The Bradford National Bank of Greenville in Greenville, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Bradford National Bank of Greenville - Overview

  • General
  • FDIC Certificate #: 3799
    Status: Active
    Federal Reserve ID: 720746
    Bank Holding Company (Regulatory Top Holder): Bradford Bancorp, Inc. (RSSDID: 2456919, Location: Greenville, IL)
    Date Established: January 01, 1867
    Trust Powers Granted: Yes
    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 #: 2461
    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: 100 East College Avenue, Greenville, IL 62246
    County: Bond
    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
    Combined Statistical Area (CSA): St. Louis-St. Charles-Farmington, MO-IL (#476)
    Core Based Statistical Area (CBSA): St. Louis, MO-IL (#41180)
    CBSA Metro Statistical Area: St. Louis, MO-IL (#41180)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $225.1 mil
    Equity capital: $21.5 mil
    Deposits held in domestic offices: $197.4 mil
    Return on assets (ROA): 1.45% ($3.3 mil)
    Quarterly return on assets: 1.42% ($3.2 mil)
    Return on Equity (ROE): 16.48% ($3.5 mil)
    Quarterly return on equity: 15.11% ($3.2 mil)
    Net income: $3.2 mil
    Quarterly Net income: $0.8 mil
    Pretax return on assets: 1.47% ($3,309.1 mil)
    Quarterly Pretax return on assets: 1.46% ($3,286.6 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
  • 55Total employees (full-time equivalent)
  • $225,112Total assets
  • $9,469Cash and due from depository institutions
  • $6,995Interest-bearing balances
  • $82,382Securities
  • $516Federal funds sold & reverse repurchase agreements
  • $121,153Net loans & leases
  • $1,857Loan loss allowance
  • $0Trading account assets
  • $3,103Bank premises and fixed assets
  • $105Other real estate owned
  • $459Goodwill and other intangibles
  • $225,112Life insurance assets
  • $7,925All other assets
  • $203,647Total liabilities and capital
  • $197,387Total liabilities
  • $163,132Total deposits
  • $197,387Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $5,000Trading liabilities
  • $0Other borrowed funds
  • $1,260Subordinated debt
  • $21,465All other liabilities
  • $21,465Total equity capital
  • $21,465Total bank equity capital
  • $0Perpetual preferred stock
  • $800Common stock
  • $800Surplus
  • $19,865Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $344Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $989Income earned, not collected on loans
  • $0Earning assets
  • $1,223Long-term assets (5+ years)
  • $211,046Average Assets, year-to-date
  • $64,111Average Assets, quarterly
  • $222,669Volatile liabilities
  • $225,351Insider loans
  • $127,168FHLB advances
  • $225,299Loans and leases held for sale
  • $3,511Unused loan commitments
  • $3,511Tier 1 (core) risk-based capital
  • $19,279Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $11,471Restructured Loans and leases
  • $513Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $9,140Total interest income
  • $1,965Total interest expense
  • $7,175Net interest income
  • $265Provision for loan and lease losses
  • $1,215Total noninterest income
  • $3Fiduciary activities
  • $645Service charges on deposit accounts
  • $0Trading account gains & fees
  • $567Additional noninterest income
  • $5,210Total noninterest expense
  • $3,287Salaries and employee benefits
  • $833Premises and equipment expense
  • $1,090Additional noninterest expense
  • $2,915Pre-tax net operating income
  • $353Securities gains (losses)
  • $47Applicable income taxes
  • $3,221Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,221Net income attributable to bank
  • $0Net charge-offs
  • $3,221Cash dividends
  • $130Sale, conversion, retirement of capital stock, net
  • $1,011Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.38%Yield on earning assets
  • 0.94%Cost of funding earning assets
  • 3.44%Net interest margin
  • 0.58%Noninterest income to earning assets
  • 2.50%Noninterest expense to earning assets
  • 1.29%Net operating income to assets
  • 1.45%Return on assets (ROA)
  • 1.47%Pretax return on assets
  • 16.48%Return on equity (ROE)
  • 11.31%Retained earnings to average equity (YTD only)
  • 0.11%Net charge-offs to loans
  • 203.85%Credit loss provision to net charge-offs
  • 24.46%Efficiency ratio
  • 61,597Assets per employee
  • 4.09%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 31.39%Loss allowance to loans
  • 1.51%Loss allowance to noncurrent loans
  • 187.77%Noncurrent assets plus other real estate owned to assets
  • 0.49%Noncurrent loans to loans
  • 0.80%Net loans and leases to deposits
  • 61.38%Net loans and leases to core deposits
  • 63.69%Equity capital to assets
  • 9.54%Core capital (leverage) ratio
  • 8.56%Tier 1 risk-based capital ratio
  • 15.16%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $222,669Average earning assets
  • $19,548Average equity
  • $208,448Average loans

Total Fiduciary and Related Assets (December 31, 2008)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $3,466Managed Assets
  • 1Number of Accounts
  • $3,466Personal trust and agency accounts
  • $1,207Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $2,259Non-managed Assets
  • 7Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 4 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02461The Bradford National Bank Of Greenv100 East College Avenue, Greenville, IL 62246January 01, 1867Full Service Brick and Mortar
    1201930The Bradford Lane Branch600 South Idler Lane, Greenville, IL 62246August 07, 1989Full Service Brick and Mortar
    3365996Highland Branch - Bradford1100 Merantile Drive, Highland, IL 62249October 28, 2002Full Service Brick and Mortar
    4187763Marine Branch102 Duncan Street, Marine, IL 62061September 01, 1998Full Service Brick and Mortar

Comment about this bank, ask questions, or add new information about it:

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with The Bradford National Bank of Greenville.
Based on public records. Inadvertent errors are possible. does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents