The Old Exchange National Bank of Okawville in Okawville, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Old Exchange National Bank of Okawville - Overview

  • General
  • FDIC Certificate #: 3827
    Status: Active
    Federal Reserve ID: 411240
    Bank Holding Company (Regulatory Top Holder): Okawville Bancshares, Inc. (RSSDID: 1248377, Location: Okawville, IL)
    Date Established: January 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)
    OTS Docket #: 16033
    FDIC's unique #: 2487
    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: Yes
    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: Walnut And Nashville Streets, Okawville, IL 62271
    County: Washington
    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
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $58.1 mil
    Equity capital: $5.7 mil
    Deposits held in domestic offices: $51.9 mil
    Return on assets (ROA): 0.69% ($0.4 mil)
    Quarterly return on assets: 0.60% ($0.3 mil)
    Return on Equity (ROE): 7.12% ($0.4 mil)
    Quarterly return on equity: 5.95% ($0.4 mil)
    Net income: $0.4 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.69% ($400.7 mil)
    Quarterly Pretax return on assets: 0.60% ($348.4 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
  • 13Total employees (full-time equivalent)
  • $58,071Total assets
  • $5,364Cash and due from depository institutions
  • $3,012Interest-bearing balances
  • $24,871Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $26,711Net loans & leases
  • $275Loan loss allowance
  • $0Trading account assets
  • $284Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $58,070Life insurance assets
  • $841All other assets
  • $52,343Total liabilities and capital
  • $51,871Total liabilities
  • $43,729Total deposits
  • $51,871Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $279Trading liabilities
  • $0Other borrowed funds
  • $193Subordinated debt
  • $5,727All other liabilities
  • $5,727Total equity capital
  • $5,727Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $2,200Surplus
  • $3,427Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $161Income earned, not collected on loans
  • $0Earning assets
  • $234Long-term assets (5+ years)
  • $54,594Average Assets, year-to-date
  • $16,805Average Assets, quarterly
  • $55,892Volatile liabilities
  • $56,844Insider loans
  • $28,653FHLB advances
  • $56,083Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $5,078Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,967Restructured Loans and leases
  • $393Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,143Total interest income
  • $738Total interest expense
  • $1,405Net interest income
  • $0Provision for loan and lease losses
  • $96Total noninterest income
  • $0Fiduciary activities
  • $25Service charges on deposit accounts
  • $0Trading account gains & fees
  • $71Additional noninterest income
  • $1,114Total noninterest expense
  • $666Salaries and employee benefits
  • $135Premises and equipment expense
  • $313Additional noninterest expense
  • $387Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $387Income before extraordinary items
  • $0Extraordinary gains - net
  • $387Net income attributable to bank
  • $0Net charge-offs
  • $387Cash dividends
  • $3Sale, conversion, retirement of capital stock, net
  • $177Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.06%Yield on earning assets
  • 1.40%Cost of funding earning assets
  • 2.66%Net interest margin
  • 0.18%Noninterest income to earning assets
  • 2.11%Noninterest expense to earning assets
  • 0.69%Net operating income to assets
  • 0.69%Return on assets (ROA)
  • 0.69%Pretax return on assets
  • 7.12%Return on equity (ROE)
  • 3.86%Retained earnings to average equity (YTD only)
  • 0.01%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 129.00%Efficiency ratio
  • 74,217Assets per employee
  • 4.47%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 45.74%Loss allowance to loans
  • 1.02%Loss allowance to noncurrent loans
  • 170.81%Noncurrent assets plus other real estate owned to assets
  • 0.28%Noncurrent loans to loans
  • 0.60%Net loans and leases to deposits
  • 51.50%Net loans and leases to core deposits
  • 53.90%Equity capital to assets
  • 9.86%Core capital (leverage) ratio
  • 9.05%Tier 1 risk-based capital ratio
  • 17.72%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $55,892Average earning assets
  • $5,435Average equity
  • $52,829Average loans

List of branches

  • 1 Illinois Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02487The Old Exchange National Bank Of OkWalnut And Nashville Streets, Okawville, IL 62271January 01, 1910Full Service Brick and Mortar

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