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


  • Reynolds State Bank in Reynolds, Illinois (IL)
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Reynolds State Bank - Overview

  • General
  • FDIC Certificate #: 10080
    Status: Active
    Federal Reserve ID: 934646
    Date Established: January 01, 1888
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 6445
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: June 08, 2010
    Last Data Update: June 08, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 227 W Main St, Reynolds, IL 61279
    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
  • Change in Location
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $96.6 mil
    Equity capital: $19.9 mil
    Deposits held in domestic offices: $75.0 mil
    Return on assets (ROA): 2.28% ($2.2 mil)
    Quarterly return on assets: 1.28% ($1.2 mil)
    Return on Equity (ROE): 11.74% ($2.3 mil)
    Quarterly return on equity: 6.14% ($1.2 mil)
    Net income: $2.2 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 2.89% ($2,793.1 mil)
    Quarterly Pretax return on assets: 2.90% ($2,802.8 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
  • 6Total employees (full-time equivalent)
  • $96,648Total assets
  • $3,082Cash and due from depository institutions
  • $0Interest-bearing balances
  • $85,131Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $7,126Net loans & leases
  • $110Loan loss allowance
  • $0Trading account assets
  • $30Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $96,648Life insurance assets
  • $1,279All other assets
  • $76,706Total liabilities and capital
  • $75,031Total liabilities
  • $68,234Total deposits
  • $75,031Interest-bearing deposits
  • $81Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,675Subordinated debt
  • $19,942All other liabilities
  • $19,942Total equity capital
  • $19,942Total bank equity capital
  • $0Perpetual preferred stock
  • $300Common stock
  • $500Surplus
  • $19,142Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $436Income earned, not collected on loans
  • $0Earning assets
  • $1,130Long-term assets (5+ years)
  • $92,257Average Assets, year-to-date
  • $77,310Average Assets, quarterly
  • $94,267Volatile liabilities
  • $97,356Insider loans
  • $44,625FHLB advances
  • $94,238Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $17,729Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,344Total interest income
  • $1,327Total interest expense
  • $3,017Net interest income
  • $0Provision for loan and lease losses
  • $11Total noninterest income
  • $0Fiduciary activities
  • $7Service charges on deposit accounts
  • $0Trading account gains & fees
  • $4Additional noninterest income
  • $680Total noninterest expense
  • $406Salaries and employee benefits
  • $28Premises and equipment expense
  • $246Additional noninterest expense
  • $2,348Pre-tax net operating income
  • $376Securities gains (losses)
  • $572Applicable income taxes
  • $2,152Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,152Net income attributable to bank
  • $0Net charge-offs
  • $2,152Cash dividends
  • -$8Sale, conversion, retirement of capital stock, net
  • $900Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.87%Yield on earning assets
  • 1.49%Cost of funding earning assets
  • 3.38%Net interest margin
  • 0.01%Noninterest income to earning assets
  • 0.76%Noninterest expense to earning assets
  • 1.97%Net operating income to assets
  • 2.28%Return on assets (ROA)
  • 2.89%Pretax return on assets
  • 11.74%Return on equity (ROE)
  • 6.83%Retained earnings to average equity (YTD only)
  • -0.13%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 22,457Assets per employee
  • 16.11%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 41.82%Loss allowance to loans
  • 1.52%Loss allowance to noncurrent loans
  • 25.23%Noncurrent assets plus other real estate owned to assets
  • 0.45%Noncurrent loans to loans
  • 6.03%Net loans and leases to deposits
  • 9.50%Net loans and leases to core deposits
  • 9.59%Equity capital to assets
  • 20.63%Core capital (leverage) ratio
  • 18.81%Tier 1 risk-based capital ratio
  • 39.73%Total risk-based capital ratio
  • Memoranda
  • $40Average assets
  • $94,267Average earning assets
  • $18,338Average equity
  • $89,281Average loans

List of branches

  • 1 Illinois Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06445Reynolds State Bank227 W Main St, Reynolds, IL 61279January 01, 1888Full Service Brick and Mortar

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