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
    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

Comment about this bank, ask questions, or add new information about it:

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with State Bank of Industry.
Based on public records. Inadvertent errors are possible. does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents