FDIC Certificate #: 1787 Status: Active Federal Reserve ID: 679648 Bank Holding Company (Regulatory Top Holder): Rochester State Bankshares, Inc. (RSSDID: 1132319, Location: Rochester, IL) Date Established: October 11, 1912 WWW:http://www.rochesterstatebank.com Trust Powers Granted: Yes Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 1184 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: Other Specialized Lending < 1 Billion Date of Deposit Insurance: January 01, 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: 133 North John Street, Rochester, IL 62563 County: Sangamon Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Chicago FDIC Field Office: Springfield Il Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: Central Metropolitan Statistical Area (MSA): Springfield, IL (#7880) Core Based Statistical Area (CBSA): Springfield, IL (#44100) CBSA Metro Statistical Area: Springfield, IL (#44100)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $71.8 mil Equity capital: $9.6 mil Deposits held in domestic offices: $61.8 mil Return on assets (ROA): 0.73% ($0.5 mil) Quarterly return on assets: 0.29% ($0.2 mil) Return on Equity (ROE): 5.51% ($0.6 mil) Quarterly return on equity: 2.20% ($0.2 mil) Net income: $0.5 mil Quarterly Net income: $0.1 mil Pretax return on assets: 0.74% ($531.1 mil) Quarterly Pretax return on assets: 0.30% ($215.3 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
11Total employees (full-time equivalent)
$71,777Total assets
$6,676Cash and due from depository institutions
$0Interest-bearing balances
$46,070Securities
$0Federal funds sold & reverse repurchase agreements
$17,951Net loans & leases
$173Loan loss allowance
$0Trading account assets
$427Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$71,777Life insurance assets
$653All other assets
$62,207Total liabilities and capital
$61,781Total liabilities
$49,197Total deposits
$61,781Interest-bearing deposits
$91Deposits held in domestic offices
285.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$141Subordinated debt
$9,570All other liabilities
$9,570Total equity capital
$9,570Total bank equity capital
$0Perpetual preferred stock
$200Common stock
$1,300Surplus
$8,070Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$103Income earned, not collected on loans
$0Earning assets
$561Long-term assets (5+ years)
$64,021Average Assets, year-to-date
$3,837Average Assets, quarterly
$71,251Volatile liabilities
$72,159Insider loans
$43,468FHLB advances
$73,002Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$9,570Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$936Restructured Loans and leases
$218Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,243Total interest income
$418Total interest expense
$1,825Net interest income
$13Provision for loan and lease losses
$251Total noninterest income
$0Fiduciary activities
$147Service charges on deposit accounts
$0Trading account gains & fees
$104Additional noninterest income
$1,538Total noninterest expense
$805Salaries and employee benefits
$139Premises and equipment expense
$594Additional noninterest expense
$525Pre-tax net operating income
$0Securities gains (losses)
$2Applicable income taxes
$523Income before extraordinary items
$0Extraordinary gains - net
$523Net income attributable to bank
$0Net charge-offs
$523Cash dividends
-$16Sale, conversion, retirement of capital stock, net
$216Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.67%Yield on earning assets
0.68%Cost of funding earning assets
2.99%Net interest margin
0.41%Noninterest income to earning assets
2.52%Noninterest expense to earning assets
0.73%Net operating income to assets
0.73%Return on assets (ROA)
0.74%Pretax return on assets
5.51%Return on equity (ROE)
3.23%Retained earnings to average equity (YTD only)
-0.09%Net charge-offs to loans
-81.25%Credit loss provision to net charge-offs
0.00%Efficiency ratio
74,085Assets per employee
6.53%Cash dividends to net income (YTD only)
Condition Ratios (%)
41.30%Loss allowance to loans
0.95%Loss allowance to noncurrent loans
167.96%Noncurrent assets plus other real estate owned to assets
0.14%Noncurrent loans to loans
0.57%Net loans and leases to deposits
29.06%Net loans and leases to core deposits
30.34%Equity capital to assets
13.33%Core capital (leverage) ratio
13.11%Tier 1 risk-based capital ratio
22.02%Total risk-based capital ratio
Memoranda
$22Average assets
$71,251Average earning assets
$9,497Average equity
$61,104Average loans
Total Fiduciary and Related Assets (December 31, 2011)
Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
YesFiduciary powers granted
YesFiduciary or related activity
$2,070Managed Assets
1Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Investment management agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
2Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$2,070Other retirement accounts
$0Corporate trust and agency accounts
$2,067Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
List of branches
1 Illinois Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
1184
Rochester State Bank
133 North John Street, Rochester, IL 62563
October 11, 1912
Full Service Brick and Mortar
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