Shelby County State Bank in Shelbyville, Illinois (IL)

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Shelby County State Bank routing number info

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Shelby County State Bank
GeneralFDIC Certificate #: 11702
Status: Active
Federal Reserve ID: 235446
Bank Holding Company (Regulatory Top Holder): Shelby County Bancorp, Inc. (RSSDID: 1138058, Location: Shelbyville, IL)
Date Established: May 11, 1895
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 6 (Domestic: 6, Interstate: No)
OTS Docket #: 14714
FDIC's unique #: 7481
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
LocationAddress: 130 South Morgan Street, Shelbyville, IL 62565
County: Shelby
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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $203.0 mil
Equity capital: $21.0 mil
Deposits held in domestic offices: $179.9 mil
Return on assets (ROA): 1.01% ($2.1 mil)
Quarterly return on assets: 0.89% ($1.8 mil)
Return on Equity (ROE): 9.74% ($2.0 mil)
Quarterly return on equity: 8.40% ($1.8 mil)
Net income: $2.0 mil
Quarterly Net income: $0.4 mil
Pretax return on assets: 1.02% ($2,070.8 mil)
Quarterly Pretax return on assets: 0.89% ($1,806.9 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)55
Total assets$203,024
Cash and due from depository institutions$6,868
Interest-bearing balances$918
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$110,229
Loan loss allowance $890
Trading account assets$0
Bank premises and fixed assets$1,860
Other real estate owned$136
Goodwill and other intangibles$0
All other assets$2,779
Life insurance assets$203,024
Total liabilities and capital$182,030
Total liabilities$179,919
Total deposits$155,381
Interest-bearing deposits$179,919
Deposits held in domestic offices$86
% insured (estimated)1498.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$44
Other borrowed funds $0
Subordinated debt $569
All other liabilities $20,994
Total equity capital$20,994
Total bank equity capital$20,994
Perpetual preferred stock$0
Common stock$1,400
Undivided profits $17,209
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 $368
Earning assets $0
Long-term assets (5+ years) $1,728
Average Assets, year-to-date $192,299
Average Assets, quarterly $34,405
Volatile liabilities $195,167
Insider loans $198,794
FHLB advances $120,417
Loans and leases held for sale $200,692
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $19,151
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $20,846
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $7,562
Total interest expense $1,519
Net interest income $6,043
Provision for loan and lease losses $285
Total noninterest income $1,069
Fiduciary activities $129
Service charges on deposit accounts $282
Trading account gains & fees $0
Additional noninterest income $658
Total noninterest expense $4,950
Salaries and employee benefits $2,713
Premises and equipment expense $766
Additional noninterest expense $1,471
Pre-tax net operating income $1,877
Securities gains (losses) $114
Applicable income taxes $12
Income before extraordinary items $1,979
Extraordinary gains - net $0
Net income attributable to bank $1,979
Net charge-offs $0
Cash dividends $1,979
Sale, conversion, retirement of capital stock, net $81
Net operating income $1,376
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.12%
Cost of funding earning assets 0.83%
Net interest margin 3.29%
Noninterest income to earning assets 0.58%
Noninterest expense to earning assets 2.70%
Net operating income to assets 0.96%
Return on assets (ROA) 1.01%
Pretax return on assets 1.02%
Return on equity (ROE) 9.74%
Retained earnings to average equity (YTD only) 2.97%
Net charge-offs to loans 0.08%
Credit loss provision to net charge-offs 351.85%
Efficiency ratio26.69%
Assets per employee$69,601
Cash dividends to net income (YTD only)3.69%
Condition Ratios (%)
Loss allowance to loans 69.53%
Loss allowance to noncurrent loans 0.80%
Noncurrent assets plus other real estate owned to assets 241.85%
Noncurrent loans to loans 0.25%
Net loans and leases to deposits0.33%
Net loans and leases to core deposits 61.27%
Equity capital to assets 63.47%
Core capital (leverage) ratio 10.34%
Tier 1 risk-based capital ratio 9.54%
Total risk-based capital ratio 15.90%
Average assets$17
Average earning assets$195,167
Average equity $20,319
Average loans $183,585
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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$21,111
Number of Accounts1
Personal trust and agency accounts$4,542
Employee benefit-defined contribution accounts$2,189
Employee benefit-defined benefit accounts$1,347
Other retirement accounts$0
Corporate trust and agency accounts$0
Investment management agency accounts$0
Other fiduciary accounts$1,006
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts233
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$16,569
Corporate trust and agency accounts$12,397
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$1,581
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6 Illinois Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
07481Shelby County State Bank130 South Morgan Street, Shelbyville, IL 62565May 11, 1895Full Service Brick and Mortar
110350Windsor Facility1112 Maine Street, Windsor, IL 61957April 22, 1944Full Service Brick and Mortar
214181Findlay Branch207 East Division Street, Findlay, IL 62534December 02, 1971Full Service Brick and Mortar
35937Strasburg BranchMain Street, Strasburg, IL 62465January 01, 1917Full Service Brick and Mortar
42254701501 West Main Street Branch1501 West Main Street, Shelbyville, IL 62565January 10, 1994Full Service Brick and Mortar
5478854Moweaqua Branch920 East Main Street, Moweaqua, IL 62550July 07, 2008Full Service Brick and Mortar
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