Brown County State Bank in Mount Sterling, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

Brown County State Bank - Overview

  • General
  • FDIC Certificate #: 11721
    Status: Active
    Federal Reserve ID: 301640
    Bank Holding Company (Regulatory Top Holder): United Community Bancorp, Inc. (RSSDID: 1097182, Location: Chatham, IL)
    Date Established: September 03, 1901
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 14124
    FDIC's unique #: 7495
    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: January 01, 1934
    Last Structure Change Effective Date: July 15, 2006
    Last Structure Change Process Date: October 25, 2006
    Last Data Update: October 25, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 101-103 East Main Street, Mount Sterling, IL 62353
    County: Brown
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Springfield Il
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
  • History of Changes
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $88.6 mil
    Equity capital: $11.5 mil
    Deposits held in domestic offices: $63.0 mil
    Return on assets (ROA): 1.74% ($1.5 mil)
    Quarterly return on assets: 2.10% ($1.9 mil)
    Return on Equity (ROE): 14.85% ($1.6 mil)
    Quarterly return on equity: 15.92% ($1.8 mil)
    Net income: $1.5 mil
    Quarterly Net income: $0.5 mil
    Pretax return on assets: 1.76% ($1,559.0 mil)
    Quarterly Pretax return on assets: 2.12% ($1,877.9 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
  • 19Total employees (full-time equivalent)
  • $88,580Total assets
  • $4,348Cash and due from depository institutions
  • $1,500Interest-bearing balances
  • $22,498Securities
  • $175Federal funds sold & reverse repurchase agreements
  • $54,010Net loans & leases
  • $184Loan loss allowance
  • $0Trading account assets
  • $880Bank premises and fixed assets
  • $260Other real estate owned
  • $1,749Goodwill and other intangibles
  • $88,580Life insurance assets
  • $4,660All other assets
  • $77,115Total liabilities and capital
  • $63,031Total liabilities
  • $46,927Total deposits
  • $63,031Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 100.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $12,913Trading liabilities
  • $0Other borrowed funds
  • $1,071Subordinated debt
  • $11,465All other liabilities
  • $11,465Total equity capital
  • $11,465Total bank equity capital
  • $0Perpetual preferred stock
  • $300Common stock
  • $9,280Surplus
  • $1,885Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $356Income earned, not collected on loans
  • $0Earning assets
  • $701Long-term assets (5+ years)
  • $78,183Average Assets, year-to-date
  • $30,520Average Assets, quarterly
  • $86,417Volatile liabilities
  • $88,162Insider loans
  • $56,623FHLB advances
  • $86,845Loans and leases held for sale
  • $2,099Unused loan commitments
  • $2,099Tier 1 (core) risk-based capital
  • $8,981Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,744Restructured Loans and leases
  • $35Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,675Total interest income
  • $742Total interest expense
  • $2,933Net interest income
  • $180Provision for loan and lease losses
  • $890Total noninterest income
  • $0Fiduciary activities
  • $298Service charges on deposit accounts
  • $0Trading account gains & fees
  • $592Additional noninterest income
  • $2,125Total noninterest expense
  • $1,093Salaries and employee benefits
  • $323Premises and equipment expense
  • $709Additional noninterest expense
  • $1,518Pre-tax net operating income
  • $0Securities gains (losses)
  • $18Applicable income taxes
  • $1,500Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,500Net income attributable to bank
  • $0Net charge-offs
  • $1,500Cash dividends
  • $239Sale, conversion, retirement of capital stock, net
  • $1,273Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.82%Yield on earning assets
  • 0.97%Cost of funding earning assets
  • 3.85%Net interest margin
  • 1.17%Noninterest income to earning assets
  • 2.79%Noninterest expense to earning assets
  • 1.74%Net operating income to assets
  • 1.74%Return on assets (ROA)
  • 1.76%Pretax return on assets
  • 14.85%Return on equity (ROE)
  • 2.25%Retained earnings to average equity (YTD only)
  • 0.41%Net charge-offs to loans
  • 75.31%Credit loss provision to net charge-offs
  • 7.10%Efficiency ratio
  • 53,570Assets per employee
  • 4.66%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 84.87%Loss allowance to loans
  • 0.34%Loss allowance to noncurrent loans
  • 51.69%Noncurrent assets plus other real estate owned to assets
  • 0.70%Noncurrent loans to loans
  • 0.66%Net loans and leases to deposits
  • 85.69%Net loans and leases to core deposits
  • 96.02%Equity capital to assets
  • 12.94%Core capital (leverage) ratio
  • 10.34%Tier 1 risk-based capital ratio
  • 15.86%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $86,417Average earning assets
  • $10,101Average equity
  • $76,227Average loans

List of branches

  • 2 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07495Brown County State Bank101-103 East Main Street, Mount Sterling, IL 62353September 03, 1901Full Service Brick and Mortar
    16696Golden State Bank - Branch321 Quincy Street, Golden, IL 62339May 10, 1910Full Service Brick and Mortar

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