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


Bank of Quincy - Overview

  • General
  • FDIC Certificate #: 35209
    Status: Active
    Federal Reserve ID: 2817837
    Bank Holding Company (Regulatory Top Holder): Quincy Bancshares, Inc (RSSDID: 2817855, Location: Quincy, IL)
    Date Established: October 12, 1999
    WWW: http://www.bankofquincy.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 76176
    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: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: October 12, 1999
    Last Structure Change Effective Date: June 30, 2010
    Last Structure Change Process Date: July 01, 2010
    Last Data Update: July 01, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 1132 Broadway, Quincy, IL 62301
    County: Adams
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: San Francisco
    FDIC Field Office: Springfield Il
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Core Based Statistical Area (CBSA): Quincy, IL-MO (#39500)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $118.1 mil
    Equity capital: $13.2 mil
    Deposits held in domestic offices: $88.3 mil
    Return on assets (ROA): 1.35% ($1.6 mil)
    Quarterly return on assets: 1.51% ($1.8 mil)
    Return on Equity (ROE): 11.70% ($1.5 mil)
    Quarterly return on equity: 13.25% ($1.7 mil)
    Net income: $1.5 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.40% ($1,653.8 mil)
    Quarterly Pretax return on assets: 1.60% ($1,890.0 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
  • 33Total employees (full-time equivalent)
  • $118,128Total assets
  • $11,502Cash and due from depository institutions
  • $9,010Interest-bearing balances
  • $13,287Securities
  • $1,026Federal funds sold & reverse repurchase agreements
  • $84,159Net loans & leases
  • $905Loan loss allowance
  • $0Trading account assets
  • $5,660Bank premises and fixed assets
  • $913Other real estate owned
  • $0Goodwill and other intangibles
  • $118,128Life insurance assets
  • $1,581All other assets
  • $104,890Total liabilities and capital
  • $88,316Total liabilities
  • $73,989Total deposits
  • $88,316Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $15,821Trading liabilities
  • $0Other borrowed funds
  • $753Subordinated debt
  • $13,238All other liabilities
  • $13,238Total equity capital
  • $13,238Total bank equity capital
  • $0Perpetual preferred stock
  • $625Common stock
  • $6,846Surplus
  • $5,767Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $436Income earned, not collected on loans
  • $0Earning assets
  • $696Long-term assets (5+ years)
  • $107,482Average Assets, year-to-date
  • $37,241Average Assets, quarterly
  • $109,779Volatile liabilities
  • $115,323Insider loans
  • $87,397FHLB advances
  • $112,980Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $12,985Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $10,348Restructured Loans and leases
  • $945Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,323Total interest income
  • $1,195Total interest expense
  • $4,128Net interest income
  • $107Provision for loan and lease losses
  • $708Total noninterest income
  • $0Fiduciary activities
  • $178Service charges on deposit accounts
  • $0Trading account gains & fees
  • $530Additional noninterest income
  • $3,193Total noninterest expense
  • $2,012Salaries and employee benefits
  • $292Premises and equipment expense
  • $889Additional noninterest expense
  • $1,536Pre-tax net operating income
  • $4Securities gains (losses)
  • $54Applicable income taxes
  • $1,486Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,486Net income attributable to bank
  • $0Net charge-offs
  • $1,486Cash dividends
  • $41Sale, conversion, retirement of capital stock, net
  • $848Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.29%Yield on earning assets
  • 1.19%Cost of funding earning assets
  • 4.10%Net interest margin
  • 0.70%Noninterest income to earning assets
  • 3.17%Noninterest expense to earning assets
  • 1.35%Net operating income to assets
  • 1.35%Return on assets (ROA)
  • 1.40%Pretax return on assets
  • 11.70%Return on equity (ROE)
  • 5.02%Retained earnings to average equity (YTD only)
  • 0.05%Net charge-offs to loans
  • 260.98%Credit loss provision to net charge-offs
  • 40.07%Efficiency ratio
  • 66,026Assets per employee
  • 3.58%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 57.07%Loss allowance to loans
  • 1.06%Loss allowance to noncurrent loans
  • 207.57%Noncurrent assets plus other real estate owned to assets
  • 1.14%Noncurrent loans to loans
  • 0.51%Net loans and leases to deposits
  • 95.29%Net loans and leases to core deposits
  • 96.63%Equity capital to assets
  • 11.21%Core capital (leverage) ratio
  • 11.49%Tier 1 risk-based capital ratio
  • 14.86%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $109,779Average earning assets
  • $12,703Average equity
  • $100,622Average loans

List of branches

  • 2 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    076176Bank Of Quincy1132 Broadway, Quincy, IL 62301October 12, 1999Full Service Brick and Mortar
    1521980Quincy Branch305 North 48th Street, Quincy, IL 62305August 01, 2011Full Service Brick and Mortar

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