Community State Bank of Rock Falls in Rock Falls, Illinois (IL)



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Community State Bank of Rock Falls routing number info

Table of contents:
Community State Bank of Rock Falls
GeneralFDIC Certificate #: 21988
Status: Active
Federal Reserve ID: 875048
Bank Holding Company (Regulatory Top Holder): Community Illinois Corporation (RSSDID: 1427659, Location: Rock Falls, IL)
Date Established: April 24, 1975
WWW: http://www.commstbk.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 5 (Domestic: 5, Interstate: No)
OTS Docket #: 13054
FDIC's unique #: 15247
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: April 24, 1975
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
LocationAddress: 1801 First Avenue, Rock Falls, IL 61071
County: Whiteside
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
Core Based Statistical Area (CBSA): Sterling, IL (#44580)
CBSA Micro Statistical Area: Yes
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $244.0 mil
Equity capital: $21.6 mil
Deposits held in domestic offices: $220.5 mil
Return on assets (ROA): 0.66% ($1.6 mil)
Quarterly return on assets: 0.63% ($1.5 mil)
Return on Equity (ROE): 8.38% ($1.8 mil)
Quarterly return on equity: 6.96% ($1.5 mil)
Net income: $1.6 mil
Quarterly Net income: $0.4 mil
Pretax return on assets: 1.00% ($2,439.5 mil)
Quarterly Pretax return on assets: 0.95% ($2,317.6 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)
Total employees (full-time equivalent)58
Total assets$243,953
Cash and due from depository institutions$7,957
Interest-bearing balances$82
Securities$41,039
Federal funds sold & reverse repurchase agreements$24,850
Net loans & leases$156,686
Loan loss allowance $2,498
Trading account assets$0
Bank premises and fixed assets$4,933
Other real estate owned$1,260
Goodwill and other intangibles$1,793
All other assets$5,435
Life insurance assets$243,953
Total liabilities and capital$222,310
Total liabilities$220,468
Total deposits$195,059
Interest-bearing deposits$220,468
Deposits held in domestic offices$95
% insured (estimated)201.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $1,641
All other liabilities $21,643
Total equity capital$21,643
Total bank equity capital$21,643
Perpetual preferred stock$0
Common stock$400
Surplus$11,368
Undivided profits $9,875
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $311
Income earned, not collected on loans $3,207
Earning assets $0
Long-term assets (5+ years) $1,264
Average Assets, year-to-date $222,657
Average Assets, quarterly $63,405
Volatile liabilities $236,468
Insider loans $240,495
FHLB advances $147,280
Loans and leases held for sale $237,530
Unused loan commitments $2,441
Tier 1 (core) risk-based capital $1,235
Tier 2 risk-based capital $19,981
Total risk weighted assets $0
Total unused commitments $1,206
Restructured Loans and leases $16,031
Derivatives$153
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $10,433
Total interest expense $2,586
Net interest income $7,847
Provision for loan and lease losses $709
Total noninterest income $1,303
Fiduciary activities $0
Service charges on deposit accounts $558
Trading account gains & fees $0
Additional noninterest income $745
Total noninterest expense $6,212
Salaries and employee benefits $2,915
Premises and equipment expense $862
Additional noninterest expense $2,435
Pre-tax net operating income $2,229
Securities gains (losses) $133
Applicable income taxes $800
Income before extraordinary items $1,562
Extraordinary gains - net $0
Net income attributable to bank $1,562
Net charge-offs $0
Cash dividends $1,562
Sale, conversion, retirement of capital stock, net $360
Net operating income $598
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.94%
Cost of funding earning assets 1.22%
Net interest margin 3.71%
Noninterest income to earning assets 0.62%
Noninterest expense to earning assets 2.94%
Net operating income to assets 0.62%
Return on assets (ROA) 0.66%
Pretax return on assets 1.00%
Return on equity (ROE) 8.38%
Retained earnings to average equity (YTD only) 5.17%
Net charge-offs to loans 0.23%
Credit loss provision to net charge-offs 196.94%
Efficiency ratio8.16%
Assets per employee$67,891
Cash dividends to net income (YTD only)4.21%
Condition Ratios (%)
Loss allowance to loans 38.28%
Loss allowance to noncurrent loans 1.57%
Noncurrent assets plus other real estate owned to assets 77.89%
Noncurrent loans to loans 1.83%
Net loans and leases to deposits2.01%
Net loans and leases to core deposits 71.07%
Equity capital to assets 72.56%
Core capital (leverage) ratio 8.87%
Tier 1 risk-based capital ratio 8.41%
Total risk-based capital ratio 13.57%
Memoranda
Average assets$15
Average earning assets$236,468
Average equity $18,637
Average loans $211,288
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Total Fiduciary and Related Assets (December 31, 2001)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$66
Number of Accounts1
Personal trust and agency accounts$66
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$66
Investment management agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts1
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
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5 Illinois Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
015247Community State Bank Of Rock Falls1801 First Avenue, Rock Falls, IL 61071April 24, 1975Full Service Brick and Mortar
17888Morrison Branch220 East Main Street, Morrison, IL 61270January 01, 1852Full Service Brick and Mortar
5253858Fulton Branch1310 Seventeenth Street, Fulton, IL 61252Febuary 14, 2000Full Service Brick and Mortar
7430115Dixon Branch1021 North Galena Avenue, Dixon, IL 61021December 01, 2003Full Service Brick and Mortar
8506051Sterling Il Branch3210 East Lincolnway, Sterling, IL 61081Febuary 24, 2010Full Service Brick and Mortar
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