North County Savings Bank in Red Bud, Illinois (IL)



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North County Savings Bank routing number info

Table of contents:
North County Savings Bank
GeneralFDIC Certificate #: 30656
Status: Active
Federal Reserve ID: 482370
Date Established: January 01, 1887
WWW: http://www.ncsbank.com
Trust Powers Granted: No
Bank Charter Class: Savings banks, state charter, supervised by the FDIC
Offices: 3 (Domestic: 3, Interstate: No)
OTS Docket #: 5696
FDIC's unique #: 43490
Numeric code: 42
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: Mortgage Lending Specialization
Date of Deposit Insurance: April 05, 1954
Last Structure Change Effective Date: December 31, 2009
Last Structure Change Process Date: January 05, 2010
Last Data Update: January 05, 2010
Data Source Date: April 05, 2012
LocationAddress: 411 West Market Street, Red Bud, IL 62278
County: Randolph
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
History of ChangesChange in Location
Financial SummaryTotal assets: $40.2 mil
Equity capital: $3.3 mil
Deposits held in domestic offices: $36.8 mil
Return on assets (ROA): 0.49% ($0.2 mil)
Quarterly return on assets: 0.39% ($0.2 mil)
Return on Equity (ROE): 6.16% ($0.2 mil)
Quarterly return on equity: 4.80% ($0.1 mil)
Net income: $0.2 mil
Quarterly Net income: $0.0 mil
Pretax return on assets: 0.72% ($289.6 mil)
Quarterly Pretax return on assets: 0.72% ($289.6 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)
Total employees (full-time equivalent)12
Total assets$40,227
Cash and due from depository institutions$7,605
Interest-bearing balances$7,141
Securities$6,150
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$24,660
Loan loss allowance $110
Trading account assets$0
Bank premises and fixed assets$1,313
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$499
Life insurance assets$40,227
Total liabilities and capital$36,960
Total liabilities$36,828
Total deposits$34,111
Interest-bearing deposits$36,828
Deposits held in domestic offices$97
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $132
All other liabilities $3,267
Total equity capital$3,267
Total bank equity capital$3,267
Perpetual preferred stock$0
Common stock$0
Surplus$0
Undivided profits $3,267
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $0
Earning assets $0
Long-term assets (5+ years) $138
Average Assets, year-to-date $37,951
Average Assets, quarterly $12,550
Volatile liabilities $39,411
Insider loans $39,819
FHLB advances $20,051
Loans and leases held for sale $40,044
Unused loan commitments $25
Tier 1 (core) risk-based capital $25
Tier 2 risk-based capital $3,252
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $174
Derivatives$888
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $1,576
Total interest expense $409
Net interest income $1,167
Provision for loan and lease losses $22
Total noninterest income $58
Fiduciary activities $0
Service charges on deposit accounts $40
Trading account gains & fees $0
Additional noninterest income $18
Total noninterest expense $920
Salaries and employee benefits $494
Premises and equipment expense $93
Additional noninterest expense $333
Pre-tax net operating income $283
Securities gains (losses) $0
Applicable income taxes $88
Income before extraordinary items $195
Extraordinary gains - net $0
Net income attributable to bank $195
Net charge-offs $0
Cash dividends $195
Sale, conversion, retirement of capital stock, net $22
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.25%
Cost of funding earning assets 1.10%
Net interest margin 3.15%
Noninterest income to earning assets 0.16%
Noninterest expense to earning assets 2.48%
Net operating income to assets 0.49%
Return on assets (ROA) 0.49%
Pretax return on assets 0.72%
Return on equity (ROE) 6.16%
Retained earnings to average equity (YTD only) 6.16%
Net charge-offs to loans 0.09%
Credit loss provision to net charge-offs 100.00%
Efficiency ratio13.86%
Assets per employee$75,102
Cash dividends to net income (YTD only)3.35%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 0.44%
Noncurrent assets plus other real estate owned to assets 0.00%
Noncurrent loans to loans 0.00%
Net loans and leases to deposits0.00%
Net loans and leases to core deposits 66.96%
Equity capital to assets 72.37%
Core capital (leverage) ratio 8.12%
Tier 1 risk-based capital ratio 8.12%
Total risk-based capital ratio 16.22%
Memoranda
Average assets$17
Average earning assets$39,411
Average equity $3,165
Average loans $37,054
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3 Illinois Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
043490North County Savings Bank411 West Market Street, Red Bud, IL 62278January 01, 1887Full Service Brick and Mortar
1281381Liberty St Branch606 Liberty Street, Evansville, IL 62242January 01, 1887Full Service Brick and Mortar
2340823Ruma Branch101 Main Street, Red Bud, IL 62278April 10, 2000Full Service Brick and Mortar
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