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

  • The First National Bank of Okawville in Okawville, Illinois (IL)
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The First National Bank of Okawville - Overview

  • General
  • FDIC Certificate #: 3826
    Status: Active
    Federal Reserve ID: 333940
    Date Established: June 26, 1920
    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)
    OTS Docket #: 15548
    FDIC's unique #: 2486
    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: 203 East Walnut Street, Okawville, IL 62271
    County: Washington
    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: $54.0 mil
    Equity capital: $6.1 mil
    Deposits held in domestic offices: $47.2 mil
    Return on assets (ROA): 0.73% ($0.4 mil)
    Quarterly return on assets: 0.62% ($0.3 mil)
    Return on Equity (ROE): 6.45% ($0.4 mil)
    Quarterly return on equity: 5.38% ($0.3 mil)
    Net income: $0.4 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.64% ($345.9 mil)
    Quarterly Pretax return on assets: 0.41% ($221.6 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
  • 15Total employees (full-time equivalent)
  • $54,050Total assets
  • $3,927Cash and due from depository institutions
  • $1,506Interest-bearing balances
  • $28,049Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $20,394Net loans & leases
  • $127Loan loss allowance
  • $0Trading account assets
  • $334Bank premises and fixed assets
  • $681Other real estate owned
  • $0Goodwill and other intangibles
  • $54,050Life insurance assets
  • $665All other assets
  • $47,948Total liabilities and capital
  • $47,217Total liabilities
  • $35,615Total deposits
  • $47,217Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 574.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $157Subordinated debt
  • $6,102All other liabilities
  • $6,102Total equity capital
  • $6,102Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $200Surplus
  • $5,702Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $364Long-term assets (5+ years)
  • $49,949Average Assets, year-to-date
  • $20,979Average Assets, quarterly
  • $53,217Volatile liabilities
  • $52,706Insider loans
  • $30,996FHLB advances
  • $52,619Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $6,038Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $5,132Restructured Loans and leases
  • $2,213Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,011Total interest income
  • $537Total interest expense
  • $1,474Net interest income
  • $0Provision for loan and lease losses
  • $103Total noninterest income
  • $0Fiduciary activities
  • $72Service charges on deposit accounts
  • $0Trading account gains & fees
  • $31Additional noninterest income
  • $1,311Total noninterest expense
  • $775Salaries and employee benefits
  • $168Premises and equipment expense
  • $368Additional noninterest expense
  • $266Pre-tax net operating income
  • $73Securities gains (losses)
  • -$47Applicable income taxes
  • $386Income before extraordinary items
  • $0Extraordinary gains - net
  • $386Net income attributable to bank
  • $0Net charge-offs
  • $386Cash dividends
  • $23Sale, conversion, retirement of capital stock, net
  • $166Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.06%Yield on earning assets
  • 1.08%Cost of funding earning assets
  • 2.97%Net interest margin
  • 0.21%Noninterest income to earning assets
  • 2.65%Noninterest expense to earning assets
  • 0.59%Net operating income to assets
  • 0.73%Return on assets (ROA)
  • 0.64%Pretax return on assets
  • 6.45%Return on equity (ROE)
  • 3.68%Retained earnings to average equity (YTD only)
  • 0.11%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 11.57%Efficiency ratio
  • 83,133Assets per employee
  • 3.60%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 43.01%Loss allowance to loans
  • 0.62%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 1.26%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 43.19%Net loans and leases to core deposits
  • 43.47%Equity capital to assets
  • 11.29%Core capital (leverage) ratio
  • 11.47%Tier 1 risk-based capital ratio
  • 19.48%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $53,217Average earning assets
  • $5,983Average equity
  • $49,564Average loans

List of branches

  • 1 Illinois Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02486The First National Bank Of Okawville203 East Walnut Street, Okawville, IL 62271June 26, 1920Full Service Brick and Mortar

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