The Anna -Jonesboro National Bank in Anna, Illinois (IL)



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The Anna -Jonesboro National Bank routing number info

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The Anna -Jonesboro National Bank
GeneralFDIC Certificate #: 3759
Status: Active
Federal Reserve ID: 855844
Bank Holding Company (Regulatory Top Holder): Union County Bancshares, Inc. (RSSDID: 1142877, Location: Anna, IL)
Date Established: January 01, 1900
WWW: http://www.ajnational.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: 4 (Domestic: 4, Interstate: No)
FDIC's unique #: 2424
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: January 01, 1934
Last Structure Change Effective Date: May 02, 2007
Last Structure Change Process Date: May 30, 2007
Last Data Update: May 30, 2007
Data Source Date: April 05, 2012
LocationAddress: 201 South Main Street, Anna, IL 62906
County: Union
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Mount Vernon
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Central
History of ChangesName Change
Office Purchased
Financial SummaryTotal assets: $231.7 mil
Equity capital: $27.9 mil
Deposits held in domestic offices: $200.3 mil
Return on assets (ROA): 0.90% ($2.1 mil)
Quarterly return on assets: 0.75% ($1.7 mil)
Return on Equity (ROE): 7.71% ($2.2 mil)
Quarterly return on equity: 6.19% ($1.7 mil)
Net income: $2.1 mil
Quarterly Net income: $0.4 mil
Pretax return on assets: 1.27% ($2,942.2 mil)
Quarterly Pretax return on assets: 1.18% ($2,733.7 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)58
Total assets$231,667
Cash and due from depository institutions$5,317
Interest-bearing balances$1,015
Securities$98,538
Federal funds sold & reverse repurchase agreements$426
Net loans & leases$120,240
Loan loss allowance $1,516
Trading account assets$0
Bank premises and fixed assets$2,801
Other real estate owned$14
Goodwill and other intangibles$96
All other assets$4,235
Life insurance assets$231,667
Total liabilities and capital$203,802
Total liabilities$200,262
Total deposits$173,651
Interest-bearing deposits$200,262
Deposits held in domestic offices$91
% insured (estimated)1000.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$1,000
Other borrowed funds $0
Subordinated debt $1,540
All other liabilities $27,865
Total equity capital$27,865
Total bank equity capital$27,865
Perpetual preferred stock$0
Common stock$450
Surplus$6,546
Undivided profits $20,869
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 $5,315
Earning assets $0
Long-term assets (5+ years) $799
Average Assets, year-to-date $220,219
Average Assets, quarterly $135,254
Volatile liabilities $230,224
Insider loans $233,192
FHLB advances $116,054
Loans and leases held for sale $233,402
Unused loan commitments $720
Tier 1 (core) risk-based capital $720
Tier 2 risk-based capital $26,103
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $3,171
Derivatives$1,740
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $10,612
Total interest expense $2,605
Net interest income $8,007
Provision for loan and lease losses $1,117
Total noninterest income $903
Fiduciary activities $0
Service charges on deposit accounts $499
Trading account gains & fees $0
Additional noninterest income $404
Total noninterest expense $5,053
Salaries and employee benefits $2,550
Premises and equipment expense $635
Additional noninterest expense $1,868
Pre-tax net operating income $2,740
Securities gains (losses) $185
Applicable income taxes $845
Income before extraordinary items $2,080
Extraordinary gains - net $0
Net income attributable to bank $2,080
Net charge-offs $0
Cash dividends $2,080
Sale, conversion, retirement of capital stock, net $936
Net operating income $1,096
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.85%
Cost of funding earning assets 1.19%
Net interest margin 3.66%
Noninterest income to earning assets 0.41%
Noninterest expense to earning assets 2.31%
Net operating income to assets 0.85%
Return on assets (ROA) 0.90%
Pretax return on assets 1.27%
Return on equity (ROE) 7.71%
Retained earnings to average equity (YTD only) 3.65%
Net charge-offs to loans 0.76%
Credit loss provision to net charge-offs 119.34%
Efficiency ratio4.12%
Assets per employee$56,510
Cash dividends to net income (YTD only)3.99%
Condition Ratios (%)
Loss allowance to loans 52.69%
Loss allowance to noncurrent loans 1.25%
Noncurrent assets plus other real estate owned to assets 28.52%
Noncurrent loans to loans 2.30%
Net loans and leases to deposits4.37%
Net loans and leases to core deposits 60.04%
Equity capital to assets 68.29%
Core capital (leverage) ratio 12.03%
Tier 1 risk-based capital ratio 11.18%
Total risk-based capital ratio 22.49%
Memoranda
Average assets$24
Average earning assets$230,224
Average equity $26,984
Average loans $218,799
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4 Illinois Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
02424The Anna -jonesboro National Bank201 South Main Street, Anna, IL 62906January 01, 1900Full Service Brick and Mortar
2201881East Vienna Drive-In Facility512 East Vienna Street, Anna, IL 62906December 15, 1978Limited Service Facility
32465Jonesboro Branch1002 Public Square, Jonesboro, IL 62952January 01, 1893Limited Service Facility
4201936Anna Branch151 Leigh Avenue, Anna, IL 62906May 27, 1999Limited Service Facility
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