FDIC Certificate #: 11681 Status: Active Federal Reserve ID: 655530 Bank Holding Company (Regulatory Top Holder): Abc Employee Stock Ownership Plan (RSSDID: 2037550, Location: Anchor, IL) Date Established: December 27, 1920 Trust Powers Granted: Yes Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 12318 FDIC's unique #: 7466 Numeric code: 21 Regulator: FDIC 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: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: June 19, 2007 Last Structure Change Process Date: June 19, 2007 Last Data Update: June 19, 2007 Data Source Date: April 05, 2012
Location
Address: 246 2nd Street, Anchor, IL 61720 County: Mclean 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): Bloomington-Normal, IL (#1040) Core Based Statistical Area (CBSA): Bloomington-Normal, IL (#14060) CBSA Metro Statistical Area: Bloomington-Normal, IL (#14060)
History of Changes
Change in Location
Financial Summary
Total assets: $14.6 mil Equity capital: $1.4 mil Deposits held in domestic offices: $13.2 mil Return on assets (ROA): 0.00% ($0.0 mil) Quarterly return on assets: -0.11% (-$0.0 mil) Return on Equity (ROE): 0.00% ($0.0 mil) Quarterly return on equity: -1.17% (-$0.0 mil) Net income: $0.0 mil Quarterly Net income: -$0.0 mil Pretax return on assets: -0.08% (-$11.7 mil) Quarterly Pretax return on assets: -0.14% (-$20.4 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
3Total employees (full-time equivalent)
$14,606Total assets
$5,034Cash and due from depository institutions
$2,655Interest-bearing balances
$2,997Securities
$0Federal funds sold & reverse repurchase agreements
$5,933Net loans & leases
$115Loan loss allowance
$0Trading account assets
$93Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$14,606Life insurance assets
$549All other assets
$13,247Total liabilities and capital
$13,206Total liabilities
$10,717Total deposits
$13,206Interest-bearing deposits
$97Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$41Subordinated debt
$1,359All other liabilities
$1,359Total equity capital
$1,359Total bank equity capital
$0Perpetual preferred stock
$75Common stock
$1,000Surplus
$284Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$242Income earned, not collected on loans
$0Earning assets
$96Long-term assets (5+ years)
$11,585Average Assets, year-to-date
$259Average Assets, quarterly
$14,224Volatile liabilities
$14,297Insider loans
$7,062FHLB advances
$14,359Loans and leases held for sale
$329Unused loan commitments
$329Tier 1 (core) risk-based capital
$1,359Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,141Restructured Loans and leases
$341Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$472Total interest income
$135Total interest expense
$337Net interest income
$25Provision for loan and lease losses
$84Total noninterest income
$1Fiduciary activities
$9Service charges on deposit accounts
$0Trading account gains & fees
$74Additional noninterest income
$408Total noninterest expense
$233Salaries and employee benefits
$23Premises and equipment expense
$152Additional noninterest expense
-$12Pre-tax net operating income
$0Securities gains (losses)
-$12Applicable income taxes
$0Income before extraordinary items
$0Extraordinary gains - net
$0Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$0Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.98%Yield on earning assets
1.14%Cost of funding earning assets
2.84%Net interest margin
0.71%Noninterest income to earning assets
3.44%Noninterest expense to earning assets
0.00%Net operating income to assets
0.00%Return on assets (ROA)
-0.08%Pretax return on assets
0.00%Return on equity (ROE)
0.00%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
96,912Assets per employee
4.87%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.90%Loss allowance to noncurrent loans
47.52%Noncurrent assets plus other real estate owned to assets
1.66%Noncurrent loans to loans
4.00%Net loans and leases to deposits
44.93%Net loans and leases to core deposits
48.60%Equity capital to assets
9.30%Core capital (leverage) ratio
9.46%Tier 1 risk-based capital ratio
19.24%Total risk-based capital ratio
Memoranda
$21Average assets
$14,224Average earning assets
$1,341Average equity
$11,871Average 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
$629Managed Assets
1Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Investment management agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
6Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$629Other retirement accounts
$149Corporate trust and agency accounts
$0Other fiduciary accounts
$480Fiduciary accounts held in foreign offices
List of branches
1 Illinois Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
7466
Anchor State Bank
246 2nd Street, Anchor, IL 61720
December 27, 1920
Full Service Brick and Mortar
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