Apple River State Bank in city_name, state_name - Detailed Financial Reports, Location

Apple River State Bank in Apple River, Illinois (IL)
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Apple River State Bank routing number info

Apple River State Bank - Overview

General
FDIC Certificate #: 17453
Status: Active
Federal Reserve ID: 594938
Bank Holding Company (Regulatory Top Holder): First Apple River Corporation (RSSDID: 1143052, Location: Apple River, IL)
Date Established: January 05, 1948
WWW: http://www.communitybankgalena.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 6 (Domestic: 6, Interstate: No)
FDIC's unique #: 11442
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: Yes
Asset Concentration Hierarchy: Agricultural Specialization
Date of Deposit Insurance: June 01, 1955
Last Structure Change Effective Date: March 30, 2008
Last Structure Change Process Date: July 18, 2008
Last Data Update: July 18, 2008
Data Source Date: April 05, 2012
Location
Address: 103 North Main Street, Apple River, IL 61001
County: Jo Daviess
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Princeton
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Central
History of Changes
Office Purchased
Financial Summary
Total assets: $266.8 mil
Equity capital: $22.2 mil
Deposits held in domestic offices: $235.2 mil
Return on assets (ROA): 0.40% ($1.1 mil)
Quarterly return on assets: 0.00% ($0.0 mil)
Return on Equity (ROE): 4.68% ($1.0 mil)
Quarterly return on equity: -0.04% (-$0.0 mil)
Net income: $1.0 mil
Quarterly Net income: -$0.0 mil
Pretax return on assets: 0.40% ($1,067.3 mil)
Quarterly Pretax return on assets: -0.05% (-$133.4 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
57Total employees (full-time equivalent)
$266,826Total assets
$16,543Cash and due from depository institutions
$5,736Interest-bearing balances
$79,906Securities
$0Federal funds sold & reverse repurchase agreements
$161,627Net loans & leases
$2,039Loan loss allowance
$0Trading account assets
$4,186Bank premises and fixed assets
$881Other real estate owned
$874Goodwill and other intangibles
$266,826Life insurance assets
$2,809All other assets
$244,648Total liabilities and capital
$235,154Total liabilities
$208,924Total deposits
$235,154Interest-bearing deposits
$91Deposits held in domestic offices
8645.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$849Subordinated debt
$22,178All other liabilities
$22,178Total equity capital
$22,178Total bank equity capital
$0Perpetual preferred stock
$75Common stock
$4,725Surplus
$17,378Undivided profits
Memoranda
$0Noncurrent loans and leases
$463Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$3,431Income earned, not collected on loans
$0Earning assets
$1,592Long-term assets (5+ years)
$247,269Average Assets, year-to-date
$66,926Average Assets, quarterly
$261,386Volatile liabilities
$263,841Insider loans
$186,510FHLB advances
$266,909Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$21,128Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$21,431Restructured Loans and leases
$627Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$11,808Total interest income
$3,002Total interest expense
$8,806Net interest income
$3,303Provision for loan and lease losses
$1,264Total noninterest income
$135Fiduciary activities
$439Service charges on deposit accounts
$0Trading account gains & fees
$690Additional noninterest income
$5,995Total noninterest expense
$3,299Salaries and employee benefits
$666Premises and equipment expense
$2,030Additional noninterest expense
$772Pre-tax net operating income
$268Securities gains (losses)
-$7Applicable income taxes
$1,047Income before extraordinary items
$0Extraordinary gains - net
$1,047Net income attributable to bank
$0Net charge-offs
$1,047Cash dividends
$3,151Sale, conversion, retirement of capital stock, net
$994Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.84%Yield on earning assets
1.23%Cost of funding earning assets
3.61%Net interest margin
0.52%Noninterest income to earning assets
2.46%Noninterest expense to earning assets
0.30%Net operating income to assets
0.40%Return on assets (ROA)
0.40%Pretax return on assets
4.68%Return on equity (ROE)
0.24%Retained earnings to average equity (YTD only)
1.85%Net charge-offs to loans
104.82%Credit loss provision to net charge-offs
1.29%Efficiency ratio
58,888Assets per employee
4.68%Cash dividends to net income (YTD only)
Condition Ratios (%)
94.94%Loss allowance to loans
1.25%Loss allowance to noncurrent loans
59.43%Noncurrent assets plus other real estate owned to assets
1.62%Noncurrent loans to loans
2.10%Net loans and leases to deposits
68.73%Net loans and leases to core deposits
75.63%Equity capital to assets
8.31%Core capital (leverage) ratio
7.92%Tier 1 risk-based capital ratio
11.33%Total risk-based capital ratio
Memoranda
$12Average assets
$261,386Average earning assets
$22,376Average equity
$243,922Average 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
$25,599Managed Assets
1Number of Accounts
$9,422Personal trust and agency accounts
$1,362Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$2,771Corporate trust and agency accounts
$0Investment management agency accounts
$5,289Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
132Number of Accounts
$0Personal trust and agency accounts
$2,648Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$16,177Other retirement accounts
$0Corporate trust and agency accounts
$4,400Other fiduciary accounts
$6,393Fiduciary accounts held in foreign offices

List of branches

6 Illinois Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	11442	Apple River State Bank	103 North Main Street, Apple River, IL 61001	January 05, 1948	Full Service Brick and Mortar
2	2407	Warren Branch	135 Main Street, Warren, IL 61087	January 01, 1933	Full Service Brick and Mortar
3	364277	Scales Mound Branch	510 N. Main Street, Scales Mound, IL 61075	November 30, 2001	Full Service Brick and Mortar
4	11167	Hanover Branch	215 Jefferson Street, Hanover, IL 61041	July 15, 1952	Full Service Brick and Mortar
5	240612	Elizabeth Branch	112 North Main Street, Elizabeth, IL 61028	September 04, 1995	Full Service Brick and Mortar
6	489586	Galena Branch	Exchange Street, Galena, IL 61036	March 23, 2009	Full Service Brick and Mortar

Apple River State Bank in Apple River, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

Apple River State Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Apple River State Bank in Apple River, Illinois (IL)Overview, Financial Summary, Detailed Financial Reports, Branches

Apple River State Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Apple River State Bank in Apple River, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches