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

Port Byron State Bank - Overview

  • General
  • FDIC Certificate #: 14085
    Status: Active
    Federal Reserve ID: 747846
    Bank Holding Company (Regulatory Top Holder): First Port Byron Bancorp, Inc. (RSSDID: 1209396, Location: Port Byron, IL)
    Date Established: September 01, 1863
    WWW: http://www.pbsb1863.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 14442
    FDIC's unique #: 8805
    Numeric code: 13
    Regulator: FED
    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: March 22, 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: 124 North Main Street, Port Byron, IL 61275
    County: Rock Island
    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): Davenport-Moline-Rock Island, IA-IL (#1960)
    Core Based Statistical Area (CBSA): Davenport-Moline-Rock Island, IA-IL (#19340)
    CBSA Metro Statistical Area: Davenport-Moline-Rock Island, IA-IL (#19340)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $92.7 mil
    Equity capital: $9.0 mil
    Deposits held in domestic offices: $81.9 mil
    Return on assets (ROA): 0.55% ($0.5 mil)
    Quarterly return on assets: 0.49% ($0.5 mil)
    Return on Equity (ROE): 5.87% ($0.5 mil)
    Quarterly return on equity: 5.03% ($0.5 mil)
    Net income: $0.5 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.81% ($750.6 mil)
    Quarterly Pretax return on assets: 0.67% ($620.9 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
  • 29Total employees (full-time equivalent)
  • $92,669Total assets
  • $12,815Cash and due from depository institutions
  • $10,677Interest-bearing balances
  • $18,757Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $55,791Net loans & leases
  • $946Loan loss allowance
  • $0Trading account assets
  • $2,502Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $92,669Life insurance assets
  • $2,804All other assets
  • $83,621Total liabilities and capital
  • $81,923Total liabilities
  • $75,804Total deposits
  • $81,923Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,000Trading liabilities
  • $0Other borrowed funds
  • $698Subordinated debt
  • $9,048All other liabilities
  • $9,048Total equity capital
  • $9,048Total bank equity capital
  • $0Perpetual preferred stock
  • $150Common stock
  • $970Surplus
  • $7,928Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $423Income earned, not collected on loans
  • $0Earning assets
  • $595Long-term assets (5+ years)
  • $85,225Average Assets, year-to-date
  • $18,376Average Assets, quarterly
  • $93,309Volatile liabilities
  • $92,953Insider loans
  • $58,603FHLB advances
  • $92,506Loans and leases held for sale
  • $401Unused loan commitments
  • $401Tier 1 (core) risk-based capital
  • $8,790Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $4,675Restructured Loans and leases
  • $571Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,766Total interest income
  • $1,063Total interest expense
  • $3,703Net interest income
  • $187Provision for loan and lease losses
  • $359Total noninterest income
  • $0Fiduciary activities
  • $140Service charges on deposit accounts
  • $0Trading account gains & fees
  • $219Additional noninterest income
  • $3,119Total noninterest expense
  • $1,562Salaries and employee benefits
  • $329Premises and equipment expense
  • $1,228Additional noninterest expense
  • $756Pre-tax net operating income
  • $0Securities gains (losses)
  • $246Applicable income taxes
  • $510Income before extraordinary items
  • $0Extraordinary gains - net
  • $510Net income attributable to bank
  • $0Net charge-offs
  • $510Cash dividends
  • $251Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.58%Yield on earning assets
  • 1.25%Cost of funding earning assets
  • 4.34%Net interest margin
  • 0.42%Noninterest income to earning assets
  • 3.65%Noninterest expense to earning assets
  • 0.55%Net operating income to assets
  • 0.55%Return on assets (ROA)
  • 0.81%Pretax return on assets
  • 5.87%Return on equity (ROE)
  • 5.87%Retained earnings to average equity (YTD only)
  • 0.40%Net charge-offs to loans
  • 74.50%Credit loss provision to net charge-offs
  • 3.76%Efficiency ratio
  • 76,785Assets per employee
  • 3.20%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.67%Loss allowance to noncurrent loans
  • 223.64%Noncurrent assets plus other real estate owned to assets
  • 0.46%Noncurrent loans to loans
  • 0.75%Net loans and leases to deposits
  • 68.10%Net loans and leases to core deposits
  • 69.83%Equity capital to assets
  • 9.76%Core capital (leverage) ratio
  • 9.50%Tier 1 risk-based capital ratio
  • 15.00%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $93,309Average earning assets
  • $8,693Average equity
  • $85,356Average loans

List of branches

  • 3 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08805Port Byron State Bank124 North Main Street, Port Byron, IL 61275September 01, 1863Full Service Brick and Mortar
    1442318Colona State Branch801 1st Street, Colona, IL 61241December 14, 1999Full Service Brick and Mortar
    2453975Coal Valley Branch301 West First Avenue, Coal Valley, IL 61240July 06, 2006Full Service Brick and Mortar

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