H. F. Gehant Banking Co. in West Brooklyn, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

H. F. Gehant Banking Co. - Overview

  • General
  • FDIC Certificate #: 9264
    Status: Active
    Federal Reserve ID: 274641
    Bank Holding Company (Regulatory Top Holder): H.F. Gehant Bancorp, Inc. (RSSDID: 3366387, Location: West Brooklyn, IL)
    Date Established: June 11, 1897
    WWW: http://www.gehantbank.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 5924
    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: January 26, 2012
    Last Structure Change Process Date: January 31, 2012
    Last Data Update: January 31, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 2514 Johnson Street, West Brooklyn, IL 61378
    County: Lee
    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): Dixon, IL (#19940)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Trust Powers
  • Financial Summary
  • Total assets: $55.7 mil
    Equity capital: $6.1 mil
    Deposits held in domestic offices: $49.6 mil
    Return on assets (ROA): 1.21% ($0.7 mil)
    Quarterly return on assets: 0.99% ($0.6 mil)
    Return on Equity (ROE): 11.28% ($0.7 mil)
    Quarterly return on equity: 9.12% ($0.5 mil)
    Net income: $0.7 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.22% ($679.9 mil)
    Quarterly Pretax return on assets: 1.03% ($574.0 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
  • 12Total employees (full-time equivalent)
  • $55,730Total assets
  • $2,056Cash and due from depository institutions
  • $0Interest-bearing balances
  • $9,989Securities
  • $4,350Federal funds sold & reverse repurchase agreements
  • $37,188Net loans & leases
  • $437Loan loss allowance
  • $0Trading account assets
  • $384Bank premises and fixed assets
  • $11Other real estate owned
  • $0Goodwill and other intangibles
  • $55,730Life insurance assets
  • $1,752All other assets
  • $49,674Total liabilities and capital
  • $49,560Total liabilities
  • $44,761Total deposits
  • $49,560Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $114Subordinated debt
  • $6,056All other liabilities
  • $6,056Total equity capital
  • $6,056Total bank equity capital
  • $0Perpetual preferred stock
  • $157Common stock
  • $471Surplus
  • $5,428Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $582Income earned, not collected on loans
  • $0Earning assets
  • $499Long-term assets (5+ years)
  • $51,527Average Assets, year-to-date
  • $9,509Average Assets, quarterly
  • $54,313Volatile liabilities
  • $55,531Insider loans
  • $35,025FHLB advances
  • $56,306Loans and leases held for sale
  • $1,023Unused loan commitments
  • $1,023Tier 1 (core) risk-based capital
  • $6,056Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $4,075Restructured Loans and leases
  • $379Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,435Total interest income
  • $627Total interest expense
  • $1,808Net interest income
  • $90Provision for loan and lease losses
  • $90Total noninterest income
  • $6Fiduciary activities
  • $45Service charges on deposit accounts
  • $0Trading account gains & fees
  • $39Additional noninterest income
  • $1,145Total noninterest expense
  • $699Salaries and employee benefits
  • $139Premises and equipment expense
  • $307Additional noninterest expense
  • $663Pre-tax net operating income
  • $0Securities gains (losses)
  • $6Applicable income taxes
  • $657Income before extraordinary items
  • $0Extraordinary gains - net
  • $657Net income attributable to bank
  • $0Net charge-offs
  • $657Cash dividends
  • $94Sale, conversion, retirement of capital stock, net
  • $218Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.80%Yield on earning assets
  • 1.24%Cost of funding earning assets
  • 3.57%Net interest margin
  • 0.18%Noninterest income to earning assets
  • 2.26%Noninterest expense to earning assets
  • 1.21%Net operating income to assets
  • 1.21%Return on assets (ROA)
  • 1.22%Pretax return on assets
  • 11.28%Return on equity (ROE)
  • 7.54%Retained earnings to average equity (YTD only)
  • 0.25%Net charge-offs to loans
  • 95.74%Credit loss provision to net charge-offs
  • 8.01%Efficiency ratio
  • 60,327Assets per employee
  • 4.64%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 33.18%Loss allowance to loans
  • 1.16%Loss allowance to noncurrent loans
  • 75.09%Noncurrent assets plus other real estate owned to assets
  • 1.06%Noncurrent loans to loans
  • 1.55%Net loans and leases to deposits
  • 75.04%Net loans and leases to core deposits
  • 78.27%Equity capital to assets
  • 10.87%Core capital (leverage) ratio
  • 10.76%Tier 1 risk-based capital ratio
  • 17.29%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $54,313Average earning assets
  • $5,823Average equity
  • $50,706Average loans

Total Fiduciary and Related Assets (December 31, 2010)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $2,007Managed Assets
  • 1Number of Accounts
  • $2,007Personal trust and agency accounts
  • $1,887Employee 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
  • $120Non-managed Assets
  • 3Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 2 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    05924H. F. Gehant Banking Co.2514 Johnson Street, West Brooklyn, IL 61378June 11, 1897Full Service Brick and Mortar
    1445671Triumph Branch3906 East 752nd Road, Triumph, IL 61371November 09, 2005Full Service Brick and Mortar

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