First State Bank of Beecher City in Beecher City, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • First State Bank of Beecher City in Beecher City, Illinois (IL)
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First State Bank of Beecher City - Overview

  • General
  • FDIC Certificate #: 10871
    Status: Active
    Federal Reserve ID: 601041
    Bank Holding Company (Regulatory Top Holder): Tri-County Bancshares, Inc (RSSDID: 3122837, Location: Beecher City, IL)
    Date Established: January 01, 1910
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 14660
    FDIC's unique #: 6955
    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: Yes
    Asset Concentration Hierarchy: All Other Specialization < 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: 101 South Charles Street, Beecher City, IL 62414
    County: Effingham
    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
    Core Based Statistical Area (CBSA): Effingham, IL (#20820)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $61.9 mil
    Equity capital: $7.8 mil
    Deposits held in domestic offices: $53.9 mil
    Return on assets (ROA): 1.77% ($1.1 mil)
    Quarterly return on assets: 1.43% ($0.9 mil)
    Return on Equity (ROE): 14.40% ($1.2 mil)
    Quarterly return on equity: 11.50% ($0.9 mil)
    Net income: $1.1 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.79% ($1,107.6 mil)
    Quarterly Pretax return on assets: 1.43% ($884.9 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
  • 15Total employees (full-time equivalent)
  • $61,878Total assets
  • $6,686Cash and due from depository institutions
  • $14Interest-bearing balances
  • $9,081Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $45,222Net loans & leases
  • $898Loan loss allowance
  • $0Trading account assets
  • $73Bank premises and fixed assets
  • $85Other real estate owned
  • $0Goodwill and other intangibles
  • $61,878Life insurance assets
  • $731All other assets
  • $54,086Total liabilities and capital
  • $53,928Total liabilities
  • $47,497Total deposits
  • $53,928Interest-bearing deposits
  • $86Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $158Subordinated debt
  • $7,792All other liabilities
  • $7,792Total equity capital
  • $7,792Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $1,400Surplus
  • $6,192Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $957Income earned, not collected on loans
  • $0Earning assets
  • $461Long-term assets (5+ years)
  • $54,317Average Assets, year-to-date
  • $1,304Average Assets, quarterly
  • $60,417Volatile liabilities
  • $62,027Insider loans
  • $46,363FHLB advances
  • $62,386Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $7,736Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $6,021Restructured Loans and leases
  • $571Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,193Total interest income
  • $555Total interest expense
  • $2,638Net interest income
  • $340Provision for loan and lease losses
  • $304Total noninterest income
  • $0Fiduciary activities
  • $241Service charges on deposit accounts
  • $0Trading account gains & fees
  • $63Additional noninterest income
  • $1,521Total noninterest expense
  • $870Salaries and employee benefits
  • $86Premises and equipment expense
  • $565Additional noninterest expense
  • $1,081Pre-tax net operating income
  • $0Securities gains (losses)
  • $10Applicable income taxes
  • $1,071Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,071Net income attributable to bank
  • $0Net charge-offs
  • $1,071Cash dividends
  • $170Sale, conversion, retirement of capital stock, net
  • $567Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.21%Yield on earning assets
  • 1.08%Cost of funding earning assets
  • 5.13%Net interest margin
  • 0.59%Noninterest income to earning assets
  • 2.96%Noninterest expense to earning assets
  • 1.77%Net operating income to assets
  • 1.77%Return on assets (ROA)
  • 1.79%Pretax return on assets
  • 14.40%Return on equity (ROE)
  • 6.78%Retained earnings to average equity (YTD only)
  • 0.38%Net charge-offs to loans
  • 200.00%Credit loss provision to net charge-offs
  • 8.36%Efficiency ratio
  • 51,700Assets per employee
  • 4.13%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 52.94%Loss allowance to loans
  • 1.95%Loss allowance to noncurrent loans
  • 93.83%Noncurrent assets plus other real estate owned to assets
  • 1.68%Noncurrent loans to loans
  • 2.08%Net loans and leases to deposits
  • 83.86%Net loans and leases to core deposits
  • 87.09%Equity capital to assets
  • 12.59%Core capital (leverage) ratio
  • 12.40%Tier 1 risk-based capital ratio
  • 16.69%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $60,417Average earning assets
  • $7,436Average equity
  • $51,429Average loans

List of branches

  • 1 Illinois Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06955First State Bank Of Beecher City101 South Charles Street, Beecher City, IL 62414January 01, 1910Full Service Brick and Mortar

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