State Bank of Graymont in Graymont, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • State Bank of Graymont in Graymont, Illinois (IL)
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State Bank of Graymont - Overview

  • General
  • FDIC Certificate #: 10434
    Status: Active
    Federal Reserve ID: 937339
    Bank Holding Company (Regulatory Top Holder): Graymont Bancorp, Inc. (RSSDID: 1718209, Location: Graymont, IL)
    Date Established: January 01, 1913
    WWW: http://www.sbofgray.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 6668
    Numeric code: 21
    Regulator: FDIC
    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: No
    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
  • Location
  • Address: 204 Main Street, Graymont, IL 61743
    County: Livingston
    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
    Core Based Statistical Area (CBSA): Pontiac, IL (#38700)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $179.9 mil
    Equity capital: $16.3 mil
    Deposits held in domestic offices: $162.0 mil
    Return on assets (ROA): 0.91% ($1.6 mil)
    Quarterly return on assets: 0.64% ($1.2 mil)
    Return on Equity (ROE): 10.33% ($1.7 mil)
    Quarterly return on equity: 7.06% ($1.1 mil)
    Net income: $1.6 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.17% ($2,104.8 mil)
    Quarterly Pretax return on assets: 0.96% ($1,727.0 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
  • 37Total employees (full-time equivalent)
  • $179,900Total assets
  • $10,177Cash and due from depository institutions
  • $0Interest-bearing balances
  • $66,821Securities
  • $11,709Federal funds sold & reverse repurchase agreements
  • $85,668Net loans & leases
  • $612Loan loss allowance
  • $0Trading account assets
  • $829Bank premises and fixed assets
  • $70Other real estate owned
  • $361Goodwill and other intangibles
  • $179,900Life insurance assets
  • $4,265All other assets
  • $163,573Total liabilities and capital
  • $161,965Total liabilities
  • $144,177Total deposits
  • $161,965Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 80.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,528Subordinated debt
  • $16,327All other liabilities
  • $16,327Total equity capital
  • $16,327Total bank equity capital
  • $0Perpetual preferred stock
  • $300Common stock
  • $1,200Surplus
  • $14,827Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $492Income earned, not collected on loans
  • $0Earning assets
  • $2,052Long-term assets (5+ years)
  • $164,198Average Assets, year-to-date
  • $46,255Average Assets, quarterly
  • $172,897Volatile liabilities
  • $176,992Insider loans
  • $111,956FHLB advances
  • $173,561Loans and leases held for sale
  • $1,622Unused loan commitments
  • $1,622Tier 1 (core) risk-based capital
  • $13,670Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $15,900Restructured Loans and leases
  • $383Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,552Total interest income
  • $2,054Total interest expense
  • $4,498Net interest income
  • $0Provision for loan and lease losses
  • $709Total noninterest income
  • $59Fiduciary activities
  • $153Service charges on deposit accounts
  • $0Trading account gains & fees
  • $497Additional noninterest income
  • $3,308Total noninterest expense
  • $2,118Salaries and employee benefits
  • $343Premises and equipment expense
  • $847Additional noninterest expense
  • $1,899Pre-tax net operating income
  • $120Securities gains (losses)
  • $454Applicable income taxes
  • $1,565Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,565Net income attributable to bank
  • $0Net charge-offs
  • $1,565Cash dividends
  • -$64Sale, conversion, retirement of capital stock, net
  • $381Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.20%Yield on earning assets
  • 1.32%Cost of funding earning assets
  • 2.89%Net interest margin
  • 0.45%Noninterest income to earning assets
  • 2.12%Noninterest expense to earning assets
  • 0.85%Net operating income to assets
  • 0.91%Return on assets (ROA)
  • 1.17%Pretax return on assets
  • 10.33%Return on equity (ROE)
  • 7.82%Retained earnings to average equity (YTD only)
  • -0.08%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 63,530Assets per employee
  • 4.86%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 24.35%Loss allowance to loans
  • 0.71%Loss allowance to noncurrent loans
  • 124.39%Noncurrent assets plus other real estate owned to assets
  • 0.31%Noncurrent loans to loans
  • 0.57%Net loans and leases to deposits
  • 52.89%Net loans and leases to core deposits
  • 55.56%Equity capital to assets
  • 9.08%Core capital (leverage) ratio
  • 7.88%Tier 1 risk-based capital ratio
  • 12.21%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $172,897Average earning assets
  • $15,146Average equity
  • $155,845Average 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
  • $53,351Managed Assets
  • 1Number of Accounts
  • $12,132Personal trust and agency accounts
  • $8,810Employee benefit-defined contribution accounts
  • $3,322Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 457Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $41,219Other retirement accounts
  • $9,120Corporate trust and agency accounts
  • $1,932Other fiduciary accounts
  • $30,167Fiduciary accounts held in foreign offices

List of branches

  • 3 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06668State Bank Of Graymont204 Main Street, Graymont, IL 61743January 01, 1913Full Service Brick and Mortar
    1222396Chenoa Branch314 Crittenden, Chenoa, IL 61726November 29, 1997Full Service Brick and Mortar
    2222397Pontiac Branch1100 West Howard Street, Pontiac, IL 61764Febuary 25, 1999Full Service Brick and Mortar

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