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

La Salle State Bank - Overview

  • General
  • FDIC Certificate #: 12410
    Status: Active
    Federal Reserve ID: 956134
    Bank Holding Company (Regulatory Top Holder): Lsbancorp, Inc. (RSSDID: 1926228, Location: La Salle, IL)
    Date Established: August 21, 1894
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 7895
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Commercial Lending 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: 654 First Street, La Salle, IL 61301
    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: $109.8 mil
    Equity capital: $10.5 mil
    Deposits held in domestic offices: $83.6 mil
    Return on assets (ROA): 0.38% ($0.4 mil)
    Quarterly return on assets: 0.27% ($0.3 mil)
    Return on Equity (ROE): 3.97% ($0.4 mil)
    Quarterly return on equity: 2.87% ($0.3 mil)
    Net income: $0.4 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.38% ($417.1 mil)
    Quarterly Pretax return on assets: 0.27% ($296.4 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
  • 43Total employees (full-time equivalent)
  • $109,768Total assets
  • $8,024Cash and due from depository institutions
  • $6,531Interest-bearing balances
  • $43,849Securities
  • $144Federal funds sold & reverse repurchase agreements
  • $52,798Net loans & leases
  • $804Loan loss allowance
  • $0Trading account assets
  • $2,027Bank premises and fixed assets
  • $65Other real estate owned
  • $1,112Goodwill and other intangibles
  • $109,767Life insurance assets
  • $1,749All other assets
  • $99,245Total liabilities and capital
  • $83,609Total liabilities
  • $73,263Total deposits
  • $83,609Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 12149.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $3,000Trading liabilities
  • $0Other borrowed funds
  • $487Subordinated debt
  • $10,522All other liabilities
  • $10,522Total equity capital
  • $10,522Total bank equity capital
  • $0Perpetual preferred stock
  • $600Common stock
  • $3,338Surplus
  • $6,584Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,091Income earned, not collected on loans
  • $0Earning assets
  • $460Long-term assets (5+ years)
  • $103,322Average Assets, year-to-date
  • $34,788Average Assets, quarterly
  • $110,175Volatile liabilities
  • $111,582Insider loans
  • $58,909FHLB advances
  • $111,945Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $8,951Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $4,889Restructured Loans and leases
  • $440Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,409Total interest income
  • $863Total interest expense
  • $3,546Net interest income
  • $400Provision for loan and lease losses
  • $1,408Total noninterest income
  • $106Fiduciary activities
  • $435Service charges on deposit accounts
  • $0Trading account gains & fees
  • $867Additional noninterest income
  • $4,134Total noninterest expense
  • $2,359Salaries and employee benefits
  • $351Premises and equipment expense
  • $1,424Additional noninterest expense
  • $420Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $420Income before extraordinary items
  • $0Extraordinary gains - net
  • $420Net income attributable to bank
  • $0Net charge-offs
  • $420Cash dividends
  • $119Sale, conversion, retirement of capital stock, net
  • $552Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.26%Yield on earning assets
  • 0.83%Cost of funding earning assets
  • 3.42%Net interest margin
  • 1.36%Noninterest income to earning assets
  • 3.99%Noninterest expense to earning assets
  • 0.38%Net operating income to assets
  • 0.38%Return on assets (ROA)
  • 0.38%Pretax return on assets
  • 3.97%Return on equity (ROE)
  • -1.25%Retained earnings to average equity (YTD only)
  • 0.21%Net charge-offs to loans
  • 336.13%Credit loss provision to net charge-offs
  • 6.89%Efficiency ratio
  • 83,448Assets per employee
  • 2.55%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 131.43%Loss allowance to loans
  • 1.50%Loss allowance to noncurrent loans
  • 73.69%Noncurrent assets plus other real estate owned to assets
  • 1.05%Noncurrent loans to loans
  • 2.04%Net loans and leases to deposits
  • 63.15%Net loans and leases to core deposits
  • 64.24%Equity capital to assets
  • 9.59%Core capital (leverage) ratio
  • 8.00%Tier 1 risk-based capital ratio
  • 15.19%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $110,175Average earning assets
  • $10,580Average equity
  • $103,588Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $38,438Managed Assets
  • 1Number of Accounts
  • $14,352Personal trust and agency accounts
  • $11,100Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $3,252Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 60Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $24,086Other retirement accounts
  • $5,154Corporate trust and agency accounts
  • $15,608Other fiduciary accounts
  • $3,324Fiduciary accounts held in foreign offices

List of branches

  • 3 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07895La Salle State Bank654 First Street, La Salle, IL 61301August 21, 1894Full Service Brick and Mortar
    111999100 Mill Street Branch100 Mill Street, Utica, IL 61373September 04, 1959Full Service Brick and Mortar
    2363984Peru Branch901 Wenzel Road, Peru, IL 61354June 10, 2002Full Service Brick and Mortar

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