Scott State Bank in city_name, state_name - Detailed Financial Reports, Location

Scott State Bank in Bethany, Illinois (IL)
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Scott State Bank routing number info

Scott State Bank - Overview

General
FDIC Certificate #: 8491
Status: Active
Federal Reserve ID: 443634
Bank Holding Company (Regulatory Top Holder): Scott Bancshares, Inc. (RSSDID: 1206425, Location: Bethany, IL)
Date Established: January 01, 1887
WWW: http://www.scottbancshares.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 4 (Domestic: 4, Interstate: No)
OTS Docket #: 15639
FDIC's unique #: 5404
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: All Other Specialization < 1 Billion
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: July 01, 2011
Last Structure Change Process Date: July 06, 2011
Last Data Update: July 06, 2011
Data Source Date: April 05, 2012
Location
Address: 101 West Main Street, Bethany, IL 61914
County: Moultrie
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Champaign
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Central
History of Changes
Participated in Absorption/Consolidation/Merger
Financial Summary
Total assets: $94.8 mil
Equity capital: $15.0 mil
Deposits held in domestic offices: $78.7 mil
Return on assets (ROA): 1.20% ($1.1 mil)
Quarterly return on assets: 1.32% ($1.3 mil)
Return on Equity (ROE): 7.95% ($1.2 mil)
Quarterly return on equity: 8.57% ($1.3 mil)
Net income: $1.2 mil
Quarterly Net income: $0.3 mil
Pretax return on assets: 1.20% ($1,137.2 mil)
Quarterly Pretax return on assets: 1.32% ($1,251.0 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
40Total employees (full-time equivalent)
$94,769Total assets
$8,132Cash and due from depository institutions
$4,596Interest-bearing balances
$39,598Securities
$0Federal funds sold & reverse repurchase agreements
$40,955Net loans & leases
$576Loan loss allowance
$0Trading account assets
$1,535Bank premises and fixed assets
$462Other real estate owned
$283Goodwill and other intangibles
$94,769Life insurance assets
$3,804All other assets
$79,787Total liabilities and capital
$78,735Total liabilities
$68,310Total deposits
$78,735Interest-bearing deposits
$93Deposits held in domestic offices
793.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$259Subordinated debt
$14,982All other liabilities
$14,982Total equity capital
$14,982Total bank equity capital
$0Perpetual preferred stock
$368Common stock
$3,362Surplus
$11,252Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$934Income earned, not collected on loans
$0Earning assets
$668Long-term assets (5+ years)
$85,149Average Assets, year-to-date
$33,846Average Assets, quarterly
$96,397Volatile liabilities
$96,740Insider loans
$59,379FHLB advances
$97,870Loans and leases held for sale
$2,285Unused loan commitments
$0Tier 1 (core) risk-based capital
$14,010Tier 2 risk-based capital
$0Total risk weighted assets
$2,285Total unused commitments
$4,550Restructured Loans and leases
$562Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$3,780Total interest income
$482Total interest expense
$3,298Net interest income
$205Provision for loan and lease losses
$960Total noninterest income
$165Fiduciary activities
$369Service charges on deposit accounts
$0Trading account gains & fees
$426Additional noninterest income
$3,059Total noninterest expense
$1,793Salaries and employee benefits
$370Premises and equipment expense
$896Additional noninterest expense
$994Pre-tax net operating income
$162Securities gains (losses)
$1Applicable income taxes
$1,155Income before extraordinary items
$0Extraordinary gains - net
$1,155Net income attributable to bank
$0Net charge-offs
$1,155Cash dividends
$206Sale, conversion, retirement of capital stock, net
$600Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.37%Yield on earning assets
0.56%Cost of funding earning assets
3.81%Net interest margin
1.11%Noninterest income to earning assets
3.54%Noninterest expense to earning assets
1.03%Net operating income to assets
1.20%Return on assets (ROA)
1.20%Pretax return on assets
7.95%Return on equity (ROE)
3.82%Retained earnings to average equity (YTD only)
0.50%Net charge-offs to loans
99.51%Credit loss provision to net charge-offs
5.82%Efficiency ratio
71,841Assets per employee
2.37%Cash dividends to net income (YTD only)
Condition Ratios (%)
51.95%Loss allowance to loans
1.39%Loss allowance to noncurrent loans
61.67%Noncurrent assets plus other real estate owned to assets
1.47%Noncurrent loans to loans
2.25%Net loans and leases to deposits
52.02%Net loans and leases to core deposits
53.48%Equity capital to assets
15.81%Core capital (leverage) ratio
14.31%Tier 1 risk-based capital ratio
23.59%Total risk-based capital ratio
Memoranda
$25Average assets
$96,397Average earning assets
$14,521Average equity
$86,451Average 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
$25,943Managed Assets
1Number of Accounts
$24,700Personal trust and agency accounts
$17,761Employee benefit-defined contribution accounts
$6,467Employee benefit-defined benefit accounts
$0Other retirement accounts
$472Corporate trust and agency accounts
$0Investment management agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
73Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$1,243Other retirement accounts
$243Corporate trust and agency accounts
$0Other fiduciary accounts
$1,000Fiduciary accounts held in foreign offices

List of branches

4 Illinois Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	5404	Scott State Bank	101 West Main Street, Bethany, IL 61914	January 01, 1887	Full Service Brick and Mortar
2	6907	Dalton City Branch	Main Street, Dalton City, IL 61925	January 01, 1892	Full Service Brick and Mortar
3	357411	Sullivan Branch	310 W. Jackson, Sullivan, IL 61951	June 12, 2000	Full Service Brick and Mortar
4	11096	Maroa Branch	101 East Main Street, Maroa, IL 61756	July 16, 1951	Full Service Brick and Mortar

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

Scott State Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

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

Scott State Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

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