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

Prairie National Bank - Overview

  • General
  • FDIC Certificate #: 3741
    Status: Active
    Federal Reserve ID: 408147
    Bank Holding Company (Regulatory Top Holder): Prairie Financial Bancorp, Inc. (RSSDID: 2339898, Location: Stewardson, IL)
    Date Established: August 04, 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: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 2406
    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: Yes
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    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: 110 East Main Street, Stewardson, IL 62463
    County: Shelby
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Champaign
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $54.5 mil
    Equity capital: $5.5 mil
    Deposits held in domestic offices: $47.9 mil
    Return on assets (ROA): 0.45% ($0.2 mil)
    Quarterly return on assets: 0.69% ($0.4 mil)
    Return on Equity (ROE): 4.87% ($0.3 mil)
    Quarterly return on equity: 7.00% ($0.4 mil)
    Net income: $0.3 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.45% ($245.5 mil)
    Quarterly Pretax return on assets: 0.69% ($376.4 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
  • 19Total employees (full-time equivalent)
  • $54,545Total assets
  • $2,502Cash and due from depository institutions
  • $779Interest-bearing balances
  • $21,629Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $28,115Net loans & leases
  • $302Loan loss allowance
  • $0Trading account assets
  • $1,019Bank premises and fixed assets
  • $367Other real estate owned
  • $0Goodwill and other intangibles
  • $54,545Life insurance assets
  • $913All other assets
  • $49,019Total liabilities and capital
  • $47,926Total liabilities
  • $41,018Total deposits
  • $47,926Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,000Trading liabilities
  • $0Other borrowed funds
  • $93Subordinated debt
  • $5,526All other liabilities
  • $5,526Total equity capital
  • $5,526Total bank equity capital
  • $0Perpetual preferred stock
  • $50Common stock
  • $500Surplus
  • $4,976Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $290Long-term assets (5+ years)
  • $50,523Average Assets, year-to-date
  • $13,472Average Assets, quarterly
  • $56,128Volatile liabilities
  • $56,042Insider loans
  • $33,719FHLB advances
  • $57,023Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $4,930Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,716Restructured Loans and leases
  • $200Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,324Total interest income
  • $611Total interest expense
  • $1,713Net interest income
  • $219Provision for loan and lease losses
  • $222Total noninterest income
  • $0Fiduciary activities
  • $123Service charges on deposit accounts
  • $0Trading account gains & fees
  • $99Additional noninterest income
  • $1,583Total noninterest expense
  • $849Salaries and employee benefits
  • $239Premises and equipment expense
  • $495Additional noninterest expense
  • $133Pre-tax net operating income
  • $120Securities gains (losses)
  • $0Applicable income taxes
  • $253Income before extraordinary items
  • $0Extraordinary gains - net
  • $253Net income attributable to bank
  • $0Net charge-offs
  • $253Cash dividends
  • $367Sale, conversion, retirement of capital stock, net
  • $200Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.48%Yield on earning assets
  • 1.18%Cost of funding earning assets
  • 3.30%Net interest margin
  • 0.43%Noninterest income to earning assets
  • 3.05%Noninterest expense to earning assets
  • 0.24%Net operating income to assets
  • 0.45%Return on assets (ROA)
  • 0.45%Pretax return on assets
  • 4.87%Return on equity (ROE)
  • 1.02%Retained earnings to average equity (YTD only)
  • 1.24%Net charge-offs to loans
  • 59.67%Credit loss provision to net charge-offs
  • 0.96%Efficiency ratio
  • 81,809Assets per employee
  • 2.87%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 79.05%Loss allowance to loans
  • 1.06%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.67%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 58.66%Net loans and leases to core deposits
  • 60.67%Equity capital to assets
  • 10.13%Core capital (leverage) ratio
  • 8.65%Tier 1 risk-based capital ratio
  • 14.62%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $56,128Average earning assets
  • $5,196Average equity
  • $51,891Average loans

List of branches

  • 2 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02406Prairie National Bank110 East Main Street, Stewardson, IL 62463August 04, 1928Full Service Brick and Mortar
    1359858Effingham Branch210 East Fayette Avenue, Effingham, IL 62401April 16, 2001Full Service Brick and Mortar

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