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
    WWW: http://www.bcsb.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)
    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

Comment about this bank, ask questions, or add new information about it:

CAPTCHA

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Brown County State Bank.
Based on public records. Inadvertent errors are possible.
bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents