North County Savings Bank in Red Bud, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches


North County Savings Bank - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Change in Location
  • Financial Summary
  • Total 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
  • 12Total employees (full-time equivalent)
  • $40,227Total assets
  • $7,605Cash and due from depository institutions
  • $7,141Interest-bearing balances
  • $6,150Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $24,660Net loans & leases
  • $110Loan loss allowance
  • $0Trading account assets
  • $1,313Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $40,227Life insurance assets
  • $499All other assets
  • $36,960Total liabilities and capital
  • $36,828Total liabilities
  • $34,111Total deposits
  • $36,828Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $132Subordinated debt
  • $3,267All other liabilities
  • $3,267Total equity capital
  • $3,267Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $3,267Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $138Long-term assets (5+ years)
  • $37,951Average Assets, year-to-date
  • $12,550Average Assets, quarterly
  • $39,411Volatile liabilities
  • $39,819Insider loans
  • $20,051FHLB advances
  • $40,044Loans and leases held for sale
  • $25Unused loan commitments
  • $25Tier 1 (core) risk-based capital
  • $3,252Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $174Restructured Loans and leases
  • $888Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,576Total interest income
  • $409Total interest expense
  • $1,167Net interest income
  • $22Provision for loan and lease losses
  • $58Total noninterest income
  • $0Fiduciary activities
  • $40Service charges on deposit accounts
  • $0Trading account gains & fees
  • $18Additional noninterest income
  • $920Total noninterest expense
  • $494Salaries and employee benefits
  • $93Premises and equipment expense
  • $333Additional noninterest expense
  • $283Pre-tax net operating income
  • $0Securities gains (losses)
  • $88Applicable income taxes
  • $195Income before extraordinary items
  • $0Extraordinary gains - net
  • $195Net income attributable to bank
  • $0Net charge-offs
  • $195Cash dividends
  • $22Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.25%Yield on earning assets
  • 1.10%Cost of funding earning assets
  • 3.15%Net interest margin
  • 0.16%Noninterest income to earning assets
  • 2.48%Noninterest expense to earning assets
  • 0.49%Net operating income to assets
  • 0.49%Return on assets (ROA)
  • 0.72%Pretax return on assets
  • 6.16%Return on equity (ROE)
  • 6.16%Retained earnings to average equity (YTD only)
  • 0.09%Net charge-offs to loans
  • 100.00%Credit loss provision to net charge-offs
  • 13.86%Efficiency ratio
  • 75,102Assets per employee
  • 3.35%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.44%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 66.96%Net loans and leases to core deposits
  • 72.37%Equity capital to assets
  • 8.12%Core capital (leverage) ratio
  • 8.12%Tier 1 risk-based capital ratio
  • 16.22%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $39,411Average earning assets
  • $3,165Average equity
  • $37,054Average loans

List of branches

  • 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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