Southern Illinois Bank in Johnston City, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Southern Illinois Bank in Johnston City, Illinois (IL)
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Southern Illinois Bank - Overview

  • General
  • FDIC Certificate #: 35229
    Status: Active
    Federal Reserve ID: 2847085
    Date Established: September 10, 1999
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 76785
    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: No
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: September 10, 1999
    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: 1012 West Broadway, Johnston City, IL 62951
    County: Williamson
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Mount Vernon
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Combined Statistical Area (CSA): Carbondale-Marion-Herrin, IL (#166)
    Core Based Statistical Area (CBSA): Marion-Herrin, IL (#32060)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $90.0 mil
    Equity capital: $7.4 mil
    Deposits held in domestic offices: $81.8 mil
    Return on assets (ROA): 1.01% ($0.9 mil)
    Quarterly return on assets: 1.03% ($0.9 mil)
    Return on Equity (ROE): 13.13% ($0.9 mil)
    Quarterly return on equity: 12.76% ($0.9 mil)
    Net income: $0.9 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.31% ($1,178.8 mil)
    Quarterly Pretax return on assets: 1.25% ($1,124.8 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
  • 22Total employees (full-time equivalent)
  • $89,985Total assets
  • $2,889Cash and due from depository institutions
  • $0Interest-bearing balances
  • $46,107Securities
  • $507Federal funds sold & reverse repurchase agreements
  • $36,905Net loans & leases
  • $306Loan loss allowance
  • $0Trading account assets
  • $1,852Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $89,985Life insurance assets
  • $1,725All other assets
  • $82,626Total liabilities and capital
  • $81,794Total liabilities
  • $69,117Total deposits
  • $81,794Interest-bearing deposits
  • $76Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $832Subordinated debt
  • $7,359All other liabilities
  • $7,359Total equity capital
  • $7,359Total bank equity capital
  • $0Perpetual preferred stock
  • $600Common stock
  • $2,400Surplus
  • $4,359Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $451Income earned, not collected on loans
  • $0Earning assets
  • $379Long-term assets (5+ years)
  • $83,519Average Assets, year-to-date
  • $15,694Average Assets, quarterly
  • $85,342Volatile liabilities
  • $89,787Insider loans
  • $42,017FHLB advances
  • $89,521Loans and leases held for sale
  • $849Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $6,676Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $849Total unused commitments
  • $2,269Restructured Loans and leases
  • $621Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,385Total interest income
  • $672Total interest expense
  • $2,713Net interest income
  • $35Provision for loan and lease losses
  • $385Total noninterest income
  • $0Fiduciary activities
  • $269Service charges on deposit accounts
  • $0Trading account gains & fees
  • $116Additional noninterest income
  • $1,938Total noninterest expense
  • $969Salaries and employee benefits
  • $460Premises and equipment expense
  • $509Additional noninterest expense
  • $1,125Pre-tax net operating income
  • -$9Securities gains (losses)
  • $256Applicable income taxes
  • $860Income before extraordinary items
  • $0Extraordinary gains - net
  • $860Net income attributable to bank
  • $0Net charge-offs
  • $860Cash dividends
  • $71Sale, conversion, retirement of capital stock, net
  • $21Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.31%Yield on earning assets
  • 0.86%Cost of funding earning assets
  • 3.45%Net interest margin
  • 0.49%Noninterest income to earning assets
  • 2.47%Noninterest expense to earning assets
  • 1.02%Net operating income to assets
  • 1.01%Return on assets (ROA)
  • 1.31%Pretax return on assets
  • 13.13%Return on equity (ROE)
  • 12.81%Retained earnings to average equity (YTD only)
  • 0.20%Net charge-offs to loans
  • 49.30%Credit loss provision to net charge-offs
  • 16.34%Efficiency ratio
  • 62,556Assets per employee
  • 4.09%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 2.44%Loss allowance to loans
  • 0.82%Loss allowance to noncurrent loans
  • 67.85%Noncurrent assets plus other real estate owned to assets
  • 0.50%Noncurrent loans to loans
  • 1.21%Net loans and leases to deposits
  • 45.12%Net loans and leases to core deposits
  • 46.26%Equity capital to assets
  • 8.18%Core capital (leverage) ratio
  • 7.46%Tier 1 risk-based capital ratio
  • 15.89%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $85,342Average earning assets
  • $6,549Average equity
  • $78,563Average loans

List of branches

  • 4 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    076785Southern Illinois Bank1012 West Broadway, Johnston City, IL 62951September 10, 1999Full Service Brick and Mortar
    1358316West Frankfort Branch404 South Logan Street, West Frankfort, IL 62896September 21, 2000Full Service Brick and Mortar
    2363983Zeigler Branch202 N Christopher Rd, Zeigler, IL 62999June 28, 2002Full Service Brick and Mortar
    3459450Thompsonville Branch21394 Shawneetown Rd, Thompsonville, IL 62890January 03, 2007Full Service Brick and Mortar

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