This institution is no longer active

Operations ceased on July 15, 2002. CRA examination history below reflects the period it was active.

FIRST STATE BANK OF NEWMAN

NEWMAN, IL · Supervised by FDIC

Est. 1912FDIC #11,675RSSD: FDIC-11675

Part ofFIRST NEIGHBORHOOD BANCSHARES EMPLOYEE STK OWNERSHIP PLAN→ View all charters

Outstanding Up

Current rating · Exam: February 2000

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 0.61%

Institution Profile

FDIC BankFind

Address

511 South Broadway, NEWMAN, IL

County

Douglas County

Established

June 12, 1912

Total Assets

$23M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

February 1, 2000

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 26 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q2 2002Call Report / FDIC

Total Assets

$23M

Total Deposits

$20M

Net Loans

$17M

Net Income

$70K

ROA

0.61%

Above avg for Small banks. Peer avg: 0.44%

ROE

6.87%

Risk-Based Capital

11.69%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA0.61%Peer avg: 0.44%▲ Above avg

Risk-Based Capital11.69%Peer avg: 23.03%▼ Below avg

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Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

Exam Date	Rating	Exam Type
Feb 2000	Outstanding	Small Bank
Mar 1997	Satisfactory	Small Bank
Apr 1994	Satisfactory	Not Reported

1 previous rating locked — back to 1992

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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