Elkville State Bank in Elkville, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches


Elkville State Bank - Overview

  • General
  • FDIC Certificate #: 10810
    Status: Active
    Federal Reserve ID: 827346
    Date Established: September 17, 1906
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 6914
    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: Other Specialized Lending < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    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: 110 S 4th St, Elkville, IL 62932
    County: Jackson
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Mount Vernon
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Combined Statistical Area (CSA): Carbondale-Marion-Herrin, IL (#166)
    Core Based Statistical Area (CBSA): Carbondale, IL (#16060)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Location
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $24.2 mil
    Equity capital: $4.0 mil
    Deposits held in domestic offices: $20.0 mil
    Return on assets (ROA): 0.41% ($0.1 mil)
    Quarterly return on assets: -0.99% (-$0.2 mil)
    Return on Equity (ROE): 2.60% ($0.1 mil)
    Quarterly return on equity: -6.14% (-$0.2 mil)
    Net income: $0.1 mil
    Quarterly Net income: -$0.1 mil
    Pretax return on assets: 0.36% ($87.0 mil)
    Quarterly Pretax return on assets: -0.95% (-$229.5 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
  • 5Total employees (full-time equivalent)
  • $24,161Total assets
  • $3,365Cash and due from depository institutions
  • $2,200Interest-bearing balances
  • $16,932Securities
  • $1,068Federal funds sold & reverse repurchase agreements
  • $2,654Net loans & leases
  • $65Loan loss allowance
  • $0Trading account assets
  • $2Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $24,161Life insurance assets
  • $140All other assets
  • $20,166Total liabilities and capital
  • $20,034Total liabilities
  • $14,920Total deposits
  • $20,034Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $132Subordinated debt
  • $3,995All other liabilities
  • $3,995Total equity capital
  • $3,995Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $1,200Surplus
  • $2,695Undivided 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
  • $106Long-term assets (5+ years)
  • $22,854Average Assets, year-to-date
  • $3,535Average Assets, quarterly
  • $23,922Volatile liabilities
  • $24,539Insider loans
  • $9,084FHLB advances
  • $22,880Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $3,800Tier 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
  • $551Total interest income
  • $113Total interest expense
  • $438Net interest income
  • $0Provision for loan and lease losses
  • $57Total noninterest income
  • $0Fiduciary activities
  • $47Service charges on deposit accounts
  • $0Trading account gains & fees
  • $10Additional noninterest income
  • $410Total noninterest expense
  • $241Salaries and employee benefits
  • $15Premises and equipment expense
  • $154Additional noninterest expense
  • $85Pre-tax net operating income
  • $0Securities gains (losses)
  • -$14Applicable income taxes
  • $99Income before extraordinary items
  • $0Extraordinary gains - net
  • $99Net income attributable to bank
  • $0Net charge-offs
  • $99Cash dividends
  • -$6Sale, conversion, retirement of capital stock, net
  • $15Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 2.42%Yield on earning assets
  • 0.50%Cost of funding earning assets
  • 1.93%Net interest margin
  • 0.25%Noninterest income to earning assets
  • 1.80%Noninterest expense to earning assets
  • 0.41%Net operating income to assets
  • 0.41%Return on assets (ROA)
  • 0.36%Pretax return on assets
  • 2.60%Return on equity (ROE)
  • 2.20%Retained earnings to average equity (YTD only)
  • -0.22%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 82,828Assets per employee
  • 4.83%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 15.15%Loss allowance to loans
  • 2.39%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
  • 13.25%Net loans and leases to core deposits
  • 13.42%Equity capital to assets
  • 16.53%Core capital (leverage) ratio
  • 16.61%Tier 1 risk-based capital ratio
  • 41.83%Total risk-based capital ratio
  • Memoranda
  • $43Average assets
  • $23,922Average earning assets
  • $3,814Average equity
  • $22,741Average loans

List of branches

  • 1 Illinois Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06914Elkville State Bank110 S 4th St, Elkville, IL 62932September 17, 1906Full Service Brick and Mortar

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