The Farmers Bank of Liberty in Liberty, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Farmers Bank of Liberty - Overview

  • General
  • FDIC Certificate #: 11719
    Status: Active
    Federal Reserve ID: 371942
    Bank Holding Company (Regulatory Top Holder): Fbl Bancshares, Inc. (RSSDID: 1100297, Location: Liberty, IL)
    Date Established: June 23, 1903
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 12285
    FDIC's unique #: 7493
    Numeric code: 21
    Regulator: FDIC
    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: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Agricultural 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: 1002 North Main Street, Liberty, IL 62347
    County: Adams
    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): Quincy, IL-MO (#39500)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $75.7 mil
    Equity capital: $6.7 mil
    Deposits held in domestic offices: $68.2 mil
    Return on assets (ROA): 1.22% ($0.9 mil)
    Quarterly return on assets: 0.98% ($0.7 mil)
    Return on Equity (ROE): 14.36% ($1.0 mil)
    Quarterly return on equity: 10.86% ($0.8 mil)
    Net income: $0.9 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.84% ($1,393.2 mil)
    Quarterly Pretax return on assets: 1.46% ($1,105.5 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
  • 25Total employees (full-time equivalent)
  • $75,718Total assets
  • $5,491Cash and due from depository institutions
  • $1,203Interest-bearing balances
  • $19,585Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $46,324Net loans & leases
  • $483Loan loss allowance
  • $0Trading account assets
  • $1,727Bank premises and fixed assets
  • $44Other real estate owned
  • $18Goodwill and other intangibles
  • $75,718Life insurance assets
  • $2,529All other assets
  • $68,989Total liabilities and capital
  • $68,246Total liabilities
  • $60,854Total deposits
  • $68,246Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $743Subordinated debt
  • $6,729All other liabilities
  • $6,729Total equity capital
  • $6,729Total bank equity capital
  • $0Perpetual preferred stock
  • $112Common stock
  • $388Surplus
  • $6,229Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $589Income earned, not collected on loans
  • $0Earning assets
  • $680Long-term assets (5+ years)
  • $67,112Average Assets, year-to-date
  • $13,948Average Assets, quarterly
  • $74,595Volatile liabilities
  • $75,409Insider loans
  • $50,554FHLB advances
  • $75,627Loans and leases held for sale
  • $1,435Unused loan commitments
  • $1,435Tier 1 (core) risk-based capital
  • $6,318Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,834Restructured Loans and leases
  • $66Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,691Total interest income
  • $870Total interest expense
  • $2,821Net interest income
  • $24Provision for loan and lease losses
  • $441Total noninterest income
  • $0Fiduciary activities
  • $280Service charges on deposit accounts
  • $0Trading account gains & fees
  • $161Additional noninterest income
  • $1,863Total noninterest expense
  • $1,151Salaries and employee benefits
  • $160Premises and equipment expense
  • $552Additional noninterest expense
  • $1,375Pre-tax net operating income
  • $0Securities gains (losses)
  • $462Applicable income taxes
  • $913Income before extraordinary items
  • $0Extraordinary gains - net
  • $913Net income attributable to bank
  • $0Net charge-offs
  • $913Cash dividends
  • $19Sale, conversion, retirement of capital stock, net
  • $327Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.57%Yield on earning assets
  • 1.31%Cost of funding earning assets
  • 4.25%Net interest margin
  • 0.67%Noninterest income to earning assets
  • 2.81%Noninterest expense to earning assets
  • 1.22%Net operating income to assets
  • 1.22%Return on assets (ROA)
  • 1.84%Pretax return on assets
  • 14.36%Return on equity (ROE)
  • 9.22%Retained earnings to average equity (YTD only)
  • 0.04%Net charge-offs to loans
  • 126.32%Credit loss provision to net charge-offs
  • 73.63%Efficiency ratio
  • 56,806Assets per employee
  • 3.03%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 35.82%Loss allowance to loans
  • 1.03%Loss allowance to noncurrent loans
  • 82.00%Noncurrent assets plus other real estate owned to assets
  • 0.84%Noncurrent loans to loans
  • 1.26%Net loans and leases to deposits
  • 67.88%Net loans and leases to core deposits
  • 71.96%Equity capital to assets
  • 8.89%Core capital (leverage) ratio
  • 8.35%Tier 1 risk-based capital ratio
  • 12.50%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $74,595Average earning assets
  • $6,356Average equity
  • $66,301Average loans

List of branches

  • 3 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07493The Farmers Bank Of Liberty1002 North Main Street, Liberty, IL 62347June 23, 1903Full Service Brick and Mortar
    1225480Barry Branch1001 Highway 106, Barry, IL 62312August 07, 1995Full Service Brick and Mortar
    2225481Payson Facility402 West State Street, Payson, IL 62360October 01, 1998Full Service Brick and Mortar

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