Community State Bank of Rock Falls in Rock Falls, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

Community State Bank of Rock Falls - Overview

  • General
  • FDIC 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
    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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 58Total employees (full-time equivalent)
  • $243,953Total assets
  • $7,957Cash and due from depository institutions
  • $82Interest-bearing balances
  • $41,039Securities
  • $24,850Federal funds sold & reverse repurchase agreements
  • $156,686Net loans & leases
  • $2,498Loan loss allowance
  • $0Trading account assets
  • $4,933Bank premises and fixed assets
  • $1,260Other real estate owned
  • $1,793Goodwill and other intangibles
  • $243,953Life insurance assets
  • $5,435All other assets
  • $222,310Total liabilities and capital
  • $220,468Total liabilities
  • $195,059Total deposits
  • $220,468Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 201.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,641Subordinated debt
  • $21,643All other liabilities
  • $21,643Total equity capital
  • $21,643Total bank equity capital
  • $0Perpetual preferred stock
  • $400Common stock
  • $11,368Surplus
  • $9,875Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $311Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,207Income earned, not collected on loans
  • $0Earning assets
  • $1,264Long-term assets (5+ years)
  • $222,657Average Assets, year-to-date
  • $63,405Average Assets, quarterly
  • $236,468Volatile liabilities
  • $240,495Insider loans
  • $147,280FHLB advances
  • $237,530Loans and leases held for sale
  • $2,441Unused loan commitments
  • $1,235Tier 1 (core) risk-based capital
  • $19,981Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $1,206Total unused commitments
  • $16,031Restructured Loans and leases
  • $153Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $10,433Total interest income
  • $2,586Total interest expense
  • $7,847Net interest income
  • $709Provision for loan and lease losses
  • $1,303Total noninterest income
  • $0Fiduciary activities
  • $558Service charges on deposit accounts
  • $0Trading account gains & fees
  • $745Additional noninterest income
  • $6,212Total noninterest expense
  • $2,915Salaries and employee benefits
  • $862Premises and equipment expense
  • $2,435Additional noninterest expense
  • $2,229Pre-tax net operating income
  • $133Securities gains (losses)
  • $800Applicable income taxes
  • $1,562Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,562Net income attributable to bank
  • $0Net charge-offs
  • $1,562Cash dividends
  • $360Sale, conversion, retirement of capital stock, net
  • $598Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.94%Yield on earning assets
  • 1.22%Cost of funding earning assets
  • 3.71%Net interest margin
  • 0.62%Noninterest income to earning assets
  • 2.94%Noninterest expense to earning assets
  • 0.62%Net operating income to assets
  • 0.66%Return on assets (ROA)
  • 1.00%Pretax return on assets
  • 8.38%Return on equity (ROE)
  • 5.17%Retained earnings to average equity (YTD only)
  • 0.23%Net charge-offs to loans
  • 196.94%Credit loss provision to net charge-offs
  • 8.16%Efficiency ratio
  • 67,891Assets per employee
  • 4.21%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 38.28%Loss allowance to loans
  • 1.57%Loss allowance to noncurrent loans
  • 77.89%Noncurrent assets plus other real estate owned to assets
  • 1.83%Noncurrent loans to loans
  • 2.01%Net loans and leases to deposits
  • 71.07%Net loans and leases to core deposits
  • 72.56%Equity capital to assets
  • 8.87%Core capital (leverage) ratio
  • 8.41%Tier 1 risk-based capital ratio
  • 13.57%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $236,468Average earning assets
  • $18,637Average equity
  • $211,288Average loans

Total Fiduciary and Related Assets (December 31, 2001)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $66Managed Assets
  • 1Number of Accounts
  • $66Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $66Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 1Number 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

  • 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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