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

Illini State Bank - Overview

  • General
  • FDIC Certificate #: 10788
    Status: Active
    Federal Reserve ID: 180845
    Bank Holding Company (Regulatory Top Holder): Tonica Bancorp, Inc. (RSSDID: 1206724, Location: Tonica, IL)
    Date Established: Febuary 14, 1914
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 14248
    FDIC's unique #: 6898
    Numeric code: 13
    Regulator: FED
    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: 301 South Columbia Avenue, Oglesby, IL 61348
    County: La Salle
    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): Ottawa-Streator, IL (#36860)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $86.7 mil
    Equity capital: $11.4 mil
    Deposits held in domestic offices: $58.6 mil
    Return on assets (ROA): 1.41% ($1.2 mil)
    Quarterly return on assets: 1.05% ($0.9 mil)
    Return on Equity (ROE): 10.96% ($1.2 mil)
    Quarterly return on equity: 7.93% ($0.9 mil)
    Net income: $1.2 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.42% ($1,231.4 mil)
    Quarterly Pretax return on assets: 1.05% ($910.5 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
  • 21Total employees (full-time equivalent)
  • $86,718Total assets
  • $4,794Cash and due from depository institutions
  • $80Interest-bearing balances
  • $40,108Securities
  • $200Federal funds sold & reverse repurchase agreements
  • $38,674Net loans & leases
  • $460Loan loss allowance
  • $0Trading account assets
  • $751Bank premises and fixed assets
  • $67Other real estate owned
  • $22Goodwill and other intangibles
  • $86,718Life insurance assets
  • $2,102All other assets
  • $75,319Total liabilities and capital
  • $58,598Total liabilities
  • $43,058Total deposits
  • $58,598Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 6638.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $10,000Trading liabilities
  • $0Other borrowed funds
  • $83Subordinated debt
  • $11,399All other liabilities
  • $11,399Total equity capital
  • $11,399Total bank equity capital
  • $0Perpetual preferred stock
  • $300Common stock
  • $1,450Surplus
  • $9,649Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $593Income earned, not collected on loans
  • $0Earning assets
  • $642Long-term assets (5+ years)
  • $79,062Average Assets, year-to-date
  • $37,237Average Assets, quarterly
  • $85,398Volatile liabilities
  • $86,759Insider loans
  • $42,243FHLB advances
  • $86,421Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $9,826Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $6,085Restructured Loans and leases
  • $510Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,605Total interest income
  • $463Total interest expense
  • $3,142Net interest income
  • $89Provision for loan and lease losses
  • $197Total noninterest income
  • $0Fiduciary activities
  • $126Service charges on deposit accounts
  • $0Trading account gains & fees
  • $71Additional noninterest income
  • $2,062Total noninterest expense
  • $1,152Salaries and employee benefits
  • $227Premises and equipment expense
  • $683Additional noninterest expense
  • $1,188Pre-tax net operating income
  • $25Securities gains (losses)
  • $10Applicable income taxes
  • $1,203Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,203Net income attributable to bank
  • $0Net charge-offs
  • $1,203Cash dividends
  • $4Sale, conversion, retirement of capital stock, net
  • $900Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.52%Yield on earning assets
  • 0.58%Cost of funding earning assets
  • 3.94%Net interest margin
  • 0.25%Noninterest income to earning assets
  • 2.59%Noninterest expense to earning assets
  • 1.38%Net operating income to assets
  • 1.41%Return on assets (ROA)
  • 1.42%Pretax return on assets
  • 10.96%Return on equity (ROE)
  • 2.76%Retained earnings to average equity (YTD only)
  • 0.01%Net charge-offs to loans
  • 2225.00%Credit loss provision to net charge-offs
  • 319.25%Efficiency ratio
  • 61,755Assets per employee
  • 4.13%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 74.81%Loss allowance to loans
  • 1.18%Loss allowance to noncurrent loans
  • 77.57%Noncurrent assets plus other real estate owned to assets
  • 0.76%Noncurrent loans to loans
  • 1.52%Net loans and leases to deposits
  • 66.00%Net loans and leases to core deposits
  • 67.13%Equity capital to assets
  • 13.14%Core capital (leverage) ratio
  • 11.37%Tier 1 risk-based capital ratio
  • 23.26%Total risk-based capital ratio
  • Memoranda
  • $24Average assets
  • $85,398Average earning assets
  • $10,971Average equity
  • $79,671Average loans

List of branches

  • 3 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06898Illini State Bank301 South Columbia Avenue, Oglesby, IL 61348Febuary 14, 1914Full Service Brick and Mortar
    17515Lostant Branch206 South Main Street, Lostant, IL 61334January 01, 1895Full Service Brick and Mortar
    2223004Tonica Branch230 Lasalle Street, Tonica, IL 61370July 30, 1992Full Service Brick and Mortar

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