CIBM Bank in Champaign, Illinois (IL), WI, IN
Overview, Financial Summary, Detailed Financial Reports, Branches


  • CIBM Bank in Champaign, Illinois (IL), WI, IN
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CIBM Bank - Overview

  • General
  • FDIC Certificate #: 11729
    Status: Active
    Federal Reserve ID: 340742
    Bank Holding Company (Regulatory Top Holder): Cib Marine Bancshares, Inc. (RSSDID: 1139532, Location: Waukesha, WI)
    Date Established: January 01, 1921
    WWW: http://www.cibmbank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 14 (Domestic: 14, Interstate: Yes)
    OTS Docket #: 12767
    FDIC's unique #: 7501
    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: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: August 09, 2010
    Last Structure Change Process Date: August 18, 2010
    Last Data Update: August 18, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 2913 West Kirby Avenue, Champaign, IL 61821
    County: Champaign
    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
    Metropolitan Statistical Area (MSA): Champaign-Urbana, IL (#1400)
    Core Based Statistical Area (CBSA): Champaign-Urbana, IL (#16580)
    CBSA Metro Statistical Area: Champaign-Urbana, IL (#16580)
  • Financial Summary
  • Total assets: $500.2 mil
    Equity capital: $52.2 mil
    Deposits held in domestic offices: $431.1 mil
    Return on assets (ROA): -1.01% (-$5.0 mil)
    Quarterly return on assets: -1.80% (-$9.0 mil)
    Return on Equity (ROE): -9.94% (-$5.2 mil)
    Quarterly return on equity: -17.00% (-$8.8 mil)
    Net income: -$5.5 mil
    Quarterly Net income: -$2.3 mil
    Pretax return on assets: -1.01% (-$5,051.5 mil)
    Quarterly Pretax return on assets: -1.81% (-$9,052.8 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
  • 137Total employees (full-time equivalent)
  • $500,153Total assets
  • $44,828Cash and due from depository institutions
  • $36,672Interest-bearing balances
  • $89,010Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $340,788Net loans & leases
  • $16,016Loan loss allowance
  • $0Trading account assets
  • $4,466Bank premises and fixed assets
  • $6,297Other real estate owned
  • $0Goodwill and other intangibles
  • $500,153Life insurance assets
  • $14,764All other assets
  • $447,960Total liabilities and capital
  • $431,126Total liabilities
  • $364,070Total deposits
  • $431,126Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 9784.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $5,000Trading liabilities
  • $0Other borrowed funds
  • $2,050Subordinated debt
  • $52,193All other liabilities
  • $52,193Total equity capital
  • $52,193Total bank equity capital
  • $0Perpetual preferred stock
  • $481Common stock
  • $120,594Surplus
  • $-68,882Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $22Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $19,246Income earned, not collected on loans
  • $0Earning assets
  • $1,632Long-term assets (5+ years)
  • $466,470Average Assets, year-to-date
  • $91,959Average Assets, quarterly
  • $541,913Volatile liabilities
  • $505,586Insider loans
  • $431,114FHLB advances
  • $512,042Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $55,970Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $31,834Restructured Loans and leases
  • $3,001Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $25,326Total interest income
  • $5,468Total interest expense
  • $19,858Net interest income
  • $6,378Provision for loan and lease losses
  • -$301Total noninterest income
  • $0Fiduciary activities
  • $645Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$946Additional noninterest income
  • $18,359Total noninterest expense
  • $9,680Salaries and employee benefits
  • $2,660Premises and equipment expense
  • $6,019Additional noninterest expense
  • -$5,180Pre-tax net operating income
  • -$288Securities gains (losses)
  • $22Applicable income taxes
  • -$5,490Income before extraordinary items
  • $0Extraordinary gains - net
  • -$5,490Net income attributable to bank
  • $0Net charge-offs
  • -$5,490Cash dividends
  • $4,901Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.97%Yield on earning assets
  • 1.07%Cost of funding earning assets
  • 3.90%Net interest margin
  • -0.06%Noninterest income to earning assets
  • 3.60%Noninterest expense to earning assets
  • -0.96%Net operating income to assets
  • -1.01%Return on assets (ROA)
  • -1.01%Pretax return on assets
  • -9.94%Return on equity (ROE)
  • -9.94%Retained earnings to average equity (YTD only)
  • 1.28%Net charge-offs to loans
  • 130.14%Credit loss provision to net charge-offs
  • 0.24%Efficiency ratio
  • 93,874Assets per employee
  • 3.65%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 4.49%Loss allowance to noncurrent loans
  • 83.22%Noncurrent assets plus other real estate owned to assets
  • 5.26%Noncurrent loans to loans
  • 5.39%Net loans and leases to deposits
  • 79.05%Net loans and leases to core deposits
  • 80.07%Equity capital to assets
  • 10.44%Core capital (leverage) ratio
  • 10.93%Tier 1 risk-based capital ratio
  • 12.98%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $541,913Average earning assets
  • $55,259Average equity
  • $509,283Average loans

List of branches

  • 10 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07501Cibm Bank2913 West Kirby Avenue, Champaign, IL 61821January 01, 1921Full Service Brick and Mortar
    1225488Arrowsmith Branch208 North Main Street, Arrowsmith, IL 61722November 19, 1992Full Service Brick and Mortar
    3225490Bloomington Branch1801 East Empire Street, Bloomington, IL 61704December 18, 1995Full Service Brick and Mortar
    6225493East Peoria Branch803 West Camp Street, East Peoria, IL 61611October 23, 1997Full Service Brick and Mortar
    711894Midtown Branch302 West Springfield, Champaign, IL 61820January 03, 1959Full Service Brick and Mortar
    8243349Sidney Branch219 South David Street, Sidney, IL 61877September 17, 1990Full Service Brick and Mortar
    10243351Urbana Branch1514 North Cunningham, Urbana, IL 61801April 01, 1994Full Service Brick and Mortar
    11243352Monticello Branch204 South Market Street, Monticello, IL 61856May 01, 1995Full Service Brick and Mortar
    12243353Danville Branch2490 North Vermillion Street, Danville, IL 61832August 01, 1995Full Service Brick and Mortar
    29510226Sheridan Road Peoria Branch4125 North Sheridan Road, Peoria, IL 61614June 14, 2010Full Service Brick and Mortar
  • 1 Indiana Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    2761319Cib Bank/Branch5435 North Emerson Way, Indianapolis, IN 46226March 23, 1998Full Service Brick and Mortar
  • 3 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    2343021Marine Bank Branch2323 North Mayfair Road, Wauwatosa, WI 53226January 01, 1923Full Service Brick and Mortar
    25358966Franklin Branch10068 West Loomis Road, Suite B, Franklin, WI 53132August 28, 2000Full Service Brick and Mortar
    30510227Waukesha Wi Branch1930 West Bluemond Road, Suite D, Waukesha, WI 53186June 28, 2010Full Service Brick and Mortar

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