Germantown Trust & Savings Bank in Breese, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

Germantown Trust & Savings Bank - Overview

  • General
  • FDIC Certificate #: 12113
    Status: Active
    Federal Reserve ID: 830748
    Bank Holding Company (Regulatory Top Holder): Germantown Banc Corp. (RSSDID: 1098741, Location: Germantown, IL)
    Date Established: Febuary 06, 1906
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 12626
    FDIC's unique #: 7695
    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: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    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: 205 Germantown Road, Breese, IL 62230
    County: Clinton
    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
    Metropolitan Statistical Area (MSA): St. Louis, MO-IL (#7040)
    Combined Statistical Area (CSA): St. Louis-St. Charles-Farmington, MO-IL (#476)
    Core Based Statistical Area (CBSA): St. Louis, MO-IL (#41180)
    CBSA Metro Statistical Area: St. Louis, MO-IL (#41180)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $327.1 mil
    Equity capital: $46.9 mil
    Deposits held in domestic offices: $253.2 mil
    Return on assets (ROA): 1.74% ($5.7 mil)
    Quarterly return on assets: 1.88% ($6.1 mil)
    Return on Equity (ROE): 12.46% ($5.9 mil)
    Quarterly return on equity: 13.21% ($6.2 mil)
    Net income: $5.6 mil
    Quarterly Net income: $1.5 mil
    Pretax return on assets: 1.76% ($5,756.8 mil)
    Quarterly Pretax return on assets: 1.90% ($6,214.7 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
  • 40Total employees (full-time equivalent)
  • $327,092Total assets
  • $4,809Cash and due from depository institutions
  • $1,689Interest-bearing balances
  • $179,163Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $137,979Net loans & leases
  • $988Loan loss allowance
  • $0Trading account assets
  • $1,278Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $327,092Life insurance assets
  • $3,863All other assets
  • $280,167Total liabilities and capital
  • $253,228Total liabilities
  • $229,716Total deposits
  • $253,228Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 2710.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $23,750Trading liabilities
  • $0Other borrowed funds
  • $479Subordinated debt
  • $46,925All other liabilities
  • $46,925Total equity capital
  • $46,925Total bank equity capital
  • $0Perpetual preferred stock
  • $300Common stock
  • $3,500Surplus
  • $43,125Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $117Income earned, not collected on loans
  • $0Earning assets
  • $1,751Long-term assets (5+ years)
  • $318,831Average Assets, year-to-date
  • $117,451Average Assets, quarterly
  • $323,223Volatile liabilities
  • $327,506Insider loans
  • $166,965FHLB advances
  • $322,657Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $41,946Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $9,646Restructured Loans and leases
  • $1,069Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $12,755Total interest income
  • $4,763Total interest expense
  • $7,992Net interest income
  • $30Provision for loan and lease losses
  • $760Total noninterest income
  • $34Fiduciary activities
  • $241Service charges on deposit accounts
  • $0Trading account gains & fees
  • $485Additional noninterest income
  • $3,375Total noninterest expense
  • $2,480Salaries and employee benefits
  • $370Premises and equipment expense
  • $525Additional noninterest expense
  • $5,347Pre-tax net operating income
  • $344Securities gains (losses)
  • $59Applicable income taxes
  • $5,632Income before extraordinary items
  • $0Extraordinary gains - net
  • $5,632Net income attributable to bank
  • $0Net charge-offs
  • $5,632Cash dividends
  • -$1Sale, conversion, retirement of capital stock, net
  • $4,442Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.06%Yield on earning assets
  • 1.52%Cost of funding earning assets
  • 2.54%Net interest margin
  • 0.24%Noninterest income to earning assets
  • 1.07%Noninterest expense to earning assets
  • 1.64%Net operating income to assets
  • 1.74%Return on assets (ROA)
  • 1.76%Pretax return on assets
  • 12.46%Return on equity (ROE)
  • 2.63%Retained earnings to average equity (YTD only)
  • -0.00%Net charge-offs to loans
  • -3000.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 38,563Assets per employee
  • 8.18%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 78.87%Loss allowance to loans
  • 0.71%Loss allowance to noncurrent loans
  • 844.44%Noncurrent assets plus other real estate owned to assets
  • 0.04%Noncurrent loans to loans
  • 0.08%Net loans and leases to deposits
  • 54.49%Net loans and leases to core deposits
  • 55.96%Equity capital to assets
  • 14.35%Core capital (leverage) ratio
  • 13.00%Tier 1 risk-based capital ratio
  • 25.12%Total risk-based capital ratio
  • Memoranda
  • $26Average assets
  • $323,223Average earning assets
  • $45,212Average equity
  • $314,344Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $21,600Managed Assets
  • 1Number of Accounts
  • $15,880Personal trust and agency accounts
  • $15,880Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 44Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $5,720Other retirement accounts
  • $5,720Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 4 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07695Germantown Trust & Savings Bank205 Germantown Road, Breese, IL 62230Febuary 06, 1906Full Service Brick and Mortar
    1226345Germantown Branch601 Main Street, Germantown, IL 62245December 28, 1988Full Service Brick and Mortar
    27468Bartelso Branch210 West Carlyle Street, Bartelso, IL 62218December 20, 1920Full Service Brick and Mortar
    3225463Beckemeyer Branch160 Louis Street, Beckemeyer, IL 62219December 04, 1996Full Service Brick and Mortar

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