Community Banks of Shelby County in Cowden, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

Community Banks of Shelby County - Overview

  • General
  • FDIC Certificate #: 920
    Status: Active
    Federal Reserve ID: 102539
    Bank Holding Company (Regulatory Top Holder): Cowden Bancorp, Inc. (RSSDID: 1204467, Location: Springfield, IL)
    Date Established: January 01, 1892
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 595
    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: Yes
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 16, 2012
    Last Structure Change Process Date: March 19, 2012
    Last Data Update: March 19, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 126 North Grand Ave, Cowden, IL 62422
    County: Shelby
    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
  • Change in Trust Powers
  • Financial Summary
  • Total assets: $45.9 mil
    Equity capital: $5.3 mil
    Deposits held in domestic offices: $40.4 mil
    Return on assets (ROA): 0.68% ($0.3 mil)
    Quarterly return on assets: 0.58% ($0.3 mil)
    Return on Equity (ROE): 6.14% ($0.3 mil)
    Quarterly return on equity: 5.11% ($0.3 mil)
    Net income: $0.3 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.68% ($311.9 mil)
    Quarterly Pretax return on assets: 0.58% ($266.0 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
  • 20Total employees (full-time equivalent)
  • $45,865Total assets
  • $15,523Cash and due from depository institutions
  • $14,643Interest-bearing balances
  • $8,798Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $20,646Net loans & leases
  • $215Loan loss allowance
  • $0Trading account assets
  • $370Bank premises and fixed assets
  • $167Other real estate owned
  • $0Goodwill and other intangibles
  • $45,865Life insurance assets
  • $361All other assets
  • $40,592Total liabilities and capital
  • $40,353Total liabilities
  • $35,756Total deposits
  • $40,353Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 165.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $74Subordinated debt
  • $5,273All other liabilities
  • $5,273Total equity capital
  • $5,273Total bank equity capital
  • $0Perpetual preferred stock
  • $175Common stock
  • $1,100Surplus
  • $3,998Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $29Income earned, not collected on loans
  • $0Earning assets
  • $260Long-term assets (5+ years)
  • $44,087Average Assets, year-to-date
  • $1,252Average Assets, quarterly
  • $47,365Volatile liabilities
  • $45,920Insider loans
  • $24,337FHLB advances
  • $46,518Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $5,273Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,491Restructured Loans and leases
  • $14Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,666Total interest income
  • $252Total interest expense
  • $1,414Net interest income
  • $2Provision for loan and lease losses
  • $247Total noninterest income
  • $0Fiduciary activities
  • $188Service charges on deposit accounts
  • $0Trading account gains & fees
  • $59Additional noninterest income
  • $1,338Total noninterest expense
  • $688Salaries and employee benefits
  • $105Premises and equipment expense
  • $545Additional noninterest expense
  • $321Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $321Income before extraordinary items
  • $0Extraordinary gains - net
  • $321Net income attributable to bank
  • $0Net charge-offs
  • $321Cash dividends
  • $2Sale, conversion, retirement of capital stock, net
  • $210Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.71%Yield on earning assets
  • 0.56%Cost of funding earning assets
  • 3.15%Net interest margin
  • 0.55%Noninterest income to earning assets
  • 2.98%Noninterest expense to earning assets
  • 0.68%Net operating income to assets
  • 0.68%Return on assets (ROA)
  • 0.68%Pretax return on assets
  • 6.14%Return on equity (ROE)
  • 2.12%Retained earnings to average equity (YTD only)
  • 0.01%Net charge-offs to loans
  • 100.00%Credit loss provision to net charge-offs
  • 161.50%Efficiency ratio
  • 80,554Assets per employee
  • 2.29%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 65.42%Loss allowance to loans
  • 1.03%Loss allowance to noncurrent loans
  • 741.38%Noncurrent assets plus other real estate owned to assets
  • 0.43%Noncurrent loans to loans
  • 0.14%Net loans and leases to deposits
  • 51.16%Net loans and leases to core deposits
  • 53.33%Equity capital to assets
  • 11.50%Core capital (leverage) ratio
  • 11.34%Tier 1 risk-based capital ratio
  • 21.67%Total risk-based capital ratio
  • Memoranda
  • $23Average assets
  • $47,365Average earning assets
  • $5,228Average equity
  • $44,935Average loans

Total Fiduciary and Related Assets (December 31, 2010)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $62Managed Assets
  • 1Number of Accounts
  • $62Personal trust and agency accounts
  • $62Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 4Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 3 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0595Community Banks Of Shelby County126 North Grand Ave, Cowden, IL 62422January 01, 1892Full Service Brick and Mortar
    1186659Herrick Facility3 S. Broadway, Herrick, IL 62431January 11, 1982Full Service Brick and Mortar
    3186661Shelbyville Facility2202 West Route16 & Dacey Drive, Shelbyville, IL 62565January 06, 1986Full Service Brick and Mortar

Comment about this bank, ask questions, or add new information about it:

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Community Banks of Shelby County.
Based on public records. Inadvertent errors are possible. does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents