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

The First National Bank of Kinmundy - Overview

  • General
  • FDIC Certificate #: 3805
    Status: Active
    Federal Reserve ID: 489249
    Bank Holding Company (Regulatory Top Holder): South Central Bancorp, Inc. (RSSDID: 3674710, Location: Kimmundy, IL)
    Date Established: Febuary 02, 1902
    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 #: 2466
    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: Second And Madison Streets, Kinmundy, IL 62854
    County: Marion
    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
    Core Based Statistical Area (CBSA): Centralia, IL (#16460)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $36.7 mil
    Equity capital: $4.7 mil
    Deposits held in domestic offices: $31.4 mil
    Return on assets (ROA): 2.19% ($0.8 mil)
    Quarterly return on assets: 2.43% ($0.9 mil)
    Return on Equity (ROE): 17.80% ($0.9 mil)
    Quarterly return on equity: 19.08% ($1.0 mil)
    Net income: $0.8 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 3.32% ($1,219.6 mil)
    Quarterly Pretax return on assets: 3.68% ($1,351.8 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
  • 9Total employees (full-time equivalent)
  • $36,735Total assets
  • $2,405Cash and due from depository institutions
  • $485Interest-bearing balances
  • $6,462Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $25,697Net loans & leases
  • $189Loan loss allowance
  • $0Trading account assets
  • $86Bank premises and fixed assets
  • $0Other real estate owned
  • $1,475Goodwill and other intangibles
  • $36,735Life insurance assets
  • $610All other assets
  • $31,992Total liabilities and capital
  • $31,415Total liabilities
  • $23,957Total deposits
  • $31,415Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 400.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $177Subordinated debt
  • $4,743All other liabilities
  • $4,743Total equity capital
  • $4,743Total bank equity capital
  • $0Perpetual preferred stock
  • $50Common stock
  • $4,167Surplus
  • $526Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $21Income earned, not collected on loans
  • $0Earning assets
  • $249Long-term assets (5+ years)
  • $32,644Average Assets, year-to-date
  • $5,432Average Assets, quarterly
  • $36,261Volatile liabilities
  • $36,894Insider loans
  • $22,006FHLB advances
  • $36,198Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $3,149Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,196Restructured Loans and leases
  • $126Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,079Total interest income
  • $227Total interest expense
  • $1,852Net interest income
  • $45Provision for loan and lease losses
  • $285Total noninterest income
  • $0Fiduciary activities
  • $123Service charges on deposit accounts
  • $0Trading account gains & fees
  • $162Additional noninterest income
  • $933Total noninterest expense
  • $634Salaries and employee benefits
  • $100Premises and equipment expense
  • $199Additional noninterest expense
  • $1,159Pre-tax net operating income
  • $44Securities gains (losses)
  • $409Applicable income taxes
  • $794Income before extraordinary items
  • $0Extraordinary gains - net
  • $794Net income attributable to bank
  • $0Net charge-offs
  • $794Cash dividends
  • $7Sale, conversion, retirement of capital stock, net
  • $280Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.43%Yield on earning assets
  • 0.70%Cost of funding earning assets
  • 5.73%Net interest margin
  • 0.88%Noninterest income to earning assets
  • 2.89%Noninterest expense to earning assets
  • 2.11%Net operating income to assets
  • 2.19%Return on assets (ROA)
  • 3.32%Pretax return on assets
  • 17.80%Return on equity (ROE)
  • 11.52%Retained earnings to average equity (YTD only)
  • 0.03%Net charge-offs to loans
  • 642.86%Credit loss provision to net charge-offs
  • 172.00%Efficiency ratio
  • 43,659Assets per employee
  • 4.08%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 35.26%Loss allowance to loans
  • 0.73%Loss allowance to noncurrent loans
  • 900.00%Noncurrent assets plus other real estate owned to assets
  • 0.06%Noncurrent loans to loans
  • 0.08%Net loans and leases to deposits
  • 81.80%Net loans and leases to core deposits
  • 84.21%Equity capital to assets
  • 12.91%Core capital (leverage) ratio
  • 8.70%Tier 1 risk-based capital ratio
  • 14.31%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $36,261Average earning assets
  • $4,461Average equity
  • $32,313Average loans

List of branches

  • 1 Illinois Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02466The First National Bank Of KinmundySecond And Madison Streets, Kinmundy, IL 62854Febuary 02, 1902Full Service Brick and Mortar

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