Germantown Trust & Savings Bank in Breese, Illinois (IL)



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Germantown Trust & Savings Bank routing number info

Table of contents:
Germantown Trust & Savings Bank
GeneralFDIC 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
WWW: http://www.gtsb.com
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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)40
Total assets$327,092
Cash and due from depository institutions$4,809
Interest-bearing balances$1,689
Securities$179,163
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$137,979
Loan loss allowance $988
Trading account assets$0
Bank premises and fixed assets$1,278
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$3,863
Life insurance assets$327,092
Total liabilities and capital$280,167
Total liabilities$253,228
Total deposits$229,716
Interest-bearing deposits$253,228
Deposits held in domestic offices$94
% insured (estimated)2710.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$23,750
Other borrowed funds $0
Subordinated debt $479
All other liabilities $46,925
Total equity capital$46,925
Total bank equity capital$46,925
Perpetual preferred stock$0
Common stock$300
Surplus$3,500
Undivided profits $43,125
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $117
Earning assets $0
Long-term assets (5+ years) $1,751
Average Assets, year-to-date $318,831
Average Assets, quarterly $117,451
Volatile liabilities $323,223
Insider loans $327,506
FHLB advances $166,965
Loans and leases held for sale $322,657
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $41,946
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $9,646
Derivatives$1,069
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $12,755
Total interest expense $4,763
Net interest income $7,992
Provision for loan and lease losses $30
Total noninterest income $760
Fiduciary activities $34
Service charges on deposit accounts $241
Trading account gains & fees $0
Additional noninterest income $485
Total noninterest expense $3,375
Salaries and employee benefits $2,480
Premises and equipment expense $370
Additional noninterest expense $525
Pre-tax net operating income $5,347
Securities gains (losses) $344
Applicable income taxes $59
Income before extraordinary items $5,632
Extraordinary gains - net $0
Net income attributable to bank $5,632
Net charge-offs $0
Cash dividends $5,632
Sale, conversion, retirement of capital stock, net -$1
Net operating income $4,442
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.06%
Cost of funding earning assets 1.52%
Net interest margin 2.54%
Noninterest income to earning assets 0.24%
Noninterest expense to earning assets 1.07%
Net operating income to assets 1.64%
Return on assets (ROA) 1.74%
Pretax return on assets 1.76%
Return on equity (ROE) 12.46%
Retained earnings to average equity (YTD only) 2.63%
Net charge-offs to loans -0.00%
Credit loss provision to net charge-offs -3000.00%
Efficiency ratio0.00%
Assets per employee$38,563
Cash dividends to net income (YTD only)8.18%
Condition Ratios (%)
Loss allowance to loans 78.87%
Loss allowance to noncurrent loans 0.71%
Noncurrent assets plus other real estate owned to assets 844.44%
Noncurrent loans to loans 0.04%
Net loans and leases to deposits0.08%
Net loans and leases to core deposits 54.49%
Equity capital to assets 55.96%
Core capital (leverage) ratio 14.35%
Tier 1 risk-based capital ratio 13.00%
Total risk-based capital ratio 25.12%
Memoranda
Average assets$26
Average earning assets$323,223
Average equity $45,212
Average loans $314,344
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$21,600
Number of Accounts1
Personal trust and agency accounts$15,880
Employee benefit-defined contribution accounts$15,880
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Investment management agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts44
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$5,720
Corporate trust and agency accounts$5,720
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
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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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