
  • $0Fiduciary activities
  • $40Service charges on deposit accounts
  • $0Trading account gains & fees
  • $17Additional noninterest income
  • $942Total noninterest expense
  • $503Salaries and employee benefits
  • $116Premises and equipment expense
  • $323Additional noninterest expense
  • -$136Pre-tax net operating income
  • $341Securities gains (losses)
  • $68Applicable income taxes
  • $137Income before extraordinary items
  • $0Extraordinary gains - net
  • $137Net income attributable to bank
  • $0Net charge-offs
  • $137Cash dividends
  • $168Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.47%Yield on earning assets
  • 0.61%Cost of funding earning assets
  • 3.86%Net interest margin
  • 0.26%Noninterest income to earning assets
  • 4.27%Noninterest expense to earning assets
  • -0.38%Net operating income to assets
  • 0.58%Return on assets (ROA)
  • 0.86%Pretax return on assets
  • 4.29%Return on equity (ROE)
  • 4.29%Retained earnings to average equity (YTD only)
  • 1.74%Net charge-offs to loans
  • 60.12%Credit loss provision to net charge-offs
  • -0.21%Efficiency ratio
  • 103,859Assets per employee
  • 2.39%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.54%Loss allowance to noncurrent loans
  • 69.15%Noncurrent assets plus other real estate owned to assets
  • 0.79%Noncurrent loans to loans
  • 2.23%Net loans and leases to deposits
  • 43.68%Net loans and leases to core deposits
  • 49.93%Equity capital to assets
  • 13.37%Core capital (leverage) ratio
  • 13.59%Tier 1 risk-based capital ratio
  • 26.59%Total risk-based capital ratio
  • Memoranda
  • $28Average assets
  • $23,808Average earning assets
  • $3,195Average equity
  • $22,038Average loans

List of branches

  • 3 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    013233Pekin National Bank333 Court Street, Pekin, IL 61554May 08, 1965Full Service Brick and Mortar
    1248309Drive-In South Facility336 Margaret Street, Pekin, IL 61554July 26, 1968Limited Service Facility
    2248310Park-Sheridan Facility2121 Sheridan Road, Pekin, IL 61554Febuary 05, 1979Limited Service Facility

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