Premier Bank of Jacksonville in Jacksonville, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches


Premier Bank of Jacksonville - Overview

  • General
  • FDIC Certificate #: 10868
    Status: Active
    Federal Reserve ID: 35842
    Bank Holding Company (Regulatory Top Holder): West Plains Investors, Inc. (RSSDID: 2301907, Location: Jacksonville, IL)
    Date Established: January 01, 1873
    WWW: http://www.premierbanksonline.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 13591
    FDIC's unique #: 6953
    Numeric code: 13
    Regulator: FED
    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: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    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: 1604 West Morton Avenue, Jacksonville, IL 62650
    County: Morgan
    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
    Core Based Statistical Area (CBSA): Jacksonville, IL (#27300)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $225.7 mil
    Equity capital: $16.7 mil
    Deposits held in domestic offices: $198.3 mil
    Return on assets (ROA): 1.27% ($2.9 mil)
    Quarterly return on assets: 1.02% ($2.3 mil)
    Return on Equity (ROE): 16.61% ($2.8 mil)
    Quarterly return on equity: 13.80% ($2.3 mil)
    Net income: $2.4 mil
    Quarterly Net income: $0.6 mil
    Pretax return on assets: 2.29% ($5,167.6 mil)
    Quarterly Pretax return on assets: 2.30% ($5,190.2 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
  • 38Total employees (full-time equivalent)
  • $225,660Total assets
  • $6,475Cash and due from depository institutions
  • $5,088Interest-bearing balances
  • $49,610Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $159,325Net loans & leases
  • $2,528Loan loss allowance
  • $0Trading account assets
  • $4,240Bank premises and fixed assets
  • $0Other real estate owned
  • $791Goodwill and other intangibles
  • $225,660Life insurance assets
  • $5,219All other assets
  • $208,926Total liabilities and capital
  • $198,349Total liabilities
  • $184,358Total deposits
  • $198,349Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $9,000Trading liabilities
  • $0Other borrowed funds
  • $1,577Subordinated debt
  • $16,734All other liabilities
  • $16,734Total equity capital
  • $16,734Total bank equity capital
  • $0Perpetual preferred stock
  • $270Common stock
  • $8,217Surplus
  • $8,247Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $581Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,557Income earned, not collected on loans
  • $0Earning assets
  • $3,044Long-term assets (5+ years)
  • $214,023Average Assets, year-to-date
  • $61,518Average Assets, quarterly
  • $185,968Volatile liabilities
  • $216,780Insider loans
  • $162,389FHLB advances
  • $217,453Loans and leases held for sale
  • $955Unused loan commitments
  • $955Tier 1 (core) risk-based capital
  • $16,076Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $12,832Restructured Loans and leases
  • $1,550Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $10,739Total interest income
  • $2,153Total interest expense
  • $8,586Net interest income
  • $1,480Provision for loan and lease losses
  • $1,063Total noninterest income
  • $0Fiduciary activities
  • $587Service charges on deposit accounts
  • $0Trading account gains & fees
  • $476Additional noninterest income
  • $3,930Total noninterest expense
  • $1,952Salaries and employee benefits
  • $470Premises and equipment expense
  • $1,508Additional noninterest expense
  • $4,239Pre-tax net operating income
  • $27Securities gains (losses)
  • $1,897Applicable income taxes
  • $2,369Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,369Net income attributable to bank
  • $0Net charge-offs
  • $2,369Cash dividends
  • $334Sale, conversion, retirement of capital stock, net
  • $70Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.13%Yield on earning assets
  • 1.23%Cost of funding earning assets
  • 4.90%Net interest margin
  • 0.61%Noninterest income to earning assets
  • 2.24%Noninterest expense to earning assets
  • 1.26%Net operating income to assets
  • 1.27%Return on assets (ROA)
  • 2.29%Pretax return on assets
  • 16.61%Return on equity (ROE)
  • 16.12%Retained earnings to average equity (YTD only)
  • 0.24%Net charge-offs to loans
  • 443.11%Credit loss provision to net charge-offs
  • 17.12%Efficiency ratio
  • 40,730Assets per employee
  • 5.94%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 2.95%Loss allowance to loans
  • 1.56%Loss allowance to noncurrent loans
  • 162.36%Noncurrent assets plus other real estate owned to assets
  • 0.69%Noncurrent loans to loans
  • 0.96%Net loans and leases to deposits
  • 80.33%Net loans and leases to core deposits
  • 101.42%Equity capital to assets
  • 7.42%Core capital (leverage) ratio
  • 7.39%Tier 1 risk-based capital ratio
  • 9.90%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $185,968Average earning assets
  • $14,260Average equity
  • $175,258Average loans

List of branches

  • 4 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06953Premier Bank Of Jacksonville1604 West Morton Avenue, Jacksonville, IL 62650January 01, 1873Full Service Brick and Mortar
    2360579White Hall Branch300 Third Avenue North, White Hall, IL 62092June 28, 2001Full Service Brick and Mortar
    3423162South Miller Street Branch203 South Miller Street, Waverly, IL 62692August 15, 2003Full Service Brick and Mortar
    4452961Edwardsville Branch10 Terra Verde, Edwardsville, IL 62025November 07, 2005Full Service Brick and Mortar

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