The First National Bank of Sandoval in Sandoval, Illinois (IL)

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The First National Bank of Sandoval routing number info

Table of contents:
The First National Bank of Sandoval
GeneralFDIC Certificate #: 3834
Status: Active
Federal Reserve ID: 122546
Bank Holding Company (Regulatory Top Holder): First Sandoval Bancorp, Inc. (RSSDID: 1139523, Location: Sandoval, IL)
Date Established: June 01, 1910
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 #: 2494
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: No
Subchapter S Corporations: Yes
Asset Concentration Hierarchy: All Other Specialization < 1 Billion
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: June 01, 2010
Last Structure Change Process Date: June 01, 2010
Last Data Update: June 01, 2010
Data Source Date: April 05, 2012
LocationAddress: 302 North Main Street, Sandoval, IL 62882
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 ChangesChange in Location
Financial SummaryTotal assets: $48.3 mil
Equity capital: $4.4 mil
Deposits held in domestic offices: $42.3 mil
Return on assets (ROA): 0.79% ($0.4 mil)
Quarterly return on assets: 1.04% ($0.5 mil)
Return on Equity (ROE): 9.53% ($0.4 mil)
Quarterly return on equity: 11.53% ($0.5 mil)
Net income: $0.4 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: 0.79% ($381.4 mil)
Quarterly Pretax return on assets: 1.04% ($502.1 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)
Total employees (full-time equivalent)11
Total assets$48,276
Cash and due from depository institutions$2,441
Interest-bearing balances$121
Federal funds sold & reverse repurchase agreements$4,300
Net loans & leases$20,717
Loan loss allowance $271
Trading account assets$0
Bank premises and fixed assets$73
Other real estate owned$38
Goodwill and other intangibles$0
All other assets$2,486
Life insurance assets$48,276
Total liabilities and capital$43,890
Total liabilities$42,291
Total deposits$34,211
Interest-bearing deposits$42,291
Deposits held in domestic offices$95
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$1,500
Other borrowed funds $0
Subordinated debt $99
All other liabilities $4,386
Total equity capital$4,386
Total bank equity capital$4,386
Perpetual preferred stock$0
Common stock$50
Undivided profits $4,136
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $356
Earning assets $0
Long-term assets (5+ years) $193
Average Assets, year-to-date $43,359
Average Assets, quarterly $17,953
Volatile liabilities $48,030
Insider loans $48,219
FHLB advances $22,197
Loans and leases held for sale $48,441
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $3,979
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $53
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $2,209
Total interest expense $811
Net interest income $1,398
Provision for loan and lease losses $30
Total noninterest income $234
Fiduciary activities $0
Service charges on deposit accounts $117
Trading account gains & fees $0
Additional noninterest income $117
Total noninterest expense $1,224
Salaries and employee benefits $612
Premises and equipment expense $81
Additional noninterest expense $531
Pre-tax net operating income $378
Securities gains (losses) $1
Applicable income taxes $0
Income before extraordinary items $379
Extraordinary gains - net $0
Net income attributable to bank $379
Net charge-offs $0
Cash dividends $379
Sale, conversion, retirement of capital stock, net $46
Net operating income $112
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.14%
Cost of funding earning assets 1.89%
Net interest margin 3.25%
Noninterest income to earning assets 0.54%
Noninterest expense to earning assets 2.85%
Net operating income to assets 0.79%
Return on assets (ROA) 0.79%
Pretax return on assets 0.79%
Return on equity (ROE) 9.53%
Retained earnings to average equity (YTD only) 6.71%
Net charge-offs to loans 0.22%
Credit loss provision to net charge-offs 65.22%
Efficiency ratio8.87%
Assets per employee$75,000
Cash dividends to net income (YTD only)4.39%
Condition Ratios (%)
Loss allowance to loans 29.55%
Loss allowance to noncurrent loans 1.29%
Noncurrent assets plus other real estate owned to assets 76.12%
Noncurrent loans to loans 0.82%
Net loans and leases to deposits1.70%
Net loans and leases to core deposits 48.99%
Equity capital to assets 49.79%
Core capital (leverage) ratio 9.09%
Tier 1 risk-based capital ratio 8.21%
Total risk-based capital ratio 17.93%
Average assets$19
Average earning assets$48,030
Average equity $3,977
Average loans $42,971
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1 Illinois Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
02494The First National Bank Of Sandoval302 North Main Street, Sandoval, IL 62882June 01, 1910Full Service Brick and Mortar
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