The First National Bank in Staunton in Staunton, Illinois (IL)

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The First National Bank in Staunton
GeneralFDIC Certificate #: 14924
Status: Active
Federal Reserve ID: 126740
Bank Holding Company (Regulatory Top Holder): First Staunton Bancshares, Inc. (RSSDID: 1902754, Location: Staunton, IL)
Date Established: December 12, 1934
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: 10 (Domestic: 10, Interstate: No)
FDIC's unique #: 9349
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: Commercial Lending Specialization
Date of Deposit Insurance: December 17, 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
LocationAddress: 115 South Elm Street, Staunton, IL 62088
County: Macoupin
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
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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $480.2 mil
Equity capital: $53.9 mil
Deposits held in domestic offices: $396.5 mil
Return on assets (ROA): 1.26% ($6.0 mil)
Quarterly return on assets: 1.11% ($5.3 mil)
Return on Equity (ROE): 11.59% ($6.3 mil)
Quarterly return on equity: 10.00% ($5.4 mil)
Net income: $5.8 mil
Quarterly Net income: $1.3 mil
Pretax return on assets: 1.27% ($6,098.1 mil)
Quarterly Pretax return on assets: 1.12% ($5,377.9 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)134
Total assets$480,166
Cash and due from depository institutions$29,296
Interest-bearing balances$19,786
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$290,487
Loan loss allowance $6,810
Trading account assets$0
Bank premises and fixed assets$9,848
Other real estate owned$538
Goodwill and other intangibles$4,208
All other assets$6,817
Life insurance assets$480,166
Total liabilities and capital$426,251
Total liabilities$396,483
Total deposits$334,197
Interest-bearing deposits$396,483
Deposits held in domestic offices$90
% insured (estimated)27303.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $2,465
All other liabilities $53,915
Total equity capital$53,915
Total bank equity capital$53,915
Perpetual preferred stock$0
Common stock$375
Undivided profits $49,513
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $2,441
Income earned, not collected on loans $2,949
Earning assets $0
Long-term assets (5+ years) $2,060
Average Assets, year-to-date $449,245
Average Assets, quarterly $161,668
Volatile liabilities $466,050
Insider loans $478,120
FHLB advances $302,271
Loans and leases held for sale $471,419
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $46,379
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $20,921
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $20,375
Total interest expense $4,184
Net interest income $16,191
Provision for loan and lease losses $2,215
Total noninterest income $3,813
Fiduciary activities $0
Service charges on deposit accounts $1,560
Trading account gains & fees $0
Additional noninterest income $2,253
Total noninterest expense $12,490
Salaries and employee benefits $6,668
Premises and equipment expense $1,327
Additional noninterest expense $4,495
Pre-tax net operating income $5,299
Securities gains (losses) $625
Applicable income taxes $74
Income before extraordinary items $5,850
Extraordinary gains - net $0
Net income attributable to bank $5,850
Net charge-offs $0
Cash dividends $5,850
Sale, conversion, retirement of capital stock, net $820
Net operating income $2,375
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.66%
Cost of funding earning assets 0.96%
Net interest margin 3.71%
Noninterest income to earning assets 0.87%
Noninterest expense to earning assets 2.86%
Net operating income to assets 1.12%
Return on assets (ROA) 1.26%
Pretax return on assets 1.27%
Return on equity (ROE) 11.59%
Retained earnings to average equity (YTD only) 6.88%
Net charge-offs to loans 0.29%
Credit loss provision to net charge-offs 270.12%
Efficiency ratio9.16%
Assets per employee$61,218
Cash dividends to net income (YTD only)3.58%
Condition Ratios (%)
Loss allowance to loans 40.60%
Loss allowance to noncurrent loans 2.29%
Noncurrent assets plus other real estate owned to assets 230.93%
Noncurrent loans to loans 0.73%
Net loans and leases to deposits0.99%
Net loans and leases to core deposits 73.27%
Equity capital to assets 74.08%
Core capital (leverage) ratio 11.23%
Tier 1 risk-based capital ratio 9.84%
Total risk-based capital ratio 15.34%
Average assets$17
Average earning assets$466,050
Average equity $50,479
Average loans $436,836
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10 Illinois Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
09349The First National Bank In Staunton115 South Elm Street, Staunton, IL 62088December 12, 1934Full Service Brick and Mortar
1232444Livingston Facility482 Park Street, Livingston, IL 62058December 26, 1984Full Service Brick and Mortar
2232445Worden Facility200 Wall Street, Worden, IL 62097Febuary 01, 1988Full Service Brick and Mortar
343370Benld Branch218 East Central Ave, Benld, IL 62009January 01, 1921Full Service Brick and Mortar
4278474Bethalto Branch704 Texas Street, Bethalto, IL 62010January 01, 1937Full Service Brick and Mortar
5232446First National Bank - Holiday Shores7301 St. James Road, Edwardsville, IL 62025July 01, 1996Full Service Brick and Mortar
6232447Troy Banking Center Branch304 Bargraves Blvd, Troy, IL 62294March 22, 1999Full Service Brick and Mortar
711753Hamel State Bank Branch105 East State Street, Hamel, IL 62046September 16, 1957Full Service Brick and Mortar
8242838Maryville Branch2623 N Center Street, Maryville, IL 62062May 08, 1997Full Service Brick and Mortar
9441723Mt. Olive Banking Center Branch801 West Main Street, Mount Olive, IL 62069March 29, 2005Full Service Brick and Mortar
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