Citizens Bank of Edinburg in Edinburg, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches


Citizens Bank of Edinburg - Overview

  • General
  • FDIC Certificate #: 20454
    Status: Active
    Federal Reserve ID: 915935
    Date Established: July 16, 1971
    WWW: http://www.edinburgbank.net
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 15585
    FDIC's unique #: 14101
    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: July 16, 1971
    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: 100 East Washington Street, Edinburg, IL 62531
    County: Christian
    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
    Core Based Statistical Area (CBSA): Taylorville, IL (#45380)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $20.7 mil
    Equity capital: $1.9 mil
    Deposits held in domestic offices: $18.8 mil
    Return on assets (ROA): 0.63% ($0.1 mil)
    Quarterly return on assets: 0.58% ($0.1 mil)
    Return on Equity (ROE): 6.70% ($0.1 mil)
    Quarterly return on equity: 6.21% ($0.1 mil)
    Net income: $0.1 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.84% ($174.2 mil)
    Quarterly Pretax return on assets: 0.87% ($180.4 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
  • 3Total employees (full-time equivalent)
  • $20,738Total assets
  • $3,882Cash and due from depository institutions
  • $3,062Interest-bearing balances
  • $3,768Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $12,344Net loans & leases
  • $71Loan loss allowance
  • $0Trading account assets
  • $168Bank premises and fixed assets
  • $11Other real estate owned
  • $0Goodwill and other intangibles
  • $20,738Life insurance assets
  • $565All other assets
  • $18,833Total liabilities and capital
  • $18,771Total liabilities
  • $15,973Total deposits
  • $18,771Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $62Subordinated debt
  • $1,905All other liabilities
  • $1,905Total equity capital
  • $1,905Total bank equity capital
  • $0Perpetual preferred stock
  • $350Common stock
  • $550Surplus
  • $1,005Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $101Income earned, not collected on loans
  • $0Earning assets
  • $121Long-term assets (5+ years)
  • $19,174Average Assets, year-to-date
  • $2,235Average Assets, quarterly
  • $20,203Volatile liabilities
  • $20,746Insider loans
  • $13,076FHLB advances
  • $20,790Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $1,905Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $224Restructured Loans and leases
  • $411Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $788Total interest income
  • $240Total interest expense
  • $548Net interest income
  • $6Provision for loan and lease losses
  • $73Total noninterest income
  • $0Fiduciary activities
  • $32Service charges on deposit accounts
  • $0Trading account gains & fees
  • $41Additional noninterest income
  • $445Total noninterest expense
  • $212Salaries and employee benefits
  • $47Premises and equipment expense
  • $186Additional noninterest expense
  • $170Pre-tax net operating income
  • $0Securities gains (losses)
  • $42Applicable income taxes
  • $128Income before extraordinary items
  • $0Extraordinary gains - net
  • $128Net income attributable to bank
  • $0Net charge-offs
  • $128Cash dividends
  • $25Sale, conversion, retirement of capital stock, net
  • $87Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.20%Yield on earning assets
  • 1.28%Cost of funding earning assets
  • 2.92%Net interest margin
  • 0.39%Noninterest income to earning assets
  • 2.37%Noninterest expense to earning assets
  • 0.63%Net operating income to assets
  • 0.63%Return on assets (ROA)
  • 0.84%Pretax return on assets
  • 6.70%Return on equity (ROE)
  • 2.15%Retained earnings to average equity (YTD only)
  • 0.21%Net charge-offs to loans
  • 24.00%Credit loss provision to net charge-offs
  • 7.04%Efficiency ratio
  • 71,659Assets per employee
  • 6.91%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 67.97%Loss allowance to loans
  • 0.57%Loss allowance to noncurrent loans
  • 70.30%Noncurrent assets plus other real estate owned to assets
  • 0.54%Noncurrent loans to loans
  • 0.81%Net loans and leases to deposits
  • 65.76%Net loans and leases to core deposits
  • 65.76%Equity capital to assets
  • 9.19%Core capital (leverage) ratio
  • 9.16%Tier 1 risk-based capital ratio
  • 14.57%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $20,203Average earning assets
  • $1,910Average equity
  • $18,772Average loans

List of branches

  • 1 Illinois Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    014101Citizens Bank Of Edinburg100 East Washington Street, Edinburg, IL 62531July 16, 1971Full Service Brick and Mortar

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