Central Bank Illinois in Geneseo, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

Central Bank Illinois - Overview

  • General
  • FDIC Certificate #: 11670
    Status: Active
    Federal Reserve ID: 931038
    Bank Holding Company (Regulatory Top Holder): Central Banc, Inc. (RSSDID: 1492273, Location: Geneseo, IL)
    Date Established: Febuary 01, 1907
    WWW: http://www.central-bank.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Domestic: 5, Interstate: No)
    OTS Docket #: 11563
    FDIC's unique #: 7457
    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: January 01, 1934
    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: 101 North State Street, Geneseo, IL 61254
    County: Henry
    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
    Metropolitan Statistical Area (MSA): Davenport-Moline-Rock Island, IA-IL (#1960)
    Core Based Statistical Area (CBSA): Davenport-Moline-Rock Island, IA-IL (#19340)
    CBSA Metro Statistical Area: Davenport-Moline-Rock Island, IA-IL (#19340)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $404.7 mil
    Equity capital: $44.4 mil
    Deposits held in domestic offices: $287.6 mil
    Return on assets (ROA): 1.15% ($4.7 mil)
    Quarterly return on assets: 2.00% ($8.1 mil)
    Return on Equity (ROE): 11.01% ($4.8 mil)
    Quarterly return on equity: 18.22% ($8.0 mil)
    Net income: $4.5 mil
    Quarterly Net income: $2.0 mil
    Pretax return on assets: 1.46% ($5,909.2 mil)
    Quarterly Pretax return on assets: 2.04% ($8,256.6 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
  • 82Total employees (full-time equivalent)
  • $404,737Total assets
  • $19,302Cash and due from depository institutions
  • $3,058Interest-bearing balances
  • $121,105Securities
  • $18,780Federal funds sold & reverse repurchase agreements
  • $215,244Net loans & leases
  • $4,648Loan loss allowance
  • $0Trading account assets
  • $5,698Bank premises and fixed assets
  • $1,676Other real estate owned
  • $3,658Goodwill and other intangibles
  • $404,737Life insurance assets
  • $19,274All other assets
  • $360,312Total liabilities and capital
  • $287,606Total liabilities
  • $240,276Total deposits
  • $287,606Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 18536.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $49,000Trading liabilities
  • $0Other borrowed funds
  • $5,170Subordinated debt
  • $44,425All other liabilities
  • $44,425Total equity capital
  • $44,425Total bank equity capital
  • $0Perpetual preferred stock
  • $1,575Common stock
  • $14,202Surplus
  • $28,648Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,116Income earned, not collected on loans
  • $0Earning assets
  • $3,992Long-term assets (5+ years)
  • $358,187Average Assets, year-to-date
  • $95,256Average Assets, quarterly
  • $387,799Volatile liabilities
  • $395,864Insider loans
  • $308,963FHLB advances
  • $374,098Loans and leases held for sale
  • $8,446Unused loan commitments
  • $8,446Tier 1 (core) risk-based capital
  • $38,657Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $51,007Restructured Loans and leases
  • $1,320Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $18,694Total interest income
  • $4,124Total interest expense
  • $14,570Net interest income
  • $2,601Provision for loan and lease losses
  • $3,013Total noninterest income
  • $684Fiduciary activities
  • $665Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,664Additional noninterest income
  • $9,521Total noninterest expense
  • $6,212Salaries and employee benefits
  • $1,003Premises and equipment expense
  • $2,306Additional noninterest expense
  • $5,461Pre-tax net operating income
  • $209Securities gains (losses)
  • $1,201Applicable income taxes
  • $4,469Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,469Net income attributable to bank
  • $0Net charge-offs
  • $4,469Cash dividends
  • $1,512Sale, conversion, retirement of capital stock, net
  • $950Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.42%Yield on earning assets
  • 1.19%Cost of funding earning assets
  • 4.22%Net interest margin
  • 0.87%Noninterest income to earning assets
  • 2.76%Noninterest expense to earning assets
  • 1.11%Net operating income to assets
  • 1.15%Return on assets (ROA)
  • 1.46%Pretax return on assets
  • 11.01%Return on equity (ROE)
  • 8.67%Retained earnings to average equity (YTD only)
  • 0.67%Net charge-offs to loans
  • 172.02%Credit loss provision to net charge-offs
  • 5.33%Efficiency ratio
  • 54,149Assets per employee
  • 4.94%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 21.26%Loss allowance to loans
  • 2.11%Loss allowance to noncurrent loans
  • 112.93%Noncurrent assets plus other real estate owned to assets
  • 1.43%Noncurrent loans to loans
  • 1.87%Net loans and leases to deposits
  • 74.84%Net loans and leases to core deposits
  • 81.35%Equity capital to assets
  • 10.98%Core capital (leverage) ratio
  • 10.33%Tier 1 risk-based capital ratio
  • 12.51%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $387,799Average earning assets
  • $40,601Average equity
  • $345,223Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $122,982Managed Assets
  • 1Number of Accounts
  • $96,952Personal trust and agency accounts
  • $57,150Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $13,935Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $15,310Other fiduciary accounts
  • $10,557Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 540Number of Accounts
  • $0Personal trust and agency accounts
  • $13,935Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $26,030Other retirement accounts
  • $0Corporate trust and agency accounts
  • $2,279Other fiduciary accounts
  • $23,640Fiduciary accounts held in foreign offices

List of branches

  • 5 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07457Central Bank Illinois101 North State Street, Geneseo, IL 61254Febuary 01, 1907Full Service Brick and Mortar
    2225456Drive-In FacilityRoute 6 And Iowa Street, Geneseo, IL 61254September 15, 1978Limited Service Facility
    5223052Andover BranchState Road 81 And Mulberry Street, Andover, IL 61233April 15, 1991Full Service Brick and Mortar
    73911Central Bank Fulton Branch1404 14th Avenue, Fulton, IL 61252May 05, 1902Full Service Brick and Mortar
    10457009Princeton Branch317 South Main Street, Princeton, IL 61356November 27, 2006Full Service Brick and Mortar

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