Cissna Park State Bank in Cissna Park, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

Cissna Park State Bank - Overview

  • General
  • FDIC Certificate #: 10446
    Status: Active
    Federal Reserve ID: 687830
    Bank Holding Company (Regulatory Top Holder): Agricultural Banking Corporation (RSSDID: 1247624, Location: Paxton, IL)
    Date Established: June 14, 1920
    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 #: 13930
    FDIC's unique #: 6679
    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: 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: 102 South Second Street, Cissna Park, IL 60924
    County: Iroquois
    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
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $53.2 mil
    Equity capital: $5.2 mil
    Deposits held in domestic offices: $46.8 mil
    Return on assets (ROA): 0.59% ($0.3 mil)
    Quarterly return on assets: 0.93% ($0.5 mil)
    Return on Equity (ROE): 6.18% ($0.3 mil)
    Quarterly return on equity: 9.39% ($0.5 mil)
    Net income: $0.3 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.59% ($313.6 mil)
    Quarterly Pretax return on assets: 0.93% ($494.4 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
  • 12Total employees (full-time equivalent)
  • $53,161Total assets
  • $9,712Cash and due from depository institutions
  • $9,405Interest-bearing balances
  • $17,992Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $24,047Net loans & leases
  • $139Loan loss allowance
  • $0Trading account assets
  • $229Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $53,161Life insurance assets
  • $1,181All other assets
  • $47,962Total liabilities and capital
  • $46,824Total liabilities
  • $36,898Total deposits
  • $46,824Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,000Trading liabilities
  • $0Other borrowed funds
  • $138Subordinated debt
  • $5,199All other liabilities
  • $5,199Total equity capital
  • $5,199Total bank equity capital
  • $0Perpetual preferred stock
  • $300Common stock
  • $2,116Surplus
  • $2,783Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $174Income earned, not collected on loans
  • $0Earning assets
  • $424Long-term assets (5+ years)
  • $51,444Average Assets, year-to-date
  • $6,651Average Assets, quarterly
  • $52,355Volatile liabilities
  • $52,476Insider loans
  • $28,640FHLB advances
  • $56,483Loans and leases held for sale
  • $330Unused loan commitments
  • $330Tier 1 (core) risk-based capital
  • $4,939Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $10,770Restructured Loans and leases
  • $1,991Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,661Total interest income
  • $326Total interest expense
  • $1,335Net interest income
  • $252Provision for loan and lease losses
  • $233Total noninterest income
  • $0Fiduciary activities
  • $126Service charges on deposit accounts
  • $0Trading account gains & fees
  • $107Additional noninterest income
  • $1,104Total noninterest expense
  • $672Salaries and employee benefits
  • $95Premises and equipment expense
  • $337Additional noninterest expense
  • $212Pre-tax net operating income
  • $99Securities gains (losses)
  • $0Applicable income taxes
  • $311Income before extraordinary items
  • $0Extraordinary gains - net
  • $311Net income attributable to bank
  • $0Net charge-offs
  • $311Cash dividends
  • $476Sale, conversion, retirement of capital stock, net
  • $270Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.33%Yield on earning assets
  • 0.65%Cost of funding earning assets
  • 2.67%Net interest margin
  • 0.47%Noninterest income to earning assets
  • 2.21%Noninterest expense to earning assets
  • 0.40%Net operating income to assets
  • 0.59%Return on assets (ROA)
  • 0.59%Pretax return on assets
  • 6.18%Return on equity (ROE)
  • 0.82%Retained earnings to average equity (YTD only)
  • 2.13%Net charge-offs to loans
  • 52.94%Credit loss provision to net charge-offs
  • 0.97%Efficiency ratio
  • 70,408Assets per employee
  • 4.43%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 86.82%Loss allowance to loans
  • 0.57%Loss allowance to noncurrent loans
  • 79.89%Noncurrent assets plus other real estate owned to assets
  • 0.33%Noncurrent loans to loans
  • 0.72%Net loans and leases to deposits
  • 51.36%Net loans and leases to core deposits
  • 51.63%Equity capital to assets
  • 9.78%Core capital (leverage) ratio
  • 8.74%Tier 1 risk-based capital ratio
  • 17.25%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $52,355Average earning assets
  • $5,030Average equity
  • $49,925Average loans

List of branches

  • 2 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06679Cissna Park State Bank102 South Second Street, Cissna Park, IL 60924June 14, 1920Full Service Brick and Mortar
    1222410Cissna Branch101 West Church Street, Cissna Park, IL 60924March 05, 1990Limited Service Facility

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