Lincoln State Bank, S.B. in Rochelle, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

Lincoln State Bank, S.B. - Overview

  • General
  • FDIC Certificate #: 34856
    Status: Active
    Federal Reserve ID: 2797153
    Bank Holding Company (Regulatory Top Holder): Lincoln Bancorp, Inc. (RSSDID: 3054965, Location: Rochelle, IL)
    Date Established: April 14, 1999
    Trust Powers Granted: No
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 61819
    Numeric code: 41
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: 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: April 14, 1999
    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: 304 East Highway 38, Rochelle, IL 61068
    County: Ogle
    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
    Metropolitan Statistical Area (MSA): Rockford, IL (#6880)
    Combined Statistical Area (CSA): Rockford-Freeport-Rochelle, IL (#466)
    Core Based Statistical Area (CBSA): Rochelle, IL (#40300)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $46.8 mil
    Equity capital: $4.2 mil
    Deposits held in domestic offices: $42.3 mil
    Return on assets (ROA): 0.92% ($0.4 mil)
    Quarterly return on assets: 0.72% ($0.3 mil)
    Return on Equity (ROE): 10.26% ($0.4 mil)
    Quarterly return on equity: 7.75% ($0.3 mil)
    Net income: $0.4 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.80% ($374.0 mil)
    Quarterly Pretax return on assets: 0.72% ($336.6 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
  • 18Total employees (full-time equivalent)
  • $46,755Total assets
  • $9,274Cash and due from depository institutions
  • $8,197Interest-bearing balances
  • $3,590Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $30,295Net loans & leases
  • $475Loan loss allowance
  • $0Trading account assets
  • $1,265Bank premises and fixed assets
  • $386Other real estate owned
  • $582Goodwill and other intangibles
  • $46,755Life insurance assets
  • $1,363All other assets
  • $42,551Total liabilities and capital
  • $42,343Total liabilities
  • $35,566Total deposits
  • $42,343Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $23Trading liabilities
  • $0Other borrowed funds
  • $185Subordinated debt
  • $4,204All other liabilities
  • $4,204Total equity capital
  • $4,204Total bank equity capital
  • $0Perpetual preferred stock
  • $317Common stock
  • $4,103Surplus
  • $-216Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $575Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,022Income earned, not collected on loans
  • $0Earning assets
  • $181Long-term assets (5+ years)
  • $42,082Average Assets, year-to-date
  • $1,736Average Assets, quarterly
  • $46,595Volatile liabilities
  • $46,418Insider loans
  • $32,745FHLB advances
  • $46,879Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $3,902Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $5,833Restructured Loans and leases
  • $327Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,132Total interest income
  • $443Total interest expense
  • $1,689Net interest income
  • $137Provision for loan and lease losses
  • $725Total noninterest income
  • $0Fiduciary activities
  • $259Service charges on deposit accounts
  • $0Trading account gains & fees
  • $466Additional noninterest income
  • $1,906Total noninterest expense
  • $1,054Salaries and employee benefits
  • $152Premises and equipment expense
  • $700Additional noninterest expense
  • $371Pre-tax net operating income
  • $0Securities gains (losses)
  • -$59Applicable income taxes
  • $430Income before extraordinary items
  • $0Extraordinary gains - net
  • $430Net income attributable to bank
  • $0Net charge-offs
  • $430Cash dividends
  • $102Sale, conversion, retirement of capital stock, net
  • $250Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.03%Yield on earning assets
  • 1.05%Cost of funding earning assets
  • 3.99%Net interest margin
  • 1.71%Noninterest income to earning assets
  • 4.50%Noninterest expense to earning assets
  • 0.92%Net operating income to assets
  • 0.92%Return on assets (ROA)
  • 0.80%Pretax return on assets
  • 10.26%Return on equity (ROE)
  • 4.30%Retained earnings to average equity (YTD only)
  • 0.32%Net charge-offs to loans
  • 134.31%Credit loss provision to net charge-offs
  • 4.98%Efficiency ratio
  • 78,956Assets per employee
  • 2.60%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 58.14%Loss allowance to loans
  • 1.54%Loss allowance to noncurrent loans
  • 46.48%Noncurrent assets plus other real estate owned to assets
  • 3.01%Noncurrent loans to loans
  • 3.32%Net loans and leases to deposits
  • 71.55%Net loans and leases to core deposits
  • 75.05%Equity capital to assets
  • 8.99%Core capital (leverage) ratio
  • 8.32%Tier 1 risk-based capital ratio
  • 11.92%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $46,595Average earning assets
  • $4,190Average equity
  • $42,373Average loans

List of branches

  • 1 Illinois Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    061819Lincoln State Bank, S.B.304 East Highway 38, Rochelle, IL 61068April 14, 1999Full Service Brick and Mortar

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