Vitals
  • Total Assets
    8.6M -5.5 %
  • Total Deposits
    6.8M -4.5 %
  • Total Net Loans
    2.9M -10.9 %
  • Net Income
    125000.0000 -31.3 %
  • Book Value
    1.8M 4.8 %
  • Book Value x2
    3.6M 4.8 %
  • Book Value x3
    5.4M 4.8 %
ROAA

1.402

ROAE

7.123

Efficiency Ratio

62.794

Net Interest Margin

5.315

Balance Sheet Highlights
Financial Highlights The First National Bank Of Lerna All Insured Commercial Banks in Illinois
Balance Sheet $(000)
Total Assets 8,615 167,907
Total Net Loans 2,883 110,513
Total Deposits 6,792 141,176
Total Equity 1,795 15,995
Profitability
Net Income 125 2,895
Return on Average Assets 1.402 1.126
Return on Average Equity 7.123 11.588
Net Interest Margin 5.315 3.852
Efficiency Ratio 62.794 63.383
Noninterest Income/Revenue 13.029 12.118
Balance Sheet Ratios
Loan-to-Deposit 42.447 72.545
Securities/Assets .556 .837
Total Equity/Total Assets .208 .095
Tangible Equity/Tangible Assets .208 .003
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 1,749 15,044
Tier 2 Capital 58 1,366
Total Capital 1,807 16,494
Total Risk Weighted Assets 6,506 121,116
Leverage Ratio 20.4 9.691
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 26.88 14.936
Total Capital Ratio 27.77 16.031

Timeline for The First National Bank Of Lerna

The Bank Of Advance

The First National Bank Of Lerna was acquired by The Bank Of Advance 19 years

View Profile Jan 01 2005

Miles Bancshares, Inc.

Miles Bancshares, Inc. became a new parent organization for The First National Bank Of Lerna.

View Profile Oct 01 1987

The First National Bank Of Lerna

The First National Bank Of Lerna was established 118 years ago and is currently headquartered in Lerna, IL.

Jun 13 1906
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
The Bank Of Advance Buyer 305,048 Pooling of Interests Discontinued 1/1/2005
Relationships Role Relationship Start Relationship End
Miles Bancshares, Inc. Parent 3/21/2001 12/31/2004
Miles Bancshares, Inc. Parent 10/1/1987 3/20/2001
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