The Farmers State Bank and Trust Company in Jacksonville, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Farmers State Bank and Trust Company - Overview

  • General
  • FDIC Certificate #: 11747
    Status: Active
    Federal Reserve ID: 481944
    Bank Holding Company (Regulatory Top Holder): Farmers Holding Company (RSSDID: 1099793, Location: Jacksonville, IL)
    Date Established: January 01, 1910
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 11417
    FDIC's unique #: 7512
    Numeric code: 21
    Regulator: FDIC
    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: 200 West State Street, 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: $184.8 mil
    Equity capital: $21.3 mil
    Deposits held in domestic offices: $154.5 mil
    Return on assets (ROA): 0.23% ($0.4 mil)
    Quarterly return on assets: 0.16% ($0.3 mil)
    Return on Equity (ROE): 2.01% ($0.4 mil)
    Quarterly return on equity: 1.37% ($0.3 mil)
    Net income: $0.4 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.03% ($55.4 mil)
    Quarterly Pretax return on assets: -0.10% (-$184.8 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
  • 62Total employees (full-time equivalent)
  • $184,798Total assets
  • $6,549Cash and due from depository institutions
  • $57Interest-bearing balances
  • $61,548Securities
  • $10,776Federal funds sold & reverse repurchase agreements
  • $92,387Net loans & leases
  • $1,635Loan loss allowance
  • $0Trading account assets
  • $4,651Bank premises and fixed assets
  • $1,548Other real estate owned
  • $0Goodwill and other intangibles
  • $184,798Life insurance assets
  • $7,339All other assets
  • $163,541Total liabilities and capital
  • $154,487Total liabilities
  • $124,407Total deposits
  • $154,487Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 7863.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,191Subordinated debt
  • $21,257All other liabilities
  • $21,257Total equity capital
  • $21,257Total bank equity capital
  • $0Perpetual preferred stock
  • $1,500Common stock
  • $3,072Surplus
  • $16,685Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $377Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,447Income earned, not collected on loans
  • $0Earning assets
  • $970Long-term assets (5+ years)
  • $164,768Average Assets, year-to-date
  • $35,984Average Assets, quarterly
  • $181,293Volatile liabilities
  • $182,242Insider loans
  • $123,483FHLB advances
  • $184,236Loans and leases held for sale
  • $4,674Unused loan commitments
  • $4,674Tier 1 (core) risk-based capital
  • $21,022Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $17,134Restructured Loans and leases
  • $941Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,780Total interest income
  • $1,301Total interest expense
  • $5,479Net interest income
  • $620Provision for loan and lease losses
  • $1,900Total noninterest income
  • $706Fiduciary activities
  • $330Service charges on deposit accounts
  • $0Trading account gains & fees
  • $864Additional noninterest income
  • $6,711Total noninterest expense
  • $3,542Salaries and employee benefits
  • $626Premises and equipment expense
  • $2,543Additional noninterest expense
  • $48Pre-tax net operating income
  • $7Securities gains (losses)
  • -$370Applicable income taxes
  • $425Income before extraordinary items
  • $0Extraordinary gains - net
  • $425Net income attributable to bank
  • $0Net charge-offs
  • $425Cash dividends
  • $434Sale, conversion, retirement of capital stock, net
  • $349Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.19%Yield on earning assets
  • 0.80%Cost of funding earning assets
  • 3.39%Net interest margin
  • 1.17%Noninterest income to earning assets
  • 4.15%Noninterest expense to earning assets
  • 0.23%Net operating income to assets
  • 0.23%Return on assets (ROA)
  • 0.03%Pretax return on assets
  • 2.01%Return on equity (ROE)
  • 0.36%Retained earnings to average equity (YTD only)
  • 0.45%Net charge-offs to loans
  • 142.86%Credit loss provision to net charge-offs
  • 1.54%Efficiency ratio
  • 90,947Assets per employee
  • 2.98%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 82.12%Loss allowance to loans
  • 1.74%Loss allowance to noncurrent loans
  • 112.99%Noncurrent assets plus other real estate owned to assets
  • 1.62%Noncurrent loans to loans
  • 1.54%Net loans and leases to deposits
  • 59.80%Net loans and leases to core deposits
  • 60.33%Equity capital to assets
  • 11.50%Core capital (leverage) ratio
  • 11.41%Tier 1 risk-based capital ratio
  • 17.02%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $181,293Average earning assets
  • $21,180Average equity
  • $161,735Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $148,450Managed Assets
  • 1Number of Accounts
  • $137,338Personal trust and agency accounts
  • $78,463Employee benefit-defined contribution accounts
  • $664Employee benefit-defined benefit accounts
  • $5,399Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $32,979Other fiduciary accounts
  • $19,833Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 325Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $11,112Other retirement accounts
  • $2,928Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $6,856Fiduciary accounts held in foreign offices

List of branches

  • 2 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07512The Farmers State Bank And Trust Com200 West State Street, Jacksonville, IL 62650January 01, 1910Full Service Brick and Mortar
    2225502West Morton Road Facility1718 West Morton Road, Jacksonville, IL 62650December 14, 1976Full 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 Farmers State Bank and Trust Company.
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