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

The First National Bank of Beardstown - Overview

  • General
  • FDIC Certificate #: 3607
    Status: Active
    Federal Reserve ID: 368933
    Bank Holding Company (Regulatory Top Holder): Mascouten Bancorp, Inc. (RSSDID: 1839177, Location: Beardstown, IL)
    Date Established: Febuary 24, 1887
    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: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 2297
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: July 02, 2009
    Last Structure Change Process Date: July 06, 2009
    Last Data Update: July 06, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 300 Washington Street, Beardstown, IL 62618
    County: Cass
    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
  • History of Changes
  • Participated in FDIC Assisted Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $104.2 mil
    Equity capital: $10.8 mil
    Deposits held in domestic offices: $93.0 mil
    Return on assets (ROA): 0.99% ($1.0 mil)
    Quarterly return on assets: 1.04% ($1.1 mil)
    Return on Equity (ROE): 9.00% ($1.0 mil)
    Quarterly return on equity: 9.70% ($1.1 mil)
    Net income: $1.0 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 0.99% ($1,031.7 mil)
    Quarterly Pretax return on assets: 1.04% ($1,083.8 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
  • 40Total employees (full-time equivalent)
  • $104,216Total assets
  • $10,161Cash and due from depository institutions
  • $5,428Interest-bearing balances
  • $13,425Securities
  • $3,454Federal funds sold & reverse repurchase agreements
  • $72,693Net loans & leases
  • $561Loan loss allowance
  • $0Trading account assets
  • $2,345Bank premises and fixed assets
  • $24Other real estate owned
  • $613Goodwill and other intangibles
  • $104,216Life insurance assets
  • $1,501All other assets
  • $93,394Total liabilities and capital
  • $92,984Total liabilities
  • $77,364Total deposits
  • $92,984Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $410Subordinated debt
  • $10,822All other liabilities
  • $10,822Total equity capital
  • $10,822Total bank equity capital
  • $0Perpetual preferred stock
  • $400Common stock
  • $650Surplus
  • $9,772Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $342Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $554Income earned, not collected on loans
  • $0Earning assets
  • $1,180Long-term assets (5+ years)
  • $95,000Average Assets, year-to-date
  • $29,358Average Assets, quarterly
  • $97,871Volatile liabilities
  • $101,613Insider loans
  • $73,628FHLB advances
  • $101,954Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $9,975Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $5,732Restructured Loans and leases
  • $955Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,429Total interest income
  • $554Total interest expense
  • $3,875Net interest income
  • $154Provision for loan and lease losses
  • $637Total noninterest income
  • $92Fiduciary activities
  • $327Service charges on deposit accounts
  • $0Trading account gains & fees
  • $218Additional noninterest income
  • $3,393Total noninterest expense
  • $1,838Salaries and employee benefits
  • $512Premises and equipment expense
  • $1,043Additional noninterest expense
  • $965Pre-tax net operating income
  • $8Securities gains (losses)
  • $5Applicable income taxes
  • $968Income before extraordinary items
  • $0Extraordinary gains - net
  • $968Net income attributable to bank
  • $0Net charge-offs
  • $968Cash dividends
  • $152Sale, conversion, retirement of capital stock, net
  • $600Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.98%Yield on earning assets
  • 0.62%Cost of funding earning assets
  • 4.36%Net interest margin
  • 0.72%Noninterest income to earning assets
  • 3.82%Noninterest expense to earning assets
  • 0.98%Net operating income to assets
  • 0.99%Return on assets (ROA)
  • 0.99%Pretax return on assets
  • 9.00%Return on equity (ROE)
  • 3.42%Retained earnings to average equity (YTD only)
  • 0.22%Net charge-offs to loans
  • 101.32%Credit loss provision to net charge-offs
  • 7.36%Efficiency ratio
  • 75,199Assets per employee
  • 2.61%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 61.98%Loss allowance to loans
  • 0.77%Loss allowance to noncurrent loans
  • 101.26%Noncurrent assets plus other real estate owned to assets
  • 0.55%Noncurrent loans to loans
  • 0.76%Net loans and leases to deposits
  • 78.18%Net loans and leases to core deposits
  • 99.42%Equity capital to assets
  • 10.38%Core capital (leverage) ratio
  • 9.78%Tier 1 risk-based capital ratio
  • 13.55%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $97,871Average earning assets
  • $10,752Average equity
  • $88,915Average 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
  • $21,688Managed Assets
  • 1Number of Accounts
  • $19,667Personal trust and agency accounts
  • $19,664Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $3Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 55Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $2,021Other retirement accounts
  • $1,690Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 3 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02297The First National Bank Of Beardstow300 Washington Street, Beardstown, IL 62618Febuary 24, 1887Full Service Brick and Mortar
    17487First National Bank Of Winchester Br1 N Side Sq, Winchester, IL 62694November 12, 1867Full Service Brick and Mortar
    2225475Murrayville Branch101 East Purcell, Murrayville, IL 62668August 11, 1998Full Service Brick and Mortar

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