Eureka Savings Bank in La Salle, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

Eureka Savings Bank - Overview

  • General
  • FDIC Certificate #: 28401
    Status: Active
    Federal Reserve ID: 587677
    Date Established: January 01, 1885
    Trust Powers Granted: No
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 1520
    FDIC's unique #: 41235
    Numeric code: 42
    Regulator: FDIC
    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: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: March 16, 1942
    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: 250 Marquette Street, La Salle, IL 61301
    County: La Salle
    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): Ottawa-Streator, IL (#36860)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $394.2 mil
    Equity capital: $69.3 mil
    Deposits held in domestic offices: $324.4 mil
    Return on assets (ROA): 0.28% ($1.1 mil)
    Quarterly return on assets: 0.44% ($1.7 mil)
    Return on Equity (ROE): 1.64% ($1.1 mil)
    Quarterly return on equity: 2.52% ($1.7 mil)
    Net income: $1.1 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 0.41% ($1,616.3 mil)
    Quarterly Pretax return on assets: 0.67% ($2,641.3 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
  • 49Total employees (full-time equivalent)
  • $394,227Total assets
  • $29,071Cash and due from depository institutions
  • $27,120Interest-bearing balances
  • $138,298Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $215,057Net loans & leases
  • $2,160Loan loss allowance
  • $0Trading account assets
  • $5,457Bank premises and fixed assets
  • $928Other real estate owned
  • $0Goodwill and other intangibles
  • $394,227Life insurance assets
  • $5,416All other assets
  • $324,922Total liabilities and capital
  • $324,448Total liabilities
  • $320,255Total deposits
  • $324,448Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $474Subordinated debt
  • $69,305All other liabilities
  • $69,305Total equity capital
  • $69,305Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $69,305Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $11,797Income earned, not collected on loans
  • $0Earning assets
  • $1,218Long-term assets (5+ years)
  • $380,475Average Assets, year-to-date
  • $143,894Average Assets, quarterly
  • $398,029Volatile liabilities
  • $394,399Insider loans
  • $162,478FHLB advances
  • $393,066Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $69,216Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $5,721Restructured Loans and leases
  • $561Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $14,268Total interest income
  • $4,695Total interest expense
  • $9,573Net interest income
  • $1,375Provision for loan and lease losses
  • $375Total noninterest income
  • $0Fiduciary activities
  • $355Service charges on deposit accounts
  • $0Trading account gains & fees
  • $20Additional noninterest income
  • $6,899Total noninterest expense
  • $3,432Salaries and employee benefits
  • $768Premises and equipment expense
  • $2,699Additional noninterest expense
  • $1,674Pre-tax net operating income
  • -$35Securities gains (losses)
  • $512Applicable income taxes
  • $1,127Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,127Net income attributable to bank
  • $0Net charge-offs
  • $1,127Cash dividends
  • $1,338Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.72%Yield on earning assets
  • 1.22%Cost of funding earning assets
  • 2.49%Net interest margin
  • 0.10%Noninterest income to earning assets
  • 1.80%Noninterest expense to earning assets
  • 0.29%Net operating income to assets
  • 0.28%Return on assets (ROA)
  • 0.41%Pretax return on assets
  • 1.64%Return on equity (ROE)
  • 1.64%Retained earnings to average equity (YTD only)
  • 0.59%Net charge-offs to loans
  • 102.77%Credit loss provision to net charge-offs
  • 2.28%Efficiency ratio
  • 69,351Assets per employee
  • 8.05%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.99%Loss allowance to noncurrent loans
  • 18.31%Noncurrent assets plus other real estate owned to assets
  • 3.23%Noncurrent loans to loans
  • 5.43%Net loans and leases to deposits
  • 66.28%Net loans and leases to core deposits
  • 67.46%Equity capital to assets
  • 17.58%Core capital (leverage) ratio
  • 17.61%Tier 1 risk-based capital ratio
  • 42.60%Total risk-based capital ratio
  • Memoranda
  • $44Average assets
  • $398,029Average earning assets
  • $68,544Average equity
  • $384,020Average loans

List of branches

  • 4 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    041235Eureka Savings Bank250 Marquette Street, La Salle, IL 61301January 01, 1885Full Service Brick and Mortar
    10040986Mendota Branch1300 13th Avenue, Mendota, IL 61342January 01, 1926Full Service Brick and Mortar
    10143180Oglesby Branch101 North Columbia Street, Oglesby, IL 61348July 14, 1948Full Service Brick and Mortar
    102441112Peru Branch2959 Peoria Street, Peru, IL 61354June 14, 2005Full Service Brick and Mortar

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