Rochester State Bank in Rochester, Illinois (IL)



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Rochester State Bank routing number info

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Rochester State Bank
GeneralFDIC 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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)11
Total assets$71,777
Cash and due from depository institutions$6,676
Interest-bearing balances$0
Securities$46,070
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$17,951
Loan loss allowance $173
Trading account assets$0
Bank premises and fixed assets$427
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$653
Life insurance assets$71,777
Total liabilities and capital$62,207
Total liabilities$61,781
Total deposits$49,197
Interest-bearing deposits$61,781
Deposits held in domestic offices$91
% insured (estimated)285.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $141
All other liabilities $9,570
Total equity capital$9,570
Total bank equity capital$9,570
Perpetual preferred stock$0
Common stock$200
Surplus$1,300
Undivided profits $8,070
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $103
Earning assets $0
Long-term assets (5+ years) $561
Average Assets, year-to-date $64,021
Average Assets, quarterly $3,837
Volatile liabilities $71,251
Insider loans $72,159
FHLB advances $43,468
Loans and leases held for sale $73,002
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $9,570
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $936
Derivatives$218
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $2,243
Total interest expense $418
Net interest income $1,825
Provision for loan and lease losses $13
Total noninterest income $251
Fiduciary activities $0
Service charges on deposit accounts $147
Trading account gains & fees $0
Additional noninterest income $104
Total noninterest expense $1,538
Salaries and employee benefits $805
Premises and equipment expense $139
Additional noninterest expense $594
Pre-tax net operating income $525
Securities gains (losses) $0
Applicable income taxes $2
Income before extraordinary items $523
Extraordinary gains - net $0
Net income attributable to bank $523
Net charge-offs $0
Cash dividends $523
Sale, conversion, retirement of capital stock, net -$16
Net operating income $216
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets3.67%
Cost of funding earning assets 0.68%
Net interest margin 2.99%
Noninterest income to earning assets 0.41%
Noninterest expense to earning assets 2.52%
Net operating income to assets 0.73%
Return on assets (ROA) 0.73%
Pretax return on assets 0.74%
Return on equity (ROE) 5.51%
Retained earnings to average equity (YTD only) 3.23%
Net charge-offs to loans -0.09%
Credit loss provision to net charge-offs -81.25%
Efficiency ratio0.00%
Assets per employee$74,085
Cash dividends to net income (YTD only)6.53%
Condition Ratios (%)
Loss allowance to loans 41.30%
Loss allowance to noncurrent loans 0.95%
Noncurrent assets plus other real estate owned to assets 167.96%
Noncurrent loans to loans 0.14%
Net loans and leases to deposits0.57%
Net loans and leases to core deposits 29.06%
Equity capital to assets 30.34%
Core capital (leverage) ratio 13.33%
Tier 1 risk-based capital ratio 13.11%
Total risk-based capital ratio 22.02%
Memoranda
Average assets$22
Average earning assets$71,251
Average equity $9,497
Average loans $61,104
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$2,070
Number of Accounts1
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Investment management agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts2
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$2,070
Corporate trust and agency accounts$0
Other fiduciary accounts$2,067
Fiduciary accounts held in foreign offices$0
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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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