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

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

  • General
  • 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
    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
  • NoIDNameAddressEstablishedService TypeMap
    01184Rochester State Bank133 North John Street, Rochester, IL 62563October 11, 1912Full Service Brick and Mortar

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