German-American State Bank in German Valley, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • German-American State Bank in German Valley, Illinois (IL)
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German-American State Bank - Overview

  • General
  • FDIC Certificate #: 5749
    Status: Active
    Federal Reserve ID: 556936
    Bank Holding Company (Regulatory Top Holder): Foresight Financial Group, Inc. (RSSDID: 1137453, Location: Rockford, IL)
    Date Established: January 06, 1907
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 15373
    FDIC's unique #: 3921
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: June 02, 2010
    Last Structure Change Process Date: June 02, 2010
    Last Data Update: June 02, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 100 Church Street, German Valley, IL 61039
    County: Stephenson
    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
    Combined Statistical Area (CSA): Rockford-Freeport-Rochelle, IL (#466)
    Core Based Statistical Area (CBSA): Freeport, IL (#23300)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $195.9 mil
    Equity capital: $18.0 mil
    Deposits held in domestic offices: $170.1 mil
    Return on assets (ROA): 1.06% ($2.1 mil)
    Quarterly return on assets: 0.94% ($1.8 mil)
    Return on Equity (ROE): 11.70% ($2.1 mil)
    Quarterly return on equity: 10.21% ($1.8 mil)
    Net income: $2.0 mil
    Quarterly Net income: $0.5 mil
    Pretax return on assets: 1.56% ($3,056.4 mil)
    Quarterly Pretax return on assets: 1.38% ($2,703.8 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
  • 37Total employees (full-time equivalent)
  • $195,926Total assets
  • $3,326Cash and due from depository institutions
  • $263Interest-bearing balances
  • $45,312Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $141,577Net loans & leases
  • $2,842Loan loss allowance
  • $0Trading account assets
  • $1,237Bank premises and fixed assets
  • $70Other real estate owned
  • $0Goodwill and other intangibles
  • $195,926Life insurance assets
  • $4,404All other assets
  • $177,920Total liabilities and capital
  • $170,089Total liabilities
  • $154,484Total deposits
  • $170,089Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 3303.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $3,500Trading liabilities
  • $0Other borrowed funds
  • $1,028Subordinated debt
  • $18,006All other liabilities
  • $18,006Total equity capital
  • $18,006Total bank equity capital
  • $0Perpetual preferred stock
  • $400Common stock
  • $2,737Surplus
  • $14,869Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,363Income earned, not collected on loans
  • $0Earning assets
  • $1,509Long-term assets (5+ years)
  • $187,152Average Assets, year-to-date
  • $49,822Average Assets, quarterly
  • $189,230Volatile liabilities
  • $193,488Insider loans
  • $151,503FHLB advances
  • $193,193Loans and leases held for sale
  • $1,200Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $17,036Tier 2 risk-based capital
  • $1,200Total risk weighted assets
  • $0Total unused commitments
  • $22,850Restructured Loans and leases
  • $5,311Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $9,415Total interest income
  • $2,342Total interest expense
  • $7,073Net interest income
  • $1,100Provision for loan and lease losses
  • $1,015Total noninterest income
  • $0Fiduciary activities
  • $375Service charges on deposit accounts
  • $0Trading account gains & fees
  • $640Additional noninterest income
  • $4,030Total noninterest expense
  • $2,079Salaries and employee benefits
  • $410Premises and equipment expense
  • $1,541Additional noninterest expense
  • $2,958Pre-tax net operating income
  • $2Securities gains (losses)
  • $957Applicable income taxes
  • $2,003Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,003Net income attributable to bank
  • $0Net charge-offs
  • $2,003Cash dividends
  • $342Sale, conversion, retirement of capital stock, net
  • $764Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.19%Yield on earning assets
  • 1.29%Cost of funding earning assets
  • 3.90%Net interest margin
  • 0.56%Noninterest income to earning assets
  • 2.22%Noninterest expense to earning assets
  • 1.06%Net operating income to assets
  • 1.06%Return on assets (ROA)
  • 1.56%Pretax return on assets
  • 11.70%Return on equity (ROE)
  • 7.24%Retained earnings to average equity (YTD only)
  • 0.24%Net charge-offs to loans
  • 321.64%Credit loss provision to net charge-offs
  • 11.87%Efficiency ratio
  • 49,827Assets per employee
  • 5.30%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 38.14%Loss allowance to loans
  • 1.97%Loss allowance to noncurrent loans
  • 84.51%Noncurrent assets plus other real estate owned to assets
  • 1.75%Noncurrent loans to loans
  • 2.33%Net loans and leases to deposits
  • 83.24%Net loans and leases to core deposits
  • 91.15%Equity capital to assets
  • 9.19%Core capital (leverage) ratio
  • 8.82%Tier 1 risk-based capital ratio
  • 11.24%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $189,230Average earning assets
  • $17,117Average equity
  • $181,242Average loans

List of branches

  • 4 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03921German-American State Bank100 Church Street, German Valley, IL 61039January 06, 1907Full Service Brick and Mortar
    1208094Seward Facility3034 So Pecatonica Road, Seward, IL 61077March 01, 1982Full Service Brick and Mortar
    2208095Pecatonica Facility1305 Main Street, Pecatonica, IL 61063May 05, 1997Full Service Brick and Mortar
    3446097Winnebago Branch809 Cannell-Puri Court, Winnebago, IL 61088December 12, 2005Full Service Brick and Mortar

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