Henry State Bank in Henry, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

Henry State Bank - Overview

  • General
  • FDIC Certificate #: 8494
    Status: Active
    Federal Reserve ID: 941233
    Bank Holding Company (Regulatory Top Holder): Henry State Bancorp, Inc. (RSSDID: 3021015, Location: Henry, IL)
    Date Established: January 01, 1903
    WWW: http://www.henrystatebank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 5407
    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: 700 Second Street, Henry, IL 61537
    County: Marshall
    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): Peoria-Canton, IL (#426)
    Core Based Statistical Area (CBSA): Peoria, IL (#37900)
    CBSA Metro Statistical Area: Peoria, IL (#37900)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $109.7 mil
    Equity capital: $13.0 mil
    Deposits held in domestic offices: $89.3 mil
    Return on assets (ROA): 0.97% ($1.1 mil)
    Quarterly return on assets: -0.49% (-$0.5 mil)
    Return on Equity (ROE): 8.08% ($1.1 mil)
    Quarterly return on equity: -4.00% (-$0.5 mil)
    Net income: $1.0 mil
    Quarterly Net income: -$0.1 mil
    Pretax return on assets: 0.98% ($1,074.9 mil)
    Quarterly Pretax return on assets: -0.49% (-$537.5 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
  • 18Total employees (full-time equivalent)
  • $109,687Total assets
  • $4,703Cash and due from depository institutions
  • $2,401Interest-bearing balances
  • $36,034Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $64,206Net loans & leases
  • $1,870Loan loss allowance
  • $0Trading account assets
  • $426Bank premises and fixed assets
  • $159Other real estate owned
  • $0Goodwill and other intangibles
  • $109,687Life insurance assets
  • $4,159All other assets
  • $96,645Total liabilities and capital
  • $89,262Total liabilities
  • $77,276Total deposits
  • $89,262Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 2885.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $3,800Trading liabilities
  • $0Other borrowed funds
  • $698Subordinated debt
  • $13,042All other liabilities
  • $13,042Total equity capital
  • $13,042Total bank equity capital
  • $0Perpetual preferred stock
  • $300Common stock
  • $3,400Surplus
  • $9,342Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $212Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $430Income earned, not collected on loans
  • $0Earning assets
  • $1,133Long-term assets (5+ years)
  • $102,641Average Assets, year-to-date
  • $42,830Average Assets, quarterly
  • $106,554Volatile liabilities
  • $108,688Insider loans
  • $72,834FHLB advances
  • $107,008Loans and leases held for sale
  • $1,678Unused loan commitments
  • $1,678Tier 1 (core) risk-based capital
  • $12,601Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $11,508Restructured Loans and leases
  • $2,773Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,731Total interest income
  • $1,259Total interest expense
  • $3,472Net interest income
  • $578Provision for loan and lease losses
  • $264Total noninterest income
  • $0Fiduciary activities
  • $72Service charges on deposit accounts
  • $0Trading account gains & fees
  • $192Additional noninterest income
  • $2,134Total noninterest expense
  • $1,202Salaries and employee benefits
  • $208Premises and equipment expense
  • $724Additional noninterest expense
  • $1,024Pre-tax net operating income
  • $24Securities gains (losses)
  • $11Applicable income taxes
  • $1,037Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,037Net income attributable to bank
  • $0Net charge-offs
  • $1,037Cash dividends
  • $3Sale, conversion, retirement of capital stock, net
  • $424Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.73%Yield on earning assets
  • 1.26%Cost of funding earning assets
  • 3.47%Net interest margin
  • 0.26%Noninterest income to earning assets
  • 2.14%Noninterest expense to earning assets
  • 0.95%Net operating income to assets
  • 0.97%Return on assets (ROA)
  • 0.98%Pretax return on assets
  • 8.08%Return on equity (ROE)
  • 4.77%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 19266.67%Credit loss provision to net charge-offs
  • 534.00%Efficiency ratio
  • 57,120Assets per employee
  • 6.09%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 40.89%Loss allowance to loans
  • 2.83%Loss allowance to noncurrent loans
  • 434.88%Noncurrent assets plus other real estate owned to assets
  • 0.54%Noncurrent loans to loans
  • 0.65%Net loans and leases to deposits
  • 71.93%Net loans and leases to core deposits
  • 77.28%Equity capital to assets
  • 11.89%Core capital (leverage) ratio
  • 11.78%Tier 1 risk-based capital ratio
  • 17.30%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $106,554Average earning assets
  • $12,841Average equity
  • $99,916Average loans

List of branches

  • 1 Illinois Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    05407Henry State Bank700 Second Street, Henry, IL 61537January 01, 1903Full Service Brick and Mortar

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