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

Iroquois Farmers State Bank - Overview

  • General
  • FDIC Certificate #: 11746
    Status: Active
    Federal Reserve ID: 1007930
    Bank Holding Company (Regulatory Top Holder): S & H Holdings, Inc. (RSSDID: 1205062, Location: Iroquois, IL)
    Date Established: January 01, 1919
    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 #: 7511
    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: April 23, 2010
    Last Structure Change Process Date: May 11, 2010
    Last Data Update: May 11, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 111 W Lincoln St, Iroquois, IL 60945
    County: Iroquois
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Champaign
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
  • History of Changes
  • Participated in Absorption/Consolidation/Merger
    Change in Location
  • Financial Summary
  • Total assets: $84.9 mil
    Equity capital: $8.4 mil
    Deposits held in domestic offices: $76.2 mil
    Return on assets (ROA): 1.07% ($0.9 mil)
    Quarterly return on assets: 1.12% ($1.0 mil)
    Return on Equity (ROE): 10.47% ($0.8 mil)
    Quarterly return on equity: 11.14% ($0.9 mil)
    Net income: $0.9 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.08% ($917.1 mil)
    Quarterly Pretax return on assets: 1.13% ($959.6 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)
  • $84,917Total assets
  • $7,718Cash and due from depository institutions
  • $7,027Interest-bearing balances
  • $27,444Securities
  • $255Federal funds sold & reverse repurchase agreements
  • $45,154Net loans & leases
  • $324Loan loss allowance
  • $0Trading account assets
  • $356Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $84,917Life insurance assets
  • $3,990All other assets
  • $76,516Total liabilities and capital
  • $76,217Total liabilities
  • $60,483Total deposits
  • $76,217Interest-bearing deposits
  • $86Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $299Subordinated debt
  • $8,401All other liabilities
  • $8,401Total equity capital
  • $8,401Total bank equity capital
  • $0Perpetual preferred stock
  • $80Common stock
  • $4,200Surplus
  • $4,121Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,168Income earned, not collected on loans
  • $0Earning assets
  • $837Long-term assets (5+ years)
  • $79,880Average Assets, year-to-date
  • $1,305Average Assets, quarterly
  • $82,197Volatile liabilities
  • $83,894Insider loans
  • $53,277FHLB advances
  • $85,147Loans and leases held for sale
  • $2,967Unused loan commitments
  • $2,967Tier 1 (core) risk-based capital
  • $8,226Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $10,072Restructured Loans and leases
  • $2,568Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,915Total interest income
  • $366Total interest expense
  • $2,549Net interest income
  • $24Provision for loan and lease losses
  • $298Total noninterest income
  • $0Fiduciary activities
  • $161Service charges on deposit accounts
  • $0Trading account gains & fees
  • $137Additional noninterest income
  • $1,948Total noninterest expense
  • $1,268Salaries and employee benefits
  • $161Premises and equipment expense
  • $519Additional noninterest expense
  • $875Pre-tax net operating income
  • $9Securities gains (losses)
  • $8Applicable income taxes
  • $876Income before extraordinary items
  • $0Extraordinary gains - net
  • $876Net income attributable to bank
  • $0Net charge-offs
  • $876Cash dividends
  • $25Sale, conversion, retirement of capital stock, net
  • $885Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.78%Yield on earning assets
  • 0.47%Cost of funding earning assets
  • 3.31%Net interest margin
  • 0.39%Noninterest income to earning assets
  • 2.53%Noninterest expense to earning assets
  • 1.05%Net operating income to assets
  • 1.07%Return on assets (ROA)
  • 1.08%Pretax return on assets
  • 10.47%Return on equity (ROE)
  • -0.11%Retained earnings to average equity (YTD only)
  • 0.06%Net charge-offs to loans
  • 96.00%Credit loss provision to net charge-offs
  • 35.96%Efficiency ratio
  • 68,423Assets per employee
  • 4.04%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 101.03%Loss allowance to loans
  • 0.71%Loss allowance to noncurrent loans
  • 27.74%Noncurrent assets plus other real estate owned to assets
  • 1.38%Noncurrent loans to loans
  • 2.57%Net loans and leases to deposits
  • 59.24%Net loans and leases to core deposits
  • 64.79%Equity capital to assets
  • 9.89%Core capital (leverage) ratio
  • 9.66%Tier 1 risk-based capital ratio
  • 15.44%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $82,197Average earning assets
  • $8,365Average equity
  • $77,096Average loans

List of branches

  • 4 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07511Iroquois Farmers State Bank111 W Lincoln St, Iroquois, IL 60945January 01, 1919Full Service Brick and Mortar
    1225500Beaverville Facility202 St. Charles Street, Beaverville, IL 60912Febuary 09, 1983Full Service Brick and Mortar
    215241Ashkum Branch101 S Bank Street, Ashkum, IL 60911April 17, 1975Full Service Brick and Mortar
    3253840Gilman Facility1380 South Crescent Street, Gilman, IL 60938September 16, 1985Full Service Brick and Mortar

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