The First National Bank in Staunton in Staunton, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

The First National Bank in Staunton - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 134Total employees (full-time equivalent)
  • $480,166Total assets
  • $29,296Cash and due from depository institutions
  • $19,786Interest-bearing balances
  • $138,972Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $290,487Net loans & leases
  • $6,810Loan loss allowance
  • $0Trading account assets
  • $9,848Bank premises and fixed assets
  • $538Other real estate owned
  • $4,208Goodwill and other intangibles
  • $480,166Life insurance assets
  • $6,817All other assets
  • $426,251Total liabilities and capital
  • $396,483Total liabilities
  • $334,197Total deposits
  • $396,483Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 27303.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $2,465Subordinated debt
  • $53,915All other liabilities
  • $53,915Total equity capital
  • $53,915Total bank equity capital
  • $0Perpetual preferred stock
  • $375Common stock
  • $4,027Surplus
  • $49,513Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $2,441Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,949Income earned, not collected on loans
  • $0Earning assets
  • $2,060Long-term assets (5+ years)
  • $449,245Average Assets, year-to-date
  • $161,668Average Assets, quarterly
  • $466,050Volatile liabilities
  • $478,120Insider loans
  • $302,271FHLB advances
  • $471,419Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $46,379Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $20,921Restructured Loans and leases
  • $486Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $20,375Total interest income
  • $4,184Total interest expense
  • $16,191Net interest income
  • $2,215Provision for loan and lease losses
  • $3,813Total noninterest income
  • $0Fiduciary activities
  • $1,560Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,253Additional noninterest income
  • $12,490Total noninterest expense
  • $6,668Salaries and employee benefits
  • $1,327Premises and equipment expense
  • $4,495Additional noninterest expense
  • $5,299Pre-tax net operating income
  • $625Securities gains (losses)
  • $74Applicable income taxes
  • $5,850Income before extraordinary items
  • $0Extraordinary gains - net
  • $5,850Net income attributable to bank
  • $0Net charge-offs
  • $5,850Cash dividends
  • $820Sale, conversion, retirement of capital stock, net
  • $2,375Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.66%Yield on earning assets
  • 0.96%Cost of funding earning assets
  • 3.71%Net interest margin
  • 0.87%Noninterest income to earning assets
  • 2.86%Noninterest expense to earning assets
  • 1.12%Net operating income to assets
  • 1.26%Return on assets (ROA)
  • 1.27%Pretax return on assets
  • 11.59%Return on equity (ROE)
  • 6.88%Retained earnings to average equity (YTD only)
  • 0.29%Net charge-offs to loans
  • 270.12%Credit loss provision to net charge-offs
  • 9.16%Efficiency ratio
  • 61,218Assets per employee
  • 3.58%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 40.60%Loss allowance to loans
  • 2.29%Loss allowance to noncurrent loans
  • 230.93%Noncurrent assets plus other real estate owned to assets
  • 0.73%Noncurrent loans to loans
  • 0.99%Net loans and leases to deposits
  • 73.27%Net loans and leases to core deposits
  • 74.08%Equity capital to assets
  • 11.23%Core capital (leverage) ratio
  • 9.84%Tier 1 risk-based capital ratio
  • 15.34%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $466,050Average earning assets
  • $50,479Average equity
  • $436,836Average loans

List of branches

  • 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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