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


State Bank of Industry - Overview

  • General
  • FDIC Certificate #: 10820
    Status: Active
    Federal Reserve ID: 944935
    Date Established: March 25, 1901
    WWW: http://www.statebankofindustry.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 #: 6923
    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: 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
  • Location
  • Address: 101 W. Main Street, Industry, IL 61440
    County: Mcdonough
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Springfield Il
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Core Based Statistical Area (CBSA): Macomb, IL (#31380)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Location
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $42.8 mil
    Equity capital: $5.4 mil
    Deposits held in domestic offices: $37.1 mil
    Return on assets (ROA): 1.13% ($0.5 mil)
    Quarterly return on assets: 1.15% ($0.5 mil)
    Return on Equity (ROE): 8.87% ($0.4 mil)
    Quarterly return on equity: 8.79% ($0.4 mil)
    Net income: $0.5 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.14% ($488.1 mil)
    Quarterly Pretax return on assets: 1.20% ($513.8 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
  • 8Total employees (full-time equivalent)
  • $42,814Total assets
  • $3,370Cash and due from depository institutions
  • $630Interest-bearing balances
  • $9,914Securities
  • $2,850Federal funds sold & reverse repurchase agreements
  • $25,796Net loans & leases
  • $237Loan loss allowance
  • $0Trading account assets
  • $158Bank premises and fixed assets
  • $80Other real estate owned
  • $0Goodwill and other intangibles
  • $42,814Life insurance assets
  • $646All other assets
  • $37,373Total liabilities and capital
  • $37,082Total liabilities
  • $33,677Total deposits
  • $37,082Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $291Subordinated debt
  • $5,441All other liabilities
  • $5,441Total equity capital
  • $5,441Total bank equity capital
  • $0Perpetual preferred stock
  • $400Common stock
  • $400Surplus
  • $4,641Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $365Income earned, not collected on loans
  • $0Earning assets
  • $332Long-term assets (5+ years)
  • $39,190Average Assets, year-to-date
  • $3,522Average Assets, quarterly
  • $41,073Volatile liabilities
  • $41,287Insider loans
  • $27,708FHLB advances
  • $41,319Loans and leases held for sale
  • $212Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $5,217Tier 2 risk-based capital
  • $212Total risk weighted assets
  • $0Total unused commitments
  • $2,586Restructured Loans and leases
  • $348Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,889Total interest income
  • $378Total interest expense
  • $1,511Net interest income
  • $315Provision for loan and lease losses
  • $196Total noninterest income
  • $0Fiduciary activities
  • $92Service charges on deposit accounts
  • $0Trading account gains & fees
  • $104Additional noninterest income
  • $922Total noninterest expense
  • $471Salaries and employee benefits
  • $151Premises and equipment expense
  • $300Additional noninterest expense
  • $470Pre-tax net operating income
  • $0Securities gains (losses)
  • $4Applicable income taxes
  • $466Income before extraordinary items
  • $0Extraordinary gains - net
  • $466Net income attributable to bank
  • $0Net charge-offs
  • $466Cash dividends
  • $250Sale, conversion, retirement of capital stock, net
  • $260Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.00%Yield on earning assets
  • 1.00%Cost of funding earning assets
  • 4.00%Net interest margin
  • 0.52%Noninterest income to earning assets
  • 2.44%Noninterest expense to earning assets
  • 1.13%Net operating income to assets
  • 1.13%Return on assets (ROA)
  • 1.14%Pretax return on assets
  • 8.87%Return on equity (ROE)
  • 3.92%Retained earnings to average equity (YTD only)
  • 0.95%Net charge-offs to loans
  • 126.00%Credit loss provision to net charge-offs
  • 3.14%Efficiency ratio
  • 54,013Assets per employee
  • 5.35%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 55.79%Loss allowance to loans
  • 0.91%Loss allowance to noncurrent loans
  • 64.93%Noncurrent assets plus other real estate owned to assets
  • 1.04%Noncurrent loans to loans
  • 1.40%Net loans and leases to deposits
  • 69.56%Net loans and leases to core deposits
  • 73.92%Equity capital to assets
  • 12.71%Core capital (leverage) ratio
  • 12.63%Tier 1 risk-based capital ratio
  • 18.83%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $41,073Average earning assets
  • $5,254Average equity
  • $37,759Average loans

List of branches

  • 1 Illinois Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06923State Bank Of Industry101 W. Main Street, Industry, IL 61440March 25, 1901Full Service Brick and Mortar

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