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

  • Marseilles Bank in Marseilles, Illinois (IL)
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Marseilles Bank - Overview

  • General
  • FDIC Certificate #: 16318
    Status: Active
    Federal Reserve ID: 104542
    Bank Holding Company (Regulatory Top Holder): Marseilles Bancorporation, Inc. (RSSDID: 1491780, Location: Marseilles, IL)
    Date Established: September 24, 1945
    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 #: 10505
    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: Yes
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: September 24, 1945
    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: 101 East Bluff Street, Marseilles, IL 61341
    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: $44.5 mil
    Equity capital: $4.6 mil
    Deposits held in domestic offices: $39.7 mil
    Return on assets (ROA): 1.69% ($0.8 mil)
    Quarterly return on assets: 1.65% ($0.7 mil)
    Return on Equity (ROE): 18.40% ($0.9 mil)
    Quarterly return on equity: 16.38% ($0.8 mil)
    Net income: $0.7 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.71% ($761.8 mil)
    Quarterly Pretax return on assets: 1.67% ($744.0 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
  • 9Total employees (full-time equivalent)
  • $44,550Total assets
  • $2,397Cash and due from depository institutions
  • $0Interest-bearing balances
  • $21,410Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $19,498Net loans & leases
  • $157Loan loss allowance
  • $0Trading account assets
  • $147Bank premises and fixed assets
  • $54Other real estate owned
  • $0Goodwill and other intangibles
  • $44,550Life insurance assets
  • $1,044All other assets
  • $39,903Total liabilities and capital
  • $39,721Total liabilities
  • $31,347Total deposits
  • $39,721Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $182Subordinated debt
  • $4,647All other liabilities
  • $4,647Total equity capital
  • $4,647Total bank equity capital
  • $0Perpetual preferred stock
  • $60Common stock
  • $190Surplus
  • $4,397Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $219Income earned, not collected on loans
  • $0Earning assets
  • $345Long-term assets (5+ years)
  • $40,908Average Assets, year-to-date
  • $19,354Average Assets, quarterly
  • $42,789Volatile liabilities
  • $44,852Insider loans
  • $18,813FHLB advances
  • $43,165Loans and leases held for sale
  • $611Unused loan commitments
  • $611Tier 1 (core) risk-based capital
  • $3,668Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $367Restructured Loans and leases
  • $35Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,106Total interest income
  • $369Total interest expense
  • $1,737Net interest income
  • $68Provision for loan and lease losses
  • $168Total noninterest income
  • $0Fiduciary activities
  • $139Service charges on deposit accounts
  • $0Trading account gains & fees
  • $29Additional noninterest income
  • $1,107Total noninterest expense
  • $576Salaries and employee benefits
  • $125Premises and equipment expense
  • $406Additional noninterest expense
  • $730Pre-tax net operating income
  • $0Securities gains (losses)
  • $8Applicable income taxes
  • $722Income before extraordinary items
  • $0Extraordinary gains - net
  • $722Net income attributable to bank
  • $0Net charge-offs
  • $722Cash dividends
  • $63Sale, conversion, retirement of capital stock, net
  • $302Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.47%Yield on earning assets
  • 0.96%Cost of funding earning assets
  • 4.51%Net interest margin
  • 0.44%Noninterest income to earning assets
  • 2.88%Noninterest expense to earning assets
  • 1.69%Net operating income to assets
  • 1.69%Return on assets (ROA)
  • 1.71%Pretax return on assets
  • 18.40%Return on equity (ROE)
  • 10.70%Retained earnings to average equity (YTD only)
  • 0.32%Net charge-offs to loans
  • 107.94%Credit loss provision to net charge-offs
  • 12.67%Efficiency ratio
  • 58,110Assets per employee
  • 4.95%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 41.83%Loss allowance to loans
  • 0.80%Loss allowance to noncurrent loans
  • 71.69%Noncurrent assets plus other real estate owned to assets
  • 0.61%Noncurrent loans to loans
  • 1.11%Net loans and leases to deposits
  • 49.09%Net loans and leases to core deposits
  • 53.23%Equity capital to assets
  • 10.43%Core capital (leverage) ratio
  • 8.50%Tier 1 risk-based capital ratio
  • 19.50%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $42,789Average earning assets
  • $3,924Average equity
  • $38,481Average loans

List of branches

  • 2 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    010505Marseilles Bank101 East Bluff Street, Marseilles, IL 61341September 24, 1945Full Service Brick and Mortar
    1237905Drive-In Facility508 Roath Street, Marseilles, IL 61341November 03, 1972Limited Service Facility

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