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

The First National Bank of Sandoval - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Change in Location
  • Financial Summary
  • Total 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
  • 11Total employees (full-time equivalent)
  • $48,276Total assets
  • $2,441Cash and due from depository institutions
  • $121Interest-bearing balances
  • $18,221Securities
  • $4,300Federal funds sold & reverse repurchase agreements
  • $20,717Net loans & leases
  • $271Loan loss allowance
  • $0Trading account assets
  • $73Bank premises and fixed assets
  • $38Other real estate owned
  • $0Goodwill and other intangibles
  • $48,276Life insurance assets
  • $2,486All other assets
  • $43,890Total liabilities and capital
  • $42,291Total liabilities
  • $34,211Total deposits
  • $42,291Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,500Trading liabilities
  • $0Other borrowed funds
  • $99Subordinated debt
  • $4,386All other liabilities
  • $4,386Total equity capital
  • $4,386Total bank equity capital
  • $0Perpetual preferred stock
  • $50Common stock
  • $200Surplus
  • $4,136Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $356Income earned, not collected on loans
  • $0Earning assets
  • $193Long-term assets (5+ years)
  • $43,359Average Assets, year-to-date
  • $17,953Average Assets, quarterly
  • $48,030Volatile liabilities
  • $48,219Insider loans
  • $22,197FHLB advances
  • $48,441Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $3,979Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $53Restructured Loans and leases
  • $100Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,209Total interest income
  • $811Total interest expense
  • $1,398Net interest income
  • $30Provision for loan and lease losses
  • $234Total noninterest income
  • $0Fiduciary activities
  • $117Service charges on deposit accounts
  • $0Trading account gains & fees
  • $117Additional noninterest income
  • $1,224Total noninterest expense
  • $612Salaries and employee benefits
  • $81Premises and equipment expense
  • $531Additional noninterest expense
  • $378Pre-tax net operating income
  • $1Securities gains (losses)
  • $0Applicable income taxes
  • $379Income before extraordinary items
  • $0Extraordinary gains - net
  • $379Net income attributable to bank
  • $0Net charge-offs
  • $379Cash dividends
  • $46Sale, conversion, retirement of capital stock, net
  • $112Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.14%Yield on earning assets
  • 1.89%Cost of funding earning assets
  • 3.25%Net interest margin
  • 0.54%Noninterest income to earning assets
  • 2.85%Noninterest expense to earning assets
  • 0.79%Net operating income to assets
  • 0.79%Return on assets (ROA)
  • 0.79%Pretax return on assets
  • 9.53%Return on equity (ROE)
  • 6.71%Retained earnings to average equity (YTD only)
  • 0.22%Net charge-offs to loans
  • 65.22%Credit loss provision to net charge-offs
  • 8.87%Efficiency ratio
  • 75,000Assets per employee
  • 4.39%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 29.55%Loss allowance to loans
  • 1.29%Loss allowance to noncurrent loans
  • 76.12%Noncurrent assets plus other real estate owned to assets
  • 0.82%Noncurrent loans to loans
  • 1.70%Net loans and leases to deposits
  • 48.99%Net loans and leases to core deposits
  • 49.79%Equity capital to assets
  • 9.09%Core capital (leverage) ratio
  • 8.21%Tier 1 risk-based capital ratio
  • 17.93%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $48,030Average earning assets
  • $3,977Average equity
  • $42,971Average loans

List of branches

  • 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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