Spring Valley City Bank in Spring Valley, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Spring Valley City Bank in Spring Valley, Illinois (IL)
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Spring Valley City Bank - Overview

  • General
  • FDIC Certificate #: 12087
    Status: Active
    Federal Reserve ID: 452841
    Bank Holding Company (Regulatory Top Holder): Spring Valley Bancorp, Inc. (RSSDID: 1139596, Location: Spring Valley, IL)
    Date Established: November 01, 1905
    WWW: http://www.svcb.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 7680
    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: 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: 315 North Cornelia Street, Spring Valley, IL 61362
    County: Bureau
    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
    Core Based Statistical Area (CBSA): Ottawa-Streator, IL (#36860)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $196.8 mil
    Equity capital: $24.8 mil
    Deposits held in domestic offices: $169.6 mil
    Return on assets (ROA): 0.81% ($1.6 mil)
    Quarterly return on assets: 0.35% ($0.7 mil)
    Return on Equity (ROE): 6.54% ($1.6 mil)
    Quarterly return on equity: 2.73% ($0.7 mil)
    Net income: $1.6 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.05% ($2,066.8 mil)
    Quarterly Pretax return on assets: 0.25% ($492.1 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
  • 31Total employees (full-time equivalent)
  • $196,842Total assets
  • $9,401Cash and due from depository institutions
  • $7,293Interest-bearing balances
  • $82,450Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $100,326Net loans & leases
  • $2,573Loan loss allowance
  • $0Trading account assets
  • $626Bank premises and fixed assets
  • $148Other real estate owned
  • $0Goodwill and other intangibles
  • $196,842Life insurance assets
  • $3,891All other assets
  • $172,049Total liabilities and capital
  • $169,649Total liabilities
  • $154,163Total deposits
  • $169,649Interest-bearing deposits
  • $85Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $2,400Subordinated debt
  • $24,793All other liabilities
  • $24,793Total equity capital
  • $24,793Total bank equity capital
  • $0Perpetual preferred stock
  • $864Common stock
  • $3,386Surplus
  • $20,543Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,716Income earned, not collected on loans
  • $0Earning assets
  • $1,312Long-term assets (5+ years)
  • $190,069Average Assets, year-to-date
  • $116,523Average Assets, quarterly
  • $194,263Volatile liabilities
  • $194,919Insider loans
  • $97,697FHLB advances
  • $197,043Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $23,207Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $8,221Restructured Loans and leases
  • $1,736Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $8,469Total interest income
  • $1,979Total interest expense
  • $6,490Net interest income
  • $1,200Provision for loan and lease losses
  • $447Total noninterest income
  • $0Fiduciary activities
  • $235Service charges on deposit accounts
  • $0Trading account gains & fees
  • $212Additional noninterest income
  • $3,693Total noninterest expense
  • $1,702Salaries and employee benefits
  • $290Premises and equipment expense
  • $1,701Additional noninterest expense
  • $2,044Pre-tax net operating income
  • $3Securities gains (losses)
  • $476Applicable income taxes
  • $1,571Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,571Net income attributable to bank
  • $0Net charge-offs
  • $1,571Cash dividends
  • $170Sale, conversion, retirement of capital stock, net
  • $810Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.50%Yield on earning assets
  • 1.05%Cost of funding earning assets
  • 3.45%Net interest margin
  • 0.24%Noninterest income to earning assets
  • 1.96%Noninterest expense to earning assets
  • 0.81%Net operating income to assets
  • 0.81%Return on assets (ROA)
  • 1.05%Pretax return on assets
  • 6.54%Return on equity (ROE)
  • 3.17%Retained earnings to average equity (YTD only)
  • 0.17%Net charge-offs to loans
  • 705.88%Credit loss provision to net charge-offs
  • 19.08%Efficiency ratio
  • 53,236Assets per employee
  • 6.35%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 51.56%Loss allowance to loans
  • 2.50%Loss allowance to noncurrent loans
  • 94.73%Noncurrent assets plus other real estate owned to assets
  • 1.45%Noncurrent loans to loans
  • 2.64%Net loans and leases to deposits
  • 59.14%Net loans and leases to core deposits
  • 60.61%Equity capital to assets
  • 12.60%Core capital (leverage) ratio
  • 11.78%Tier 1 risk-based capital ratio
  • 23.75%Total risk-based capital ratio
  • Memoranda
  • $25Average assets
  • $194,263Average earning assets
  • $24,030Average equity
  • $188,146Average loans

List of branches

  • 1 Illinois Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07680Spring Valley City Bank315 North Cornelia Street, Spring Valley, IL 61362November 01, 1905Full Service Brick and Mortar

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