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


The First State Bank of Dongola - Overview

  • General
  • FDIC Certificate #: 12098
    Status: Active
    Federal Reserve ID: 630041
    Bank Holding Company (Regulatory Top Holder): Tri-County Holdings, Inc. (RSSDID: 3584006, Location: Dongola, IL)
    Date Established: May 01, 1906
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 7686
    Numeric code: 13
    Regulator: FED
    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: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Consumer Lending 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: 108 Se Front St, Dongola, IL 62926
    County: Union
    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
  • Change in Location
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $21.5 mil
    Equity capital: $2.2 mil
    Deposits held in domestic offices: $19.2 mil
    Return on assets (ROA): 0.43% ($0.1 mil)
    Quarterly return on assets: 0.28% ($0.1 mil)
    Return on Equity (ROE): 4.15% ($0.1 mil)
    Quarterly return on equity: 2.68% ($0.1 mil)
    Net income: $0.1 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.44% ($94.4 mil)
    Quarterly Pretax return on assets: 0.28% ($60.1 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
  • 7Total employees (full-time equivalent)
  • $21,465Total assets
  • $1,093Cash and due from depository institutions
  • $100Interest-bearing balances
  • $1,200Securities
  • $1,151Federal funds sold & reverse repurchase agreements
  • $17,007Net loans & leases
  • $174Loan loss allowance
  • $0Trading account assets
  • $730Bank premises and fixed assets
  • $29Other real estate owned
  • $0Goodwill and other intangibles
  • $21,465Life insurance assets
  • $255All other assets
  • $19,231Total liabilities and capital
  • $19,161Total liabilities
  • $16,790Total deposits
  • $19,161Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $70Subordinated debt
  • $2,234All other liabilities
  • $2,234Total equity capital
  • $2,234Total bank equity capital
  • $0Perpetual preferred stock
  • $50Common stock
  • $575Surplus
  • $1,609Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $528Income earned, not collected on loans
  • $0Earning assets
  • $154Long-term assets (5+ years)
  • $19,458Average Assets, year-to-date
  • $2,109Average Assets, quarterly
  • $21,289Volatile liabilities
  • $21,534Insider loans
  • $14,693FHLB advances
  • $21,532Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $2,234Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $0Restructured Loans and leases
  • $321Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,035Total interest income
  • $241Total interest expense
  • $794Net interest income
  • $38Provision for loan and lease losses
  • $173Total noninterest income
  • $0Fiduciary activities
  • $84Service charges on deposit accounts
  • $0Trading account gains & fees
  • $89Additional noninterest income
  • $835Total noninterest expense
  • $469Salaries and employee benefits
  • $79Premises and equipment expense
  • $287Additional noninterest expense
  • $94Pre-tax net operating income
  • $0Securities gains (losses)
  • $2Applicable income taxes
  • $92Income before extraordinary items
  • $0Extraordinary gains - net
  • $92Net income attributable to bank
  • $0Net charge-offs
  • $92Cash dividends
  • $33Sale, conversion, retirement of capital stock, net
  • $34Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.40%Yield on earning assets
  • 1.26%Cost of funding earning assets
  • 4.14%Net interest margin
  • 0.90%Noninterest income to earning assets
  • 4.36%Noninterest expense to earning assets
  • 0.43%Net operating income to assets
  • 0.43%Return on assets (ROA)
  • 0.44%Pretax return on assets
  • 4.15%Return on equity (ROE)
  • 2.61%Retained earnings to average equity (YTD only)
  • 0.20%Net charge-offs to loans
  • 115.15%Credit loss provision to net charge-offs
  • 4.00%Efficiency ratio
  • 86,350Assets per employee
  • 3.07%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 36.96%Loss allowance to loans
  • 1.01%Loss allowance to noncurrent loans
  • 32.95%Noncurrent assets plus other real estate owned to assets
  • 2.59%Noncurrent loans to loans
  • 3.07%Net loans and leases to deposits
  • 88.76%Net loans and leases to core deposits
  • 91.88%Equity capital to assets
  • 10.41%Core capital (leverage) ratio
  • 10.38%Tier 1 risk-based capital ratio
  • 15.20%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $21,289Average earning assets
  • $2,219Average equity
  • $19,162Average loans

List of branches

  • 2 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07686The First State Bank Of Dongola108 Se Front St, Dongola, IL 62926May 01, 1906Full Service Brick and Mortar
    1226332Ullin FacilityOak Street, Ullin, IL 62992November 29, 1984Full Service Brick and Mortar

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