Country Trust Bank in Bloomington, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Country Trust Bank in Bloomington, Illinois (IL)
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Country Trust Bank - Overview

  • General
  • FDIC Certificate #: 35602
    Status: Active
    Federal Reserve ID: 449935
    Date Established: May 01, 2000
    WWW: http://www.countryinvestment.com
    Trust Powers Granted: Yes
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 16088
    FDIC's unique #: 291943
    Numeric code: 33
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion
    Date of Deposit Insurance: May 01, 2000
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 1705 North Towanda Avenue, Bloomington, IL 61701
    County: Mclean
    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
    Metropolitan Statistical Area (MSA): Bloomington-Normal, IL (#1040)
    Core Based Statistical Area (CBSA): Bloomington-Normal, IL (#14060)
    CBSA Metro Statistical Area: Bloomington-Normal, IL (#14060)
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $30.8 mil
    Equity capital: $28.4 mil
    Deposits held in domestic offices: $0.6 mil
    Return on assets (ROA): 10.13% ($3.1 mil)
    Quarterly return on assets: 8.58% ($2.7 mil)
    Return on Equity (ROE): 11.00% ($3.1 mil)
    Quarterly return on equity: 9.34% ($2.6 mil)
    Net income: $3.0 mil
    Quarterly Net income: $0.7 mil
    Pretax return on assets: 17.13% ($5,273.3 mil)
    Quarterly Pretax return on assets: 14.38% ($4,426.7 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
  • 77Total employees (full-time equivalent)
  • $30,784Total assets
  • $4Cash and due from depository institutions
  • $0Interest-bearing balances
  • $25,454Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $0Loan loss allowance
  • $0Trading account assets
  • $0Bank premises and fixed assets
  • $0Other real estate owned
  • $160Goodwill and other intangibles
  • $30,784Life insurance assets
  • $5,166All other assets
  • $2,407Total liabilities and capital
  • $647Total liabilities
  • $647Total deposits
  • $647Interest-bearing deposits
  • $100Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,760Subordinated debt
  • $28,377All other liabilities
  • $28,377Total equity capital
  • $28,377Total bank equity capital
  • $0Perpetual preferred stock
  • $1Common stock
  • $74Surplus
  • $28,302Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $179Long-term assets (5+ years)
  • $25,454Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $29,758Volatile liabilities
  • $30,536Insider loans
  • $14,517FHLB advances
  • $29,908Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $27,789Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $852Total interest income
  • $0Total interest expense
  • $852Net interest income
  • $0Provision for loan and lease losses
  • $28,218Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $28,218Additional noninterest income
  • $23,993Total noninterest expense
  • $14,382Salaries and employee benefits
  • $2,171Premises and equipment expense
  • $7,440Additional noninterest expense
  • $5,077Pre-tax net operating income
  • $22Securities gains (losses)
  • $2,084Applicable income taxes
  • $3,015Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,015Net income attributable to bank
  • $0Net charge-offs
  • $3,015Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $1,500Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.51%Yield on earning assets
  • 0.00%Cost of funding earning assets
  • 3.51%Net interest margin
  • 116.18%Noninterest income to earning assets
  • 98.78%Noninterest expense to earning assets
  • 10.08%Net operating income to assets
  • 10.13%Return on assets (ROA)
  • 17.13%Pretax return on assets
  • 11.00%Return on equity (ROE)
  • 5.53%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 82,535Assets per employee
  • 0.40%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 49.75%Loss allowance to loans
  • 0.00%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 0.00%Net loans and leases to core deposits
  • 0.00%Equity capital to assets
  • 92.18%Core capital (leverage) ratio
  • 92.91%Tier 1 risk-based capital ratio
  • 191.42%Total risk-based capital ratio
  • Memoranda
  • $191Average assets
  • $29,758Average earning assets
  • $27,414Average equity
  • $24,288Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $13,774,053Managed Assets
  • 1Number of Accounts
  • $13,141,556Personal trust and agency accounts
  • $92,337Employee benefit-defined contribution accounts
  • $324,487Employee benefit-defined benefit accounts
  • $12,257Other retirement accounts
  • $635,082Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $12,062,066Other fiduciary accounts
  • $15,327Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 20672Number of Accounts
  • $0Personal trust and agency accounts
  • $578,718Employee benefit-defined contribution accounts
  • $251,444Employee benefit-defined benefit accounts
  • $632,497Other retirement accounts
  • $354Corporate trust and agency accounts
  • $517,868Other fiduciary accounts
  • $112,304Fiduciary accounts held in foreign offices

List of branches

  • 1 Illinois Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0291943Country Trust Bank1705 North Towanda Avenue, Bloomington, IL 61701May 01, 2000Full Service Brick and Mortar

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