Savanna-Thomson State Bank in Thomson, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches


Savanna-Thomson State Bank - Overview

  • General
  • FDIC Certificate #: 5753
    Status: Active
    Federal Reserve ID: 597041
    Bank Holding Company (Regulatory Top Holder): Savanna-Thomson Investment, Inc. (RSSDID: 3084999, Location: Savanna, IL)
    Date Established: January 01, 1920
    WWW: http://www.stsb4u.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 9858
    FDIC's unique #: 3925
    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: Commercial Lending 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: Main Street And Route 84, Thomson, IL 61285
    County: Carroll
    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
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $84.4 mil
    Equity capital: $10.2 mil
    Deposits held in domestic offices: $73.5 mil
    Return on assets (ROA): 0.53% ($0.4 mil)
    Quarterly return on assets: 0.79% ($0.7 mil)
    Return on Equity (ROE): 4.26% ($0.4 mil)
    Quarterly return on equity: 6.34% ($0.6 mil)
    Net income: $0.4 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.53% ($447.2 mil)
    Quarterly Pretax return on assets: 0.79% ($666.5 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
  • 23Total employees (full-time equivalent)
  • $84,370Total assets
  • $6,697Cash and due from depository institutions
  • $2,781Interest-bearing balances
  • $9,423Securities
  • $4,170Federal funds sold & reverse repurchase agreements
  • $57,272Net loans & leases
  • $213Loan loss allowance
  • $0Trading account assets
  • $1,586Bank premises and fixed assets
  • $1,251Other real estate owned
  • $2,984Goodwill and other intangibles
  • $84,370Life insurance assets
  • $987All other assets
  • $74,155Total liabilities and capital
  • $73,518Total liabilities
  • $67,173Total deposits
  • $73,518Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $500Other borrowed funds
  • $137Subordinated debt
  • $10,215All other liabilities
  • $10,215Total equity capital
  • $10,215Total bank equity capital
  • $0Perpetual preferred stock
  • $50Common stock
  • $12,485Surplus
  • $-2,320Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $849Income earned, not collected on loans
  • $0Earning assets
  • $428Long-term assets (5+ years)
  • $73,646Average Assets, year-to-date
  • $11,517Average Assets, quarterly
  • $78,227Volatile liabilities
  • $81,222Insider loans
  • $58,788FHLB advances
  • $76,449Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $6,983Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $6,306Restructured Loans and leases
  • $713Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,489Total interest income
  • $821Total interest expense
  • $2,668Net interest income
  • $210Provision for loan and lease losses
  • $145Total noninterest income
  • $0Fiduciary activities
  • $84Service charges on deposit accounts
  • $0Trading account gains & fees
  • $61Additional noninterest income
  • $2,185Total noninterest expense
  • $949Salaries and employee benefits
  • $405Premises and equipment expense
  • $831Additional noninterest expense
  • $418Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $418Income before extraordinary items
  • $0Extraordinary gains - net
  • $418Net income attributable to bank
  • $0Net charge-offs
  • $418Cash dividends
  • $236Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.03%Yield on earning assets
  • 1.18%Cost of funding earning assets
  • 3.84%Net interest margin
  • 0.21%Noninterest income to earning assets
  • 3.15%Noninterest expense to earning assets
  • 0.53%Net operating income to assets
  • 0.53%Return on assets (ROA)
  • 0.53%Pretax return on assets
  • 4.26%Return on equity (ROE)
  • 4.26%Retained earnings to average equity (YTD only)
  • 0.42%Net charge-offs to loans
  • 88.98%Credit loss provision to net charge-offs
  • 2.66%Efficiency ratio
  • 76,680Assets per employee
  • 3.67%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.37%Loss allowance to noncurrent loans
  • 25.09%Noncurrent assets plus other real estate owned to assets
  • 2.49%Noncurrent loans to loans
  • 1.48%Net loans and leases to deposits
  • 77.90%Net loans and leases to core deposits
  • 78.69%Equity capital to assets
  • 12.11%Core capital (leverage) ratio
  • 9.13%Tier 1 risk-based capital ratio
  • 11.88%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $78,227Average earning assets
  • $9,820Average equity
  • $69,401Average loans

List of branches

  • 3 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03925Savanna-Thomson State BankMain Street And Route 84, Thomson, IL 61285January 01, 1920Full Service Brick and Mortar
    213317Savanna Branch302 Main Street, Savanna, IL 61074October 13, 1965Full Service Brick and Mortar
    3466068Mt Carroll Branch703 South East Street, Mount Carroll, IL 61053April 09, 2007Full Service Brick and Mortar

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