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


  • Lena State Bank in Lena, Illinois (IL)
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Lena State Bank - Overview

  • General
  • FDIC Certificate #: 12395
    Status: Active
    Federal Reserve ID: 478533
    Bank Holding Company (Regulatory Top Holder): Foresight Financial Group, Inc. (RSSDID: 1137453, Location: Rockford, IL)
    Date Established: January 01, 1867
    WWW: http://www.lenastatebank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 7883
    Numeric code: 21
    Regulator: FDIC
    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: No
    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: 915 South Logan Street, Lena, IL 61048
    County: Stephenson
    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
    Combined Statistical Area (CSA): Rockford-Freeport-Rochelle, IL (#466)
    Core Based Statistical Area (CBSA): Freeport, IL (#23300)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $82.7 mil
    Equity capital: $9.2 mil
    Deposits held in domestic offices: $72.8 mil
    Return on assets (ROA): 0.87% ($0.7 mil)
    Quarterly return on assets: 0.89% ($0.7 mil)
    Return on Equity (ROE): 8.14% ($0.7 mil)
    Quarterly return on equity: 7.98% ($0.7 mil)
    Net income: $0.7 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.02% ($843.2 mil)
    Quarterly Pretax return on assets: 1.04% ($859.7 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
  • 16Total employees (full-time equivalent)
  • $82,665Total assets
  • $2,541Cash and due from depository institutions
  • $1,256Interest-bearing balances
  • $31,935Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $44,621Net loans & leases
  • $1,032Loan loss allowance
  • $0Trading account assets
  • $486Bank premises and fixed assets
  • $156Other real estate owned
  • $0Goodwill and other intangibles
  • $82,666Life insurance assets
  • $2,926All other assets
  • $73,480Total liabilities and capital
  • $72,785Total liabilities
  • $66,401Total deposits
  • $72,785Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $695Subordinated debt
  • $9,186All other liabilities
  • $9,186Total equity capital
  • $9,186Total bank equity capital
  • $0Perpetual preferred stock
  • $500Common stock
  • $3,670Surplus
  • $5,016Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $228Income earned, not collected on loans
  • $0Earning assets
  • $687Long-term assets (5+ years)
  • $77,812Average Assets, year-to-date
  • $31,669Average Assets, quarterly
  • $81,589Volatile liabilities
  • $81,558Insider loans
  • $52,157FHLB advances
  • $81,068Loans and leases held for sale
  • $1,687Unused loan commitments
  • $1,687Tier 1 (core) risk-based capital
  • $8,351Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $20,545Restructured Loans and leases
  • $391Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,785Total interest income
  • $1,110Total interest expense
  • $2,675Net interest income
  • $590Provision for loan and lease losses
  • $334Total noninterest income
  • $0Fiduciary activities
  • $148Service charges on deposit accounts
  • $0Trading account gains & fees
  • $186Additional noninterest income
  • $1,589Total noninterest expense
  • $820Salaries and employee benefits
  • $174Premises and equipment expense
  • $595Additional noninterest expense
  • $830Pre-tax net operating income
  • $3Securities gains (losses)
  • $121Applicable income taxes
  • $712Income before extraordinary items
  • $0Extraordinary gains - net
  • $712Net income attributable to bank
  • $0Net charge-offs
  • $712Cash dividends
  • $534Sale, conversion, retirement of capital stock, net
  • $464Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.91%Yield on earning assets
  • 1.44%Cost of funding earning assets
  • 3.47%Net interest margin
  • 0.43%Noninterest income to earning assets
  • 2.06%Noninterest expense to earning assets
  • 0.87%Net operating income to assets
  • 0.87%Return on assets (ROA)
  • 1.02%Pretax return on assets
  • 8.14%Return on equity (ROE)
  • 2.84%Retained earnings to average equity (YTD only)
  • 1.18%Net charge-offs to loans
  • 110.49%Credit loss provision to net charge-offs
  • 2.66%Efficiency ratio
  • 52,808Assets per employee
  • 5.17%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 65.17%Loss allowance to loans
  • 2.26%Loss allowance to noncurrent loans
  • 452.63%Noncurrent assets plus other real estate owned to assets
  • 0.46%Noncurrent loans to loans
  • 0.50%Net loans and leases to deposits
  • 61.31%Net loans and leases to core deposits
  • 66.04%Equity capital to assets
  • 11.11%Core capital (leverage) ratio
  • 10.30%Tier 1 risk-based capital ratio
  • 16.01%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $81,589Average earning assets
  • $8,747Average equity
  • $77,154Average loans

List of branches

  • 2 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07883Lena State Bank915 South Logan Street, Lena, IL 61048January 01, 1867Full Service Brick and Mortar
    1454900Stockton Messenger Service601 East North Avenue, Highway 20, Stockton, IL 61085August 30, 2006Limited Service Messenger

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