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

The First National Bank of Raymond - Overview

  • General
  • FDIC Certificate #: 3830
    Status: Active
    Federal Reserve ID: 421445
    Bank Holding Company (Regulatory Top Holder): Raymond Bancorp, Inc. (RSSDID: 1131303, Location: Raymond, IL)
    Date Established: October 01, 1903
    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: 6 (Domestic: 6, Interstate: No)
    OTS Docket #: 12205
    FDIC's unique #: 2490
    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: 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: 403 East Broad Street, Raymond, IL 62560
    County: Montgomery
    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
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $136.4 mil
    Equity capital: $13.8 mil
    Deposits held in domestic offices: $120.6 mil
    Return on assets (ROA): 1.13% ($1.5 mil)
    Quarterly return on assets: 1.00% ($1.4 mil)
    Return on Equity (ROE): 11.75% ($1.6 mil)
    Quarterly return on equity: 9.86% ($1.4 mil)
    Net income: $1.5 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.14% ($1,554.8 mil)
    Quarterly Pretax return on assets: 1.03% ($1,404.7 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
  • 38Total employees (full-time equivalent)
  • $136,383Total assets
  • $2,960Cash and due from depository institutions
  • $138Interest-bearing balances
  • $51,168Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $77,585Net loans & leases
  • $620Loan loss allowance
  • $0Trading account assets
  • $1,456Bank premises and fixed assets
  • $156Other real estate owned
  • $261Goodwill and other intangibles
  • $136,383Life insurance assets
  • $2,797All other assets
  • $122,623Total liabilities and capital
  • $120,598Total liabilities
  • $99,125Total deposits
  • $120,598Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 1841.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $184Subordinated debt
  • $13,760All other liabilities
  • $13,760Total equity capital
  • $13,760Total bank equity capital
  • $0Perpetual preferred stock
  • $520Common stock
  • $4,150Surplus
  • $9,090Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $206Income earned, not collected on loans
  • $0Earning assets
  • $1,613Long-term assets (5+ years)
  • $128,891Average Assets, year-to-date
  • $50,328Average Assets, quarterly
  • $133,168Volatile liabilities
  • $136,973Insider loans
  • $110,487FHLB advances
  • $136,240Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $12,413Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $18,821Restructured Loans and leases
  • $2,763Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,678Total interest income
  • $1,219Total interest expense
  • $4,459Net interest income
  • $154Provision for loan and lease losses
  • $667Total noninterest income
  • $0Fiduciary activities
  • $380Service charges on deposit accounts
  • $0Trading account gains & fees
  • $287Additional noninterest income
  • $3,614Total noninterest expense
  • $1,780Salaries and employee benefits
  • $395Premises and equipment expense
  • $1,439Additional noninterest expense
  • $1,358Pre-tax net operating income
  • $162Securities gains (losses)
  • $13Applicable income taxes
  • $1,507Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,507Net income attributable to bank
  • $0Net charge-offs
  • $1,507Cash dividends
  • $257Sale, conversion, retirement of capital stock, net
  • $600Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.55%Yield on earning assets
  • 0.98%Cost of funding earning assets
  • 3.57%Net interest margin
  • 0.53%Noninterest income to earning assets
  • 2.89%Noninterest expense to earning assets
  • 1.01%Net operating income to assets
  • 1.13%Return on assets (ROA)
  • 1.14%Pretax return on assets
  • 11.75%Return on equity (ROE)
  • 7.07%Retained earnings to average equity (YTD only)
  • 0.34%Net charge-offs to loans
  • 59.92%Credit loss provision to net charge-offs
  • 5.88%Efficiency ratio
  • 70,503Assets per employee
  • 3.59%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 39.81%Loss allowance to loans
  • 0.79%Loss allowance to noncurrent loans
  • 300.97%Noncurrent assets plus other real estate owned to assets
  • 0.27%Noncurrent loans to loans
  • 0.26%Net loans and leases to deposits
  • 64.33%Net loans and leases to core deposits
  • 67.81%Equity capital to assets
  • 10.09%Core capital (leverage) ratio
  • 9.11%Tier 1 risk-based capital ratio
  • 11.23%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $133,168Average earning assets
  • $12,821Average equity
  • $124,879Average loans

List of branches

  • 6 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02490The First National Bank Of Raymond403 East Broad Street, Raymond, IL 62560October 01, 1903Full Service Brick and Mortar
    1201970Pawnee Branch623 Seventh Street, Pawnee, IL 62558May 04, 1992Full Service Brick and Mortar
    413460Virden Branch103 South Springfield Street, Virden, IL 62690October 31, 1966Full Service Brick and Mortar
    5249175Mini Drive-Up Facility405 North Springfield Street, Virden, IL 62690August 12, 1976Limited Service Facility
    6201971North Route Branch625 North Third St, Girard, IL 62640December 05, 1994Full Service Brick and Mortar
    7201972Morrisonville Branch401 Sarpy St, Morrisonville, IL 62546December 12, 1994Full Service Brick and Mortar

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