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

The First National Bank of Brownstown - Overview

  • General
  • FDIC Certificate #: 3770
    Status: Active
    Federal Reserve ID: 207041
    Bank Holding Company (Regulatory Top Holder): First Brownstown Bancorp, Inc (RSSDID: 2199083, Location: Brownstown, IL)
    Date Established: June 01, 1913
    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: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 2434
    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: 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: 108 East Main Street, Brownstown, IL 62418
    County: Fayette
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Mount Vernon
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $33.6 mil
    Equity capital: $3.4 mil
    Deposits held in domestic offices: $29.1 mil
    Return on assets (ROA): 0.38% ($0.1 mil)
    Quarterly return on assets: 0.47% ($0.2 mil)
    Return on Equity (ROE): 3.84% ($0.1 mil)
    Quarterly return on equity: 4.64% ($0.1 mil)
    Net income: $0.1 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.41% ($137.6 mil)
    Quarterly Pretax return on assets: 0.52% ($174.6 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
  • 8Total employees (full-time equivalent)
  • $33,568Total assets
  • $4,904Cash and due from depository institutions
  • $3,049Interest-bearing balances
  • $11,452Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $15,848Net loans & leases
  • $318Loan loss allowance
  • $0Trading account assets
  • $359Bank premises and fixed assets
  • $40Other real estate owned
  • $0Goodwill and other intangibles
  • $33,568Life insurance assets
  • $965All other assets
  • $30,215Total liabilities and capital
  • $29,076Total liabilities
  • $25,611Total deposits
  • $29,076Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $832Trading liabilities
  • $0Other borrowed funds
  • $307Subordinated debt
  • $3,353All other liabilities
  • $3,353Total equity capital
  • $3,353Total bank equity capital
  • $0Perpetual preferred stock
  • $140Common stock
  • $224Surplus
  • $2,989Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $311Income earned, not collected on loans
  • $0Earning assets
  • $194Long-term assets (5+ years)
  • $30,349Average Assets, year-to-date
  • $5,782Average Assets, quarterly
  • $32,614Volatile liabilities
  • $33,339Insider loans
  • $18,687FHLB advances
  • $33,534Loans and leases held for sale
  • $649Unused loan commitments
  • $649Tier 1 (core) risk-based capital
  • $3,121Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $883Restructured Loans and leases
  • $212Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,229Total interest income
  • $344Total interest expense
  • $885Net interest income
  • $110Provision for loan and lease losses
  • $273Total noninterest income
  • $0Fiduciary activities
  • $196Service charges on deposit accounts
  • $0Trading account gains & fees
  • $77Additional noninterest income
  • $914Total noninterest expense
  • $402Salaries and employee benefits
  • $127Premises and equipment expense
  • $385Additional noninterest expense
  • $134Pre-tax net operating income
  • $1Securities gains (losses)
  • $10Applicable income taxes
  • $125Income before extraordinary items
  • $0Extraordinary gains - net
  • $125Net income attributable to bank
  • $0Net charge-offs
  • $125Cash dividends
  • $133Sale, conversion, retirement of capital stock, net
  • $28Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.23%Yield on earning assets
  • 1.19%Cost of funding earning assets
  • 3.05%Net interest margin
  • 0.94%Noninterest income to earning assets
  • 3.15%Noninterest expense to earning assets
  • 0.38%Net operating income to assets
  • 0.38%Return on assets (ROA)
  • 0.41%Pretax return on assets
  • 3.84%Return on equity (ROE)
  • 2.98%Retained earnings to average equity (YTD only)
  • 0.89%Net charge-offs to loans
  • 82.71%Credit loss provision to net charge-offs
  • 1.83%Efficiency ratio
  • 78,929Assets per employee
  • 4.20%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 22.40%Loss allowance to loans
  • 1.97%Loss allowance to noncurrent loans
  • 102.25%Noncurrent assets plus other real estate owned to assets
  • 1.05%Noncurrent loans to loans
  • 1.92%Net loans and leases to deposits
  • 54.51%Net loans and leases to core deposits
  • 55.74%Equity capital to assets
  • 9.99%Core capital (leverage) ratio
  • 9.31%Tier 1 risk-based capital ratio
  • 16.70%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $32,614Average earning assets
  • $3,256Average equity
  • $29,026Average loans

List of branches

  • 1 Illinois Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02434The First National Bank Of Brownstow108 East Main Street, Brownstown, IL 62418June 01, 1913Full Service Brick and Mortar

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