FDIC Certificate #: 58114 Status: Active Federal Reserve ID: 3374403 Date Established: November 04, 2005 WWW:http://www.bankofbelleville.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 439975 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: Commercial Lending Specialization Date of Deposit Insurance: November 04, 2005 Last Structure Change Effective Date: November 14, 2011 Last Structure Change Process Date: November 14, 2011 Last Data Update: November 14, 2011 Data Source Date: April 05, 2012
Location
Address: 720 West Main Street, Richland Plaza Iii, Belleville, IL 62220 County: St. Clair 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 Metropolitan Statistical Area (MSA): St. Louis, MO-IL (#7040) Combined Statistical Area (CSA): St. Louis-St. Charles-Farmington, MO-IL (#476) Core Based Statistical Area (CBSA): St. Louis, MO-IL (#41180) CBSA Metro Statistical Area: St. Louis, MO-IL (#41180)
History of Changes
Change in Geographic Region/Area/Territory/Field Office
Financial Summary
Total assets: $85.6 mil Equity capital: $7.0 mil Deposits held in domestic offices: $76.1 mil Return on assets (ROA): 0.60% ($0.5 mil) Quarterly return on assets: 0.67% ($0.6 mil) Return on Equity (ROE): 6.90% ($0.5 mil) Quarterly return on equity: 8.11% ($0.6 mil) Net income: $0.5 mil Quarterly Net income: $0.1 mil Pretax return on assets: 0.95% ($812.9 mil) Quarterly Pretax return on assets: 0.88% ($753.0 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ 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
20Total employees (full-time equivalent)
$85,564Total assets
$4,724Cash and due from depository institutions
$4,724Interest-bearing balances
$7,716Securities
$3,556Federal funds sold & reverse repurchase agreements
$66,251Net loans & leases
$870Loan loss allowance
$0Trading account assets
$323Bank premises and fixed assets
$283Other real estate owned
$0Goodwill and other intangibles
$85,565Life insurance assets
$2,711All other assets
$78,575Total liabilities and capital
$76,144Total liabilities
$58,352Total deposits
$76,144Interest-bearing deposits
$94Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$2,300Trading liabilities
$0Other borrowed funds
$131Subordinated debt
$6,990All other liabilities
$6,990Total equity capital
$6,990Total bank equity capital
$0Perpetual preferred stock
$6,050Common stock
$6,770Surplus
$-5,830Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$23Income earned, not collected on loans
$0Earning assets
$199Long-term assets (5+ years)
$82,247Average Assets, year-to-date
$7,685Average Assets, quarterly
$76,762Volatile liabilities
$83,333Insider loans
$63,651FHLB advances
$82,684Loans and leases held for sale
$1,500Unused loan commitments
$1,500Tier 1 (core) risk-based capital
$6,780Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$12,755Restructured Loans and leases
$2,356Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$3,346Total interest income
$749Total interest expense
$2,597Net interest income
$20Provision for loan and lease losses
$220Total noninterest income
$0Fiduciary activities
$50Service charges on deposit accounts
$0Trading account gains & fees
$170Additional noninterest income
$2,064Total noninterest expense
$1,093Salaries and employee benefits
$239Premises and equipment expense
$732Additional noninterest expense
$733Pre-tax net operating income
$0Securities gains (losses)
$269Applicable income taxes
$464Income before extraordinary items
$0Extraordinary gains - net
$464Net income attributable to bank
$0Net charge-offs
$464Cash dividends
$33Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.58%Yield on earning assets
1.02%Cost of funding earning assets
3.55%Net interest margin
0.30%Noninterest income to earning assets
2.82%Noninterest expense to earning assets
0.60%Net operating income to assets
0.60%Return on assets (ROA)
0.95%Pretax return on assets
6.90%Return on equity (ROE)
6.90%Retained earnings to average equity (YTD only)
0.05%Net charge-offs to loans
60.61%Credit loss provision to net charge-offs
22.82%Efficiency ratio
73,269Assets per employee
4.28%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.30%Loss allowance to noncurrent loans
3782.61%Noncurrent assets plus other real estate owned to assets
0.36%Noncurrent loans to loans
0.03%Net loans and leases to deposits
87.01%Net loans and leases to core deposits
99.26%Equity capital to assets
8.17%Core capital (leverage) ratio
8.20%Tier 1 risk-based capital ratio
10.65%Total risk-based capital ratio
Memoranda
$12Average assets
$76,762Average earning assets
$6,728Average equity
$73,133Average loans
List of branches
1 Illinois Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
439975
Bank Of Belleville
720 West Main Street, Richland Plaza Iii, Belleville, IL 62220
November 04, 2005
Full Service Brick and Mortar
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