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


Rushville State Bank - Overview

  • General
  • FDIC Certificate #: 9265
    Status: Active
    Federal Reserve ID: 49148
    Bank Holding Company (Regulatory Top Holder): Rushville Bancshares, Inc. (RSSDID: 1208652, Location: Rushville, IL)
    Date Established: January 01, 1890
    WWW: http://www.rushvillestatebank.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 13271
    FDIC's unique #: 5925
    Numeric code: 13
    Regulator: FED
    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: Yes
    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: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: Liberty And Lafayette Streets, Rushville, IL 62681
    County: Schuyler
    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
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $89.8 mil
    Equity capital: $14.3 mil
    Deposits held in domestic offices: $74.0 mil
    Return on assets (ROA): 1.24% ($1.1 mil)
    Quarterly return on assets: 1.32% ($1.2 mil)
    Return on Equity (ROE): 8.09% ($1.1 mil)
    Quarterly return on equity: 8.22% ($1.2 mil)
    Net income: $1.1 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.26% ($1,131.7 mil)
    Quarterly Pretax return on assets: 1.35% ($1,212.6 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
  • 16Total employees (full-time equivalent)
  • $89,821Total assets
  • $5,134Cash and due from depository institutions
  • $4,171Interest-bearing balances
  • $53,443Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $26,824Net loans & leases
  • $424Loan loss allowance
  • $0Trading account assets
  • $954Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $89,821Life insurance assets
  • $3,466All other assets
  • $75,513Total liabilities and capital
  • $74,030Total liabilities
  • $62,115Total deposits
  • $74,030Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,483Subordinated debt
  • $14,308All other liabilities
  • $14,308Total equity capital
  • $14,308Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $1,800Surplus
  • $12,308Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $750Income earned, not collected on loans
  • $0Earning assets
  • $602Long-term assets (5+ years)
  • $84,438Average Assets, year-to-date
  • $43,861Average Assets, quarterly
  • $87,975Volatile liabilities
  • $88,890Insider loans
  • $37,153FHLB advances
  • $92,759Loans and leases held for sale
  • $2,291Unused loan commitments
  • $2,291Tier 1 (core) risk-based capital
  • $12,474Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,715Restructured Loans and leases
  • $419Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,167Total interest income
  • $611Total interest expense
  • $2,556Net interest income
  • $180Provision for loan and lease losses
  • $408Total noninterest income
  • $46Fiduciary activities
  • $188Service charges on deposit accounts
  • $0Trading account gains & fees
  • $174Additional noninterest income
  • $1,679Total noninterest expense
  • $1,061Salaries and employee benefits
  • $277Premises and equipment expense
  • $341Additional noninterest expense
  • $1,105Pre-tax net operating income
  • $0Securities gains (losses)
  • $13Applicable income taxes
  • $1,092Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,092Net income attributable to bank
  • $0Net charge-offs
  • $1,092Cash dividends
  • $6Sale, conversion, retirement of capital stock, net
  • $495Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.84%Yield on earning assets
  • 0.74%Cost of funding earning assets
  • 3.10%Net interest margin
  • 0.50%Noninterest income to earning assets
  • 2.04%Noninterest expense to earning assets
  • 1.24%Net operating income to assets
  • 1.24%Return on assets (ROA)
  • 1.26%Pretax return on assets
  • 8.09%Return on equity (ROE)
  • 4.42%Retained earnings to average equity (YTD only)
  • 0.02%Net charge-offs to loans
  • 3000.00%Credit loss provision to net charge-offs
  • 214.17%Efficiency ratio
  • 56,646Assets per employee
  • 5.61%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 45.33%Loss allowance to loans
  • 1.56%Loss allowance to noncurrent loans
  • 56.53%Noncurrent assets plus other real estate owned to assets
  • 0.83%Noncurrent loans to loans
  • 2.75%Net loans and leases to deposits
  • 36.23%Net loans and leases to core deposits
  • 38.56%Equity capital to assets
  • 15.93%Core capital (leverage) ratio
  • 13.45%Tier 1 risk-based capital ratio
  • 33.57%Total risk-based capital ratio
  • Memoranda
  • $35Average assets
  • $87,975Average earning assets
  • $13,493Average equity
  • $82,418Average 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
  • $26,963Managed Assets
  • 1Number of Accounts
  • $15,136Personal trust and agency accounts
  • $12,497Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $759Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $1,880Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 173Number of Accounts
  • $0Personal trust and agency accounts
  • $759Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $11,827Other retirement accounts
  • $5,155Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $852Fiduciary accounts held in foreign offices

List of branches

  • 1 Illinois Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    05925Rushville State BankLiberty And Lafayette Streets, Rushville, IL 62681January 01, 1890Full Service Brick and Mortar

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