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
No
ID
Name
Address
Established
Service Type
Map
0
6914
Elkville State Bank
110 S 4th St, Elkville, IL 62932
September 17, 1906
Full 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 Elkville State Bank.
Based on public records. Inadvertent errors are possible. bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site. Use at your own risk.
Comment about this bank, ask questions, or add new information about it: