The Fisher National Bank in Fisher, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • The Fisher National Bank in Fisher, Illinois (IL)
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The Fisher National Bank - Overview

  • General
  • FDIC Certificate #: 17513
    Status: Active
    Federal Reserve ID: 739832
    Bank Holding Company (Regulatory Top Holder): Fisher Bancorp, Inc. (RSSDID: 2616179, Location: Fisher, IL)
    Date Established: November 18, 1955
    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: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 15454
    FDIC's unique #: 11493
    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: November 18, 1955
    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: 102 East Division Street, Fisher, IL 61843
    County: Champaign
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Champaign
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Champaign-Urbana, IL (#1400)
    Core Based Statistical Area (CBSA): Champaign-Urbana, IL (#16580)
    CBSA Metro Statistical Area: Champaign-Urbana, IL (#16580)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $78.9 mil
    Equity capital: $8.8 mil
    Deposits held in domestic offices: $67.8 mil
    Return on assets (ROA): 0.87% ($0.7 mil)
    Quarterly return on assets: 1.79% ($1.4 mil)
    Return on Equity (ROE): 8.87% ($0.8 mil)
    Quarterly return on equity: 16.18% ($1.5 mil)
    Net income: $0.7 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 0.87% ($686.5 mil)
    Quarterly Pretax return on assets: 1.79% ($1,412.4 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
  • 23Total employees (full-time equivalent)
  • $78,906Total assets
  • $4,205Cash and due from depository institutions
  • $2,488Interest-bearing balances
  • $19,605Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $51,201Net loans & leases
  • $514Loan loss allowance
  • $0Trading account assets
  • $1,902Bank premises and fixed assets
  • $34Other real estate owned
  • $0Goodwill and other intangibles
  • $78,906Life insurance assets
  • $1,959All other assets
  • $70,071Total liabilities and capital
  • $67,827Total liabilities
  • $61,915Total deposits
  • $67,827Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,000Trading liabilities
  • $0Other borrowed funds
  • $244Subordinated debt
  • $8,835All other liabilities
  • $8,835Total equity capital
  • $8,835Total bank equity capital
  • $0Perpetual preferred stock
  • $700Common stock
  • $1,700Surplus
  • $6,435Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $291Income earned, not collected on loans
  • $0Earning assets
  • $456Long-term assets (5+ years)
  • $73,294Average Assets, year-to-date
  • $20,393Average Assets, quarterly
  • $77,826Volatile liabilities
  • $78,520Insider loans
  • $49,317FHLB advances
  • $78,563Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $7,967Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $5,392Restructured Loans and leases
  • $395Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,774Total interest income
  • $862Total interest expense
  • $2,912Net interest income
  • $425Provision for loan and lease losses
  • $569Total noninterest income
  • $0Fiduciary activities
  • $192Service charges on deposit accounts
  • $0Trading account gains & fees
  • $377Additional noninterest income
  • $2,430Total noninterest expense
  • $1,113Salaries and employee benefits
  • $251Premises and equipment expense
  • $1,066Additional noninterest expense
  • $626Pre-tax net operating income
  • $54Securities gains (losses)
  • $6Applicable income taxes
  • $674Income before extraordinary items
  • $0Extraordinary gains - net
  • $674Net income attributable to bank
  • $0Net charge-offs
  • $674Cash dividends
  • $406Sale, conversion, retirement of capital stock, net
  • $183Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.36%Yield on earning assets
  • 1.22%Cost of funding earning assets
  • 4.13%Net interest margin
  • 0.81%Noninterest income to earning assets
  • 3.45%Noninterest expense to earning assets
  • 0.80%Net operating income to assets
  • 0.87%Return on assets (ROA)
  • 0.87%Pretax return on assets
  • 8.87%Return on equity (ROE)
  • 6.46%Retained earnings to average equity (YTD only)
  • 0.84%Net charge-offs to loans
  • 104.68%Credit loss provision to net charge-offs
  • 2.59%Efficiency ratio
  • 69,808Assets per employee
  • 3.43%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 27.15%Loss allowance to loans
  • 0.99%Loss allowance to noncurrent loans
  • 176.63%Noncurrent assets plus other real estate owned to assets
  • 0.41%Noncurrent loans to loans
  • 0.56%Net loans and leases to deposits
  • 75.49%Net loans and leases to core deposits
  • 78.43%Equity capital to assets
  • 11.20%Core capital (leverage) ratio
  • 10.14%Tier 1 risk-based capital ratio
  • 16.15%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $77,826Average earning assets
  • $7,600Average equity
  • $70,424Average loans

List of branches

  • 2 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    011493The Fisher National Bank102 East Division Street, Fisher, IL 61843November 18, 1955Full Service Brick and Mortar
    1462784Fisher National Bank Of Mahomet Bran1501 East Oak, Mahomet, IL 61853October 14, 2002Full Service Brick and Mortar

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