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


Holcomb State Bank - Overview

  • General
  • FDIC Certificate #: 9080
    Status: Active
    Federal Reserve ID: 568135
    Bank Holding Company (Regulatory Top Holder): Holcomb Bancorp, Incorporated, Employee Stock Ownership Plan (RSSDID: 2391784, Location: Holcomb, IL)
    Date Established: July 05, 1892
    WWW: http://www.holcombstatebank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 5813
    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: 108 W Main Street, Holcomb, IL 61043
    County: Ogle
    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
    Metropolitan Statistical Area (MSA): Rockford, IL (#6880)
    Combined Statistical Area (CSA): Rockford-Freeport-Rochelle, IL (#466)
    Core Based Statistical Area (CBSA): Rochelle, IL (#40300)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Location
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $163.9 mil
    Equity capital: $14.4 mil
    Deposits held in domestic offices: $148.8 mil
    Return on assets (ROA): 0.97% ($1.6 mil)
    Quarterly return on assets: 0.43% ($0.7 mil)
    Return on Equity (ROE): 10.86% ($1.5 mil)
    Quarterly return on equity: 4.81% ($0.7 mil)
    Net income: $1.5 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.99% ($1,622.6 mil)
    Quarterly Pretax return on assets: 0.49% ($803.1 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
  • 46Total employees (full-time equivalent)
  • $163,894Total assets
  • $10,466Cash and due from depository institutions
  • $0Interest-bearing balances
  • $35,061Securities
  • $5,970Federal funds sold & reverse repurchase agreements
  • $103,842Net loans & leases
  • $1,840Loan loss allowance
  • $0Trading account assets
  • $4,445Bank premises and fixed assets
  • $1,787Other real estate owned
  • $305Goodwill and other intangibles
  • $163,894Life insurance assets
  • $2,018All other assets
  • $149,497Total liabilities and capital
  • $148,832Total liabilities
  • $127,035Total deposits
  • $148,832Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $665Subordinated debt
  • $14,397All other liabilities
  • $14,397Total equity capital
  • $14,397Total bank equity capital
  • $0Perpetual preferred stock
  • $225Common stock
  • $2,775Surplus
  • $11,397Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $776Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,136Income earned, not collected on loans
  • $0Earning assets
  • $1,506Long-term assets (5+ years)
  • $144,873Average Assets, year-to-date
  • $32,743Average Assets, quarterly
  • $154,909Volatile liabilities
  • $160,291Insider loans
  • $115,704FHLB advances
  • $159,391Loans and leases held for sale
  • $61Unused loan commitments
  • $61Tier 1 (core) risk-based capital
  • $13,440Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $8,874Restructured Loans and leases
  • $2,990Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,333Total interest income
  • $1,484Total interest expense
  • $5,849Net interest income
  • $792Provision for loan and lease losses
  • $596Total noninterest income
  • $0Fiduciary activities
  • $244Service charges on deposit accounts
  • $0Trading account gains & fees
  • $352Additional noninterest income
  • $4,117Total noninterest expense
  • $2,407Salaries and employee benefits
  • $804Premises and equipment expense
  • $906Additional noninterest expense
  • $1,536Pre-tax net operating income
  • $0Securities gains (losses)
  • $30Applicable income taxes
  • $1,506Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,506Net income attributable to bank
  • $0Net charge-offs
  • $1,506Cash dividends
  • $123Sale, conversion, retirement of capital stock, net
  • $665Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.29%Yield on earning assets
  • 1.07%Cost of funding earning assets
  • 4.22%Net interest margin
  • 0.43%Noninterest income to earning assets
  • 2.97%Noninterest expense to earning assets
  • 0.97%Net operating income to assets
  • 0.97%Return on assets (ROA)
  • 0.99%Pretax return on assets
  • 10.86%Return on equity (ROE)
  • 6.07%Retained earnings to average equity (YTD only)
  • 0.12%Net charge-offs to loans
  • 643.90%Credit loss provision to net charge-offs
  • 18.93%Efficiency ratio
  • 63,879Assets per employee
  • 3.56%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 44.16%Loss allowance to loans
  • 1.74%Loss allowance to noncurrent loans
  • 161.97%Noncurrent assets plus other real estate owned to assets
  • 1.78%Noncurrent loans to loans
  • 1.07%Net loans and leases to deposits
  • 69.77%Net loans and leases to core deposits
  • 78.41%Equity capital to assets
  • 8.78%Core capital (leverage) ratio
  • 8.43%Tier 1 risk-based capital ratio
  • 11.62%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $154,909Average earning assets
  • $13,862Average equity
  • $138,506Average loans

List of branches

  • 4 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    05813Holcomb State Bank108 W Main Street, Holcomb, IL 61043July 05, 1892Full Service Brick and Mortar
    1219391Rochelle Facility233 East Route 38, Rochelle, IL 61068January 09, 1984Full Service Brick and Mortar
    2219392New Milford Branch6771 Eleventh Street, New Milford, IL 61109July 01, 1986Full Service Brick and Mortar
    3438911Creston Branch400 East Route 38, Creston, IL 60113March 10, 2005Full Service Brick and Mortar

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