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

  • Peoples National Bank of Kewanee in Kewanee, Illinois (IL)
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Peoples National Bank of Kewanee - Overview

  • General
  • FDIC Certificate #: 926
    Status: Active
    Federal Reserve ID: 823133
    Bank Holding Company (Regulatory Top Holder): Peoples Financial Corp. Of Illinois, Inc. (RSSDID: 1491801, Location: Kewanee, IL)
    Date Established: March 01, 1928
    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: 7 (Domestic: 7, Interstate: No)
    FDIC's unique #: 601
    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: January 01, 1934
    Last Structure Change Effective Date: June 06, 2008
    Last Structure Change Process Date: July 18, 2008
    Last Data Update: July 18, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 207 North Tremont Street, Kewanee, IL 61443
    County: Henry
    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
    Metropolitan Statistical Area (MSA): Davenport-Moline-Rock Island, IA-IL (#1960)
    Core Based Statistical Area (CBSA): Davenport-Moline-Rock Island, IA-IL (#19340)
    CBSA Metro Statistical Area: Davenport-Moline-Rock Island, IA-IL (#19340)
  • History of Changes
  • Office Purchased
  • Financial Summary
  • Total assets: $252.0 mil
    Equity capital: $39.8 mil
    Deposits held in domestic offices: $209.2 mil
    Return on assets (ROA): 0.93% ($2.3 mil)
    Quarterly return on assets: 0.99% ($2.5 mil)
    Return on Equity (ROE): 6.08% ($2.4 mil)
    Quarterly return on equity: 6.35% ($2.5 mil)
    Net income: $2.3 mil
    Quarterly Net income: $0.6 mil
    Pretax return on assets: 1.20% ($3,023.8 mil)
    Quarterly Pretax return on assets: 1.09% ($2,746.7 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
  • 71Total employees (full-time equivalent)
  • $251,987Total assets
  • $40,475Cash and due from depository institutions
  • $29,936Interest-bearing balances
  • $97,071Securities
  • $410Federal funds sold & reverse repurchase agreements
  • $101,759Net loans & leases
  • $1,869Loan loss allowance
  • $0Trading account assets
  • $2,263Bank premises and fixed assets
  • $456Other real estate owned
  • $796Goodwill and other intangibles
  • $251,987Life insurance assets
  • $8,757All other assets
  • $212,157Total liabilities and capital
  • $209,188Total liabilities
  • $172,812Total deposits
  • $209,188Interest-bearing deposits
  • $86Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $2,969Subordinated debt
  • $39,830All other liabilities
  • $39,830Total equity capital
  • $39,830Total bank equity capital
  • $0Perpetual preferred stock
  • $1,000Common stock
  • $5,566Surplus
  • $33,264Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $770Income earned, not collected on loans
  • $0Earning assets
  • $2,096Long-term assets (5+ years)
  • $229,176Average Assets, year-to-date
  • $91,252Average Assets, quarterly
  • $251,540Volatile liabilities
  • $253,989Insider loans
  • $169,195FHLB advances
  • $244,989Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $34,267Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $13,586Restructured Loans and leases
  • $245Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $11,643Total interest income
  • $1,998Total interest expense
  • $9,645Net interest income
  • $575Provision for loan and lease losses
  • $710Total noninterest income
  • $0Fiduciary activities
  • $315Service charges on deposit accounts
  • $0Trading account gains & fees
  • $395Additional noninterest income
  • $6,536Total noninterest expense
  • $3,928Salaries and employee benefits
  • $1,231Premises and equipment expense
  • $1,377Additional noninterest expense
  • $3,244Pre-tax net operating income
  • -$237Securities gains (losses)
  • $670Applicable income taxes
  • $2,337Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,337Net income attributable to bank
  • $0Net charge-offs
  • $2,337Cash dividends
  • $877Sale, conversion, retirement of capital stock, net
  • $857Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.10%Yield on earning assets
  • 0.87%Cost of funding earning assets
  • 4.22%Net interest margin
  • 0.31%Noninterest income to earning assets
  • 2.86%Noninterest expense to earning assets
  • 1.00%Net operating income to assets
  • 0.93%Return on assets (ROA)
  • 1.20%Pretax return on assets
  • 6.08%Return on equity (ROE)
  • 3.85%Retained earnings to average equity (YTD only)
  • 0.82%Net charge-offs to loans
  • 65.56%Credit loss provision to net charge-offs
  • 4.35%Efficiency ratio
  • 62,984Assets per employee
  • 3.55%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 36.67%Loss allowance to loans
  • 1.80%Loss allowance to noncurrent loans
  • 242.73%Noncurrent assets plus other real estate owned to assets
  • 0.76%Noncurrent loans to loans
  • 0.74%Net loans and leases to deposits
  • 48.64%Net loans and leases to core deposits
  • 49.40%Equity capital to assets
  • 15.81%Core capital (leverage) ratio
  • 13.99%Tier 1 risk-based capital ratio
  • 20.25%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $251,540Average earning assets
  • $38,449Average equity
  • $228,415Average loans

List of branches

  • 7 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0601Peoples National Bank Of Kewanee207 North Tremont Street, Kewanee, IL 61443March 01, 1928Full Service Brick and Mortar
    1186672South Tenney Facility737 South Tenney Street, Kewanee, IL 61443November 25, 1977Limited Service Facility
    29233Bradford Branch179 West Main, Bradford, IL 61421January 01, 1920Full Service Brick and Mortar
    3186673Sheffield Banking Center Branch238 West Railroad, Sheffield, IL 61361December 01, 1997Full Service Brick and Mortar
    6471475Annawan Banking Center Branch111 North Canal Street, Annawan, IL 61234September 17, 2007Full Service Brick and Mortar
    72372Manlius Branch109 W Maple Ave, Manlius, IL 61338January 01, 1902Full Service Brick and Mortar
    810689Tampico Branch112/120 Main Street, West Side, Tampico, IL 61283Febuary 01, 1947Full Service Brick and Mortar

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