Legence Bank in Eldorado, Illinois (IL), IN
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Legence Bank in Eldorado, Illinois (IL), IN
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Legence Bank - Overview

  • General
  • FDIC Certificate #: 10886
    Status: Active
    Federal Reserve ID: 635840
    Bank Holding Company (Regulatory Top Holder): First Eldorado Bancshares, Inc. (RSSDID: 1491481, Location: Eldorado, IL)
    Date Established: January 01, 1906
    WWW: http://www.legencebank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 7 (Domestic: 7, Interstate: Yes)
    OTS Docket #: 10062
    FDIC's unique #: 6967
    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 18, 2011
    Last Structure Change Process Date: August 12, 2011
    Last Data Update: August 12, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 946 Fourth Street, Eldorado, IL 62930
    County: Saline
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Mount Vernon
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Core Based Statistical Area (CBSA): Harrisburg, IL (#25380)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Office Purchased
  • Financial Summary
  • Total assets: $227.3 mil
    Equity capital: $28.2 mil
    Deposits held in domestic offices: $189.7 mil
    Return on assets (ROA): 1.12% ($2.5 mil)
    Quarterly return on assets: 1.01% ($2.3 mil)
    Return on Equity (ROE): 9.89% ($2.8 mil)
    Quarterly return on equity: 8.04% ($2.3 mil)
    Net income: $2.4 mil
    Quarterly Net income: $0.6 mil
    Pretax return on assets: 1.12% ($2,546.1 mil)
    Quarterly Pretax return on assets: 1.02% ($2,318.8 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
  • 79Total employees (full-time equivalent)
  • $227,334Total assets
  • $9,510Cash and due from depository institutions
  • $662Interest-bearing balances
  • $80,302Securities
  • $2,440Federal funds sold & reverse repurchase agreements
  • $115,746Net loans & leases
  • $1,366Loan loss allowance
  • $0Trading account assets
  • $4,969Bank premises and fixed assets
  • $1,659Other real estate owned
  • $2,661Goodwill and other intangibles
  • $227,334Life insurance assets
  • $10,047All other assets
  • $199,130Total liabilities and capital
  • $189,655Total liabilities
  • $166,024Total deposits
  • $189,655Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 2795.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $5,000Trading liabilities
  • $0Other borrowed funds
  • $1,680Subordinated debt
  • $28,204All other liabilities
  • $28,204Total equity capital
  • $28,204Total bank equity capital
  • $0Perpetual preferred stock
  • $1,000Common stock
  • $14,348Surplus
  • $12,856Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $1,852Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $379Income earned, not collected on loans
  • $156Earning assets
  • $2,637Long-term assets (5+ years)
  • $199,150Average Assets, year-to-date
  • $98,869Average Assets, quarterly
  • $215,101Volatile liabilities
  • $225,246Insider loans
  • $126,350FHLB advances
  • $221,050Loans and leases held for sale
  • $3,268Unused loan commitments
  • $3,268Tier 1 (core) risk-based capital
  • $20,091Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $17,359Restructured Loans and leases
  • $537Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $12,148Total interest income
  • $1,657Total interest expense
  • $10,491Net interest income
  • $2,650Provision for loan and lease losses
  • $3,894Total noninterest income
  • $0Fiduciary activities
  • $712Service charges on deposit accounts
  • $0Trading account gains & fees
  • $3,182Additional noninterest income
  • $9,326Total noninterest expense
  • $4,427Salaries and employee benefits
  • $722Premises and equipment expense
  • $4,177Additional noninterest expense
  • $2,409Pre-tax net operating income
  • $0Securities gains (losses)
  • -$7Applicable income taxes
  • $2,416Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,416Net income attributable to bank
  • $0Net charge-offs
  • $2,416Cash dividends
  • $2,533Sale, conversion, retirement of capital stock, net
  • $1,400Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.42%Yield on earning assets
  • 0.88%Cost of funding earning assets
  • 5.54%Net interest margin
  • 2.06%Noninterest income to earning assets
  • 4.93%Noninterest expense to earning assets
  • 1.12%Net operating income to assets
  • 1.12%Return on assets (ROA)
  • 1.12%Pretax return on assets
  • 9.89%Return on equity (ROE)
  • 4.16%Retained earnings to average equity (YTD only)
  • 2.14%Net charge-offs to loans
  • 104.62%Credit loss provision to net charge-offs
  • 2.00%Efficiency ratio
  • 64,171Assets per employee
  • 2.88%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 57.95%Loss allowance to loans
  • 1.17%Loss allowance to noncurrent loans
  • 360.42%Noncurrent assets plus other real estate owned to assets
  • 0.90%Noncurrent loans to loans
  • 0.32%Net loans and leases to deposits
  • 61.03%Net loans and leases to core deposits
  • 64.10%Equity capital to assets
  • 12.41%Core capital (leverage) ratio
  • 9.09%Tier 1 risk-based capital ratio
  • 15.90%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $215,101Average earning assets
  • $24,437Average equity
  • $189,274Average loans

List of branches

  • 5 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06967Legence Bank946 Fourth Street, Eldorado, IL 62930January 01, 1906Full Service Brick and Mortar
    1223062Equality FacilityLane And Calhoun Streets, Equality, IL 62934January 02, 1982Full Service Brick and Mortar
    2223063Highway FacilityU.S. Highway 45 & State Highway 142, Eldorado, IL 62930April 29, 1985Full Service Brick and Mortar
    614268Galatia BranchMain Street And State Highway 34, Galatia, IL 62935May 01, 1972Full Service Brick and Mortar
    7251522Harrisburg Branch502 North Commercial, Harrisburg, IL 62946October 25, 1995Full Service Brick and Mortar
  • 1 Indiana Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    5473870Virginia Street Branch7325 East Virginia Street, Evansville, IN 47715April 07, 2008Full Service Brick and Mortar

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