Peoples National Bank of Kewanee in Kewanee, Illinois (IL)



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Peoples National Bank of Kewanee routing number info

Table of contents:
Peoples National Bank of Kewanee
GeneralFDIC 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
WWW: http://www.pnb-kewanee.com
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
LocationAddress: 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 ChangesOffice Purchased
Financial SummaryTotal 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)
Total employees (full-time equivalent)71
Total assets$251,987
Cash and due from depository institutions$40,475
Interest-bearing balances$29,936
Securities$97,071
Federal funds sold & reverse repurchase agreements$410
Net loans & leases$101,759
Loan loss allowance $1,869
Trading account assets$0
Bank premises and fixed assets$2,263
Other real estate owned$456
Goodwill and other intangibles$796
All other assets$8,757
Life insurance assets$251,987
Total liabilities and capital$212,157
Total liabilities$209,188
Total deposits$172,812
Interest-bearing deposits$209,188
Deposits held in domestic offices$86
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $2,969
All other liabilities $39,830
Total equity capital$39,830
Total bank equity capital$39,830
Perpetual preferred stock$0
Common stock$1,000
Surplus$5,566
Undivided profits $33,264
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 $770
Earning assets $0
Long-term assets (5+ years) $2,096
Average Assets, year-to-date $229,176
Average Assets, quarterly $91,252
Volatile liabilities $251,540
Insider loans $253,989
FHLB advances $169,195
Loans and leases held for sale $244,989
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $34,267
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $13,586
Derivatives$245
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $11,643
Total interest expense $1,998
Net interest income $9,645
Provision for loan and lease losses $575
Total noninterest income $710
Fiduciary activities $0
Service charges on deposit accounts $315
Trading account gains & fees $0
Additional noninterest income $395
Total noninterest expense $6,536
Salaries and employee benefits $3,928
Premises and equipment expense $1,231
Additional noninterest expense $1,377
Pre-tax net operating income $3,244
Securities gains (losses) -$237
Applicable income taxes $670
Income before extraordinary items $2,337
Extraordinary gains - net $0
Net income attributable to bank $2,337
Net charge-offs $0
Cash dividends $2,337
Sale, conversion, retirement of capital stock, net $877
Net operating income $857
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.10%
Cost of funding earning assets 0.87%
Net interest margin 4.22%
Noninterest income to earning assets 0.31%
Noninterest expense to earning assets 2.86%
Net operating income to assets 1.00%
Return on assets (ROA) 0.93%
Pretax return on assets 1.20%
Return on equity (ROE) 6.08%
Retained earnings to average equity (YTD only) 3.85%
Net charge-offs to loans 0.82%
Credit loss provision to net charge-offs 65.56%
Efficiency ratio4.35%
Assets per employee$62,984
Cash dividends to net income (YTD only)3.55%
Condition Ratios (%)
Loss allowance to loans 36.67%
Loss allowance to noncurrent loans 1.80%
Noncurrent assets plus other real estate owned to assets 242.73%
Noncurrent loans to loans 0.76%
Net loans and leases to deposits0.74%
Net loans and leases to core deposits 48.64%
Equity capital to assets 49.40%
Core capital (leverage) ratio 15.81%
Tier 1 risk-based capital ratio 13.99%
Total risk-based capital ratio 20.25%
Memoranda
Average assets$21
Average earning assets$251,540
Average equity $38,449
Average loans $228,415
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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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