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

Bank of Stronghurst - Overview

  • General
  • FDIC Certificate #: 16413
    Status: Active
    Federal Reserve ID: 593940
    Date Established: April 27, 1946
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 10588
    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 27, 1946
    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: 108 East Main Street, Stronghurst, IL 61480
    County: Henderson
    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
    Core Based Statistical Area (CBSA): Burlington, IA-IL (#15460)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $76.8 mil
    Equity capital: $12.6 mil
    Deposits held in domestic offices: $63.9 mil
    Return on assets (ROA): 0.44% ($0.3 mil)
    Quarterly return on assets: 0.33% ($0.3 mil)
    Return on Equity (ROE): 2.78% ($0.4 mil)
    Quarterly return on equity: 1.97% ($0.3 mil)
    Net income: $0.3 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.59% ($453.2 mil)
    Quarterly Pretax return on assets: 0.44% ($338.0 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
  • 21Total employees (full-time equivalent)
  • $76,820Total assets
  • $3,361Cash and due from depository institutions
  • $243Interest-bearing balances
  • $49,790Securities
  • $4,800Federal funds sold & reverse repurchase agreements
  • $17,598Net loans & leases
  • $241Loan loss allowance
  • $0Trading account assets
  • $542Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $76,820Life insurance assets
  • $729All other assets
  • $64,248Total liabilities and capital
  • $63,910Total liabilities
  • $57,910Total deposits
  • $63,910Interest-bearing deposits
  • $99Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $338Subordinated debt
  • $12,572All other liabilities
  • $12,572Total equity capital
  • $12,572Total bank equity capital
  • $0Perpetual preferred stock
  • $600Common stock
  • $1,800Surplus
  • $10,172Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $75Income earned, not collected on loans
  • $0Earning assets
  • $583Long-term assets (5+ years)
  • $72,431Average Assets, year-to-date
  • $12,610Average Assets, quarterly
  • $75,217Volatile liabilities
  • $76,291Insider loans
  • $27,350FHLB advances
  • $76,455Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $12,364Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,177Restructured Loans and leases
  • $1,074Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,644Total interest income
  • $722Total interest expense
  • $1,922Net interest income
  • $0Provision for loan and lease losses
  • $105Total noninterest income
  • $0Fiduciary activities
  • $85Service charges on deposit accounts
  • $0Trading account gains & fees
  • $20Additional noninterest income
  • $1,593Total noninterest expense
  • $959Salaries and employee benefits
  • $162Premises and equipment expense
  • $472Additional noninterest expense
  • $434Pre-tax net operating income
  • $11Securities gains (losses)
  • $114Applicable income taxes
  • $331Income before extraordinary items
  • $0Extraordinary gains - net
  • $331Net income attributable to bank
  • $0Net charge-offs
  • $331Cash dividends
  • $2Sale, conversion, retirement of capital stock, net
  • $132Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.75%Yield on earning assets
  • 1.02%Cost of funding earning assets
  • 2.73%Net interest margin
  • 0.15%Noninterest income to earning assets
  • 2.26%Noninterest expense to earning assets
  • 0.43%Net operating income to assets
  • 0.44%Return on assets (ROA)
  • 0.59%Pretax return on assets
  • 2.78%Return on equity (ROE)
  • 1.67%Retained earnings to average equity (YTD only)
  • 0.01%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 217.00%Efficiency ratio
  • 78,589Assets per employee
  • 3.66%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 39.88%Loss allowance to loans
  • 1.35%Loss allowance to noncurrent loans
  • 321.33%Noncurrent assets plus other real estate owned to assets
  • 0.10%Noncurrent loans to loans
  • 0.42%Net loans and leases to deposits
  • 27.54%Net loans and leases to core deposits
  • 28.27%Equity capital to assets
  • 16.37%Core capital (leverage) ratio
  • 16.17%Tier 1 risk-based capital ratio
  • 45.21%Total risk-based capital ratio
  • Memoranda
  • $46Average assets
  • $75,217Average earning assets
  • $11,927Average equity
  • $70,453Average loans

List of branches

  • 4 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    010588Bank Of Stronghurst108 East Main Street, Stronghurst, IL 61480April 27, 1946Full Service Brick and Mortar
    1238032Lomax BranchOne Auburn Street, Lomax, IL 61454November 25, 1996Full Service Brick and Mortar
    2433042Dallas City Branch605 West Third Street, Dallas City, IL 62330November 15, 2004Full Service Brick and Mortar
    3439669Little York Branch106 East Main Street, Little York, IL 61453April 05, 2005Full Service Brick and Mortar

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