Capaha Bank, SB in Tamms, Illinois (IL), MO
Overview, Financial Summary, Detailed Financial Reports, Branches


Capaha Bank, SB - Overview

  • General
  • FDIC Certificate #: 17524
    Status: Active
    Federal Reserve ID: 253440
    Bank Holding Company (Regulatory Top Holder): Tammcorp, Inc. (RSSDID: 1097285, Location: Tamms, IL)
    Date Established: November 26, 1955
    WWW: http://www.capahabank.com
    Trust Powers Granted: No
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 6 (Domestic: 6, Interstate: Yes)
    OTS Docket #: 13642
    FDIC's unique #: 11504
    Numeric code: 41
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: 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: November 26, 1955
    Last Structure Change Effective Date: July 30, 2010
    Last Structure Change Process Date: August 02, 2010
    Last Data Update: August 02, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 145 Russell Avenue, Tamms, IL 62988
    County: Alexander
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Mount Vernon
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Combined Statistical Area (CSA): Cape Girardeau-Sikeston-Jackson, MO-IL (#164)
    Core Based Statistical Area (CBSA): Cape Girardeau-Jackson, MO-IL (#16020)
    CBSA Metro Statistical Area: Cape Girardeau-Jackson, MO-IL (#16020)
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $177.8 mil
    Equity capital: $16.6 mil
    Deposits held in domestic offices: $160.5 mil
    Return on assets (ROA): 0.62% ($1.1 mil)
    Quarterly return on assets: 0.79% ($1.4 mil)
    Return on Equity (ROE): 6.79% ($1.2 mil)
    Quarterly return on equity: 8.65% ($1.5 mil)
    Net income: $1.1 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 0.96% ($1,706.4 mil)
    Quarterly Pretax return on assets: 1.23% ($2,186.3 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
  • 67Total employees (full-time equivalent)
  • $177,751Total assets
  • $17,000Cash and due from depository institutions
  • $10,589Interest-bearing balances
  • $14,193Securities
  • $2,865Federal funds sold & reverse repurchase agreements
  • $128,450Net loans & leases
  • $1,789Loan loss allowance
  • $0Trading account assets
  • $8,563Bank premises and fixed assets
  • $950Other real estate owned
  • $223Goodwill and other intangibles
  • $177,751Life insurance assets
  • $5,507All other assets
  • $161,176Total liabilities and capital
  • $160,545Total liabilities
  • $123,511Total deposits
  • $160,545Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $631Subordinated debt
  • $16,575All other liabilities
  • $16,575Total equity capital
  • $16,575Total bank equity capital
  • $0Perpetual preferred stock
  • $4,883Common stock
  • $6,192Surplus
  • $5,500Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,981Income earned, not collected on loans
  • $352Earning assets
  • $1,285Long-term assets (5+ years)
  • $156,097Average Assets, year-to-date
  • $12,946Average Assets, quarterly
  • $177,976Volatile liabilities
  • $178,793Insider loans
  • $132,195FHLB advances
  • $183,616Loans and leases held for sale
  • $2,400Unused loan commitments
  • $2,400Tier 1 (core) risk-based capital
  • $16,324Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $20,978Restructured Loans and leases
  • $2,154Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $8,207Total interest income
  • $1,342Total interest expense
  • $6,865Net interest income
  • $649Provision for loan and lease losses
  • $1,817Total noninterest income
  • $0Fiduciary activities
  • $768Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,049Additional noninterest income
  • $6,332Total noninterest expense
  • $3,247Salaries and employee benefits
  • $835Premises and equipment expense
  • $2,250Additional noninterest expense
  • $1,701Pre-tax net operating income
  • $6Securities gains (losses)
  • $607Applicable income taxes
  • $1,100Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,100Net income attributable to bank
  • $0Net charge-offs
  • $1,100Cash dividends
  • $262Sale, conversion, retirement of capital stock, net
  • $605Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.21%Yield on earning assets
  • 0.85%Cost of funding earning assets
  • 4.36%Net interest margin
  • 1.15%Noninterest income to earning assets
  • 4.02%Noninterest expense to earning assets
  • 0.62%Net operating income to assets
  • 0.62%Return on assets (ROA)
  • 0.96%Pretax return on assets
  • 6.79%Return on equity (ROE)
  • 3.05%Retained earnings to average equity (YTD only)
  • 0.20%Net charge-offs to loans
  • 247.71%Credit loss provision to net charge-offs
  • 8.97%Efficiency ratio
  • 72,472Assets per employee
  • 2.65%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 55.00%Loss allowance to loans
  • 1.37%Loss allowance to noncurrent loans
  • 90.31%Noncurrent assets plus other real estate owned to assets
  • 1.65%Noncurrent loans to loans
  • 1.52%Net loans and leases to deposits
  • 80.01%Net loans and leases to core deposits
  • 86.38%Equity capital to assets
  • 9.32%Core capital (leverage) ratio
  • 8.89%Tier 1 risk-based capital ratio
  • 12.35%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $177,976Average earning assets
  • $16,210Average equity
  • $157,405Average loans

List of branches

  • 3 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    011504Capaha Bank, Sb145 Russell Avenue, Tamms, IL 62988November 26, 1955Full Service Brick and Mortar
    1241928Cairo Facility2800 Sycamore Street, Cairo, IL 62914August 15, 1983Full Service Brick and Mortar
    4263070Anna Branch358 South Main Street, Anna, IL 62906June 30, 1989Full Service Brick and Mortar
  • 3 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    2241929Cape Girardeau Facility3168 William Street, Cape Girardeau, MO 63701June 09, 1997Full Service Brick and Mortar
    5454542Jackson Branch727 West Main Street, Jackson, MO 63755July 31, 2006Full Service Brick and Mortar
    6455257Kingshighway Branch380 North Kingshighway, Cape Girardeau, MO 63701September 13, 2006Full Service Brick and Mortar

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