Bank of Gibson City in Gibson City, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

Bank of Gibson City - Overview

  • General
  • FDIC Certificate #: 22838
    Status: Active
    Federal Reserve ID: 932633
    Bank Holding Company (Regulatory Top Holder): Longview Capital Corporation (RSSDID: 1204618, Location: Newman, IL)
    Date Established: April 09, 1979
    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 #: 15954
    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: April 09, 1979
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 804 South Sangamon Avenue, Gibson City, IL 60936
    County: Ford
    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
    Core Based Statistical Area (CBSA): Champaign-Urbana, IL (#16580)
    CBSA Metro Statistical Area: Champaign-Urbana, IL (#16580)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $66.8 mil
    Equity capital: $8.8 mil
    Deposits held in domestic offices: $56.1 mil
    Return on assets (ROA): 0.13% ($0.1 mil)
    Quarterly return on assets: 0.76% ($0.5 mil)
    Return on Equity (ROE): 1.02% ($0.1 mil)
    Quarterly return on equity: 5.84% ($0.5 mil)
    Net income: $0.1 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.18% ($120.3 mil)
    Quarterly Pretax return on assets: 1.07% ($714.9 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
  • 13Total employees (full-time equivalent)
  • $66,815Total assets
  • $7,533Cash and due from depository institutions
  • $7,070Interest-bearing balances
  • $14,262Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $39,754Net loans & leases
  • $516Loan loss allowance
  • $0Trading account assets
  • $626Bank premises and fixed assets
  • $0Other real estate owned
  • $3,033Goodwill and other intangibles
  • $66,815Life insurance assets
  • $1,607All other assets
  • $57,987Total liabilities and capital
  • $56,051Total liabilities
  • $47,668Total deposits
  • $56,051Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 1693.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $243Subordinated debt
  • $8,828All other liabilities
  • $8,828Total equity capital
  • $8,828Total bank equity capital
  • $0Perpetual preferred stock
  • $399Common stock
  • $8,271Surplus
  • $158Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,488Income earned, not collected on loans
  • $0Earning assets
  • $572Long-term assets (5+ years)
  • $61,086Average Assets, year-to-date
  • $2,638Average Assets, quarterly
  • $68,598Volatile liabilities
  • $67,363Insider loans
  • $38,102FHLB advances
  • $64,707Loans and leases held for sale
  • $155Unused loan commitments
  • $155Tier 1 (core) risk-based capital
  • $5,757Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $6,040Restructured Loans and leases
  • $752Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,377Total interest income
  • $386Total interest expense
  • $1,991Net interest income
  • $557Provision for loan and lease losses
  • $250Total noninterest income
  • $0Fiduciary activities
  • $147Service charges on deposit accounts
  • $0Trading account gains & fees
  • $103Additional noninterest income
  • $1,562Total noninterest expense
  • $754Salaries and employee benefits
  • $117Premises and equipment expense
  • $691Additional noninterest expense
  • $122Pre-tax net operating income
  • $0Securities gains (losses)
  • $32Applicable income taxes
  • $90Income before extraordinary items
  • $0Extraordinary gains - net
  • $90Net income attributable to bank
  • $0Net charge-offs
  • $90Cash dividends
  • $549Sale, conversion, retirement of capital stock, net
  • $238Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.79%Yield on earning assets
  • 0.62%Cost of funding earning assets
  • 3.18%Net interest margin
  • 0.40%Noninterest income to earning assets
  • 2.49%Noninterest expense to earning assets
  • 0.13%Net operating income to assets
  • 0.13%Return on assets (ROA)
  • 0.18%Pretax return on assets
  • 1.02%Return on equity (ROE)
  • -1.68%Retained earnings to average equity (YTD only)
  • 1.32%Net charge-offs to loans
  • 101.46%Credit loss provision to net charge-offs
  • 1.24%Efficiency ratio
  • 69,701Assets per employee
  • 5.14%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 264.44%Loss allowance to loans
  • 1.28%Loss allowance to noncurrent loans
  • 34.68%Noncurrent assets plus other real estate owned to assets
  • 2.23%Noncurrent loans to loans
  • 3.70%Net loans and leases to deposits
  • 70.92%Net loans and leases to core deposits
  • 72.24%Equity capital to assets
  • 13.21%Core capital (leverage) ratio
  • 8.90%Tier 1 risk-based capital ratio
  • 15.11%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $68,598Average earning assets
  • $8,819Average equity
  • $62,673Average loans

List of branches

  • 1 Illinois Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    015954Bank Of Gibson City804 South Sangamon Avenue, Gibson City, IL 60936April 09, 1979Full Service Brick and Mortar

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