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

The Havana National Bank - Overview

  • General
  • FDIC Certificate #: 3677
    Status: Active
    Federal Reserve ID: 940731
    Bank Holding Company (Regulatory Top Holder): Community Investment Group, Ltd. (RSSDID: 2909853, Location: Havana, IL)
    Date Established: March 30, 1875
    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: 5 (Domestic: 5, Interstate: No)
    OTS Docket #: 13778
    FDIC's unique #: 2352
    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: No
    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: 112 South Orange Street, Havana, IL 62644
    County: Mason
    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: $190.5 mil
    Equity capital: $16.9 mil
    Deposits held in domestic offices: $165.8 mil
    Return on assets (ROA): 1.04% ($2.0 mil)
    Quarterly return on assets: 1.04% ($2.0 mil)
    Return on Equity (ROE): 12.05% ($2.0 mil)
    Quarterly return on equity: 11.64% ($2.0 mil)
    Net income: $1.9 mil
    Quarterly Net income: $0.5 mil
    Pretax return on assets: 1.40% ($2,667.2 mil)
    Quarterly Pretax return on assets: 1.44% ($2,743.4 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
  • 47Total employees (full-time equivalent)
  • $190,517Total assets
  • $16,000Cash and due from depository institutions
  • $14,688Interest-bearing balances
  • $48,857Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $113,393Net loans & leases
  • $1,216Loan loss allowance
  • $0Trading account assets
  • $2,420Bank premises and fixed assets
  • $105Other real estate owned
  • $810Goodwill and other intangibles
  • $190,517Life insurance assets
  • $8,932All other assets
  • $173,620Total liabilities and capital
  • $165,767Total liabilities
  • $141,841Total deposits
  • $165,767Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 4738.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,500Trading liabilities
  • $0Other borrowed funds
  • $1,615Subordinated debt
  • $16,897All other liabilities
  • $16,897Total equity capital
  • $16,897Total bank equity capital
  • $0Perpetual preferred stock
  • $4,571Common stock
  • $4,788Surplus
  • $7,538Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,707Income earned, not collected on loans
  • $0Earning assets
  • $2,363Long-term assets (5+ years)
  • $176,938Average Assets, year-to-date
  • $53,857Average Assets, quarterly
  • $181,172Volatile liabilities
  • $186,915Insider loans
  • $124,241FHLB advances
  • $187,770Loans and leases held for sale
  • $3,692Unused loan commitments
  • $3,692Tier 1 (core) risk-based capital
  • $14,877Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $21,190Restructured Loans and leases
  • $1,680Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,865Total interest income
  • $2,181Total interest expense
  • $5,684Net interest income
  • $125Provision for loan and lease losses
  • $1,153Total noninterest income
  • $437Fiduciary activities
  • $402Service charges on deposit accounts
  • $0Trading account gains & fees
  • $314Additional noninterest income
  • $4,175Total noninterest expense
  • $2,386Salaries and employee benefits
  • $281Premises and equipment expense
  • $1,508Additional noninterest expense
  • $2,537Pre-tax net operating income
  • $1Securities gains (losses)
  • $651Applicable income taxes
  • $1,887Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,887Net income attributable to bank
  • $0Net charge-offs
  • $1,887Cash dividends
  • -$37Sale, conversion, retirement of capital stock, net
  • $642Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.68%Yield on earning assets
  • 1.30%Cost of funding earning assets
  • 3.38%Net interest margin
  • 0.69%Noninterest income to earning assets
  • 2.48%Noninterest expense to earning assets
  • 1.04%Net operating income to assets
  • 1.04%Return on assets (ROA)
  • 1.40%Pretax return on assets
  • 12.05%Return on equity (ROE)
  • 7.95%Retained earnings to average equity (YTD only)
  • -0.03%Net charge-offs to loans
  • -337.84%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 57,628Assets per employee
  • 4.05%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 34.02%Loss allowance to loans
  • 1.06%Loss allowance to noncurrent loans
  • 32.80%Noncurrent assets plus other real estate owned to assets
  • 2.00%Noncurrent loans to loans
  • 3.23%Net loans and leases to deposits
  • 68.41%Net loans and leases to core deposits
  • 76.94%Equity capital to assets
  • 8.87%Core capital (leverage) ratio
  • 7.92%Tier 1 risk-based capital ratio
  • 11.97%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $181,172Average earning assets
  • $15,661Average equity
  • $168,075Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $62,004Managed Assets
  • 1Number of Accounts
  • $16,437Personal trust and agency accounts
  • $5,181Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $333Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $10,923Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 138Number of Accounts
  • $0Personal trust and agency accounts
  • $333Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $45,567Other retirement accounts
  • $40,008Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $5,090Fiduciary accounts held in foreign offices

List of branches

  • 5 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02352The Havana National Bank112 South Orange Street, Havana, IL 62644March 30, 1875Full Service Brick and Mortar
    143179143 South Main Street Branch143 South Main Street, Lewistown, IL 61542January 01, 1895Full Service Brick and Mortar
    3237597Green Valley Facility101 West Main Street, Green Valley, IL 61534April 22, 1985Full Service Brick and Mortar
    4446232South Second Street Branch112 South Second Street, San Jose, IL 62682November 29, 2005Full Service Brick and Mortar
    5457972Havana National Bank-Manito Branch406 South Adams Street (In The Manito Pharmacy), Manito, IL 61546October 02, 2006Full Service Brick and Mortar

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