State Bank of Lincoln in city_name, state_name - Detailed Financial Reports, Location

State Bank of Lincoln in Lincoln, Illinois (IL)
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State Bank of Lincoln routing number info

State Bank of Lincoln - Overview

General
FDIC Certificate #: 12396
Status: Active
Federal Reserve ID: 490535
Bank Holding Company (Regulatory Top Holder): Lincoln S.B. Corp. (RSSDID: 1204775, Location: Lincoln, IL)
Date Established: January 16, 1904
WWW: http://www.sblincoln.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 7 (Domestic: 7, Interstate: No)
FDIC's unique #: 7884
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: Yes
Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: July 02, 2009
Last Structure Change Process Date: July 06, 2009
Last Data Update: July 06, 2009
Data Source Date: April 05, 2012
Location
Address: 508 Broadway, Lincoln, IL 62656
County: Logan
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): Lincoln, IL (#30660)
CBSA Micro Statistical Area: Yes
History of Changes
Participated in FDIC Assisted Absorption/Consolidation/Merger
Corrections
Financial Summary
Total assets: $328.5 mil
Equity capital: $33.0 mil
Deposits held in domestic offices: $292.1 mil
Return on assets (ROA): 2.25% ($7.4 mil)
Quarterly return on assets: 2.80% ($9.2 mil)
Return on Equity (ROE): 24.77% ($8.2 mil)
Quarterly return on equity: 28.66% ($9.5 mil)
Net income: $7.3 mil
Quarterly Net income: $2.3 mil
Pretax return on assets: 2.27% ($7,456.5 mil)
Quarterly Pretax return on assets: 2.82% ($9,263.1 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
94Total employees (full-time equivalent)
$328,478Total assets
$39,398Cash and due from depository institutions
$27,958Interest-bearing balances
$148,179Securities
$0Federal funds sold & reverse repurchase agreements
$128,092Net loans & leases
$2,653Loan loss allowance
$0Trading account assets
$2,234Bank premises and fixed assets
$934Other real estate owned
$3,939Goodwill and other intangibles
$328,478Life insurance assets
$5,702All other assets
$295,437Total liabilities and capital
$292,066Total liabilities
$226,601Total deposits
$292,066Interest-bearing deposits
$83Deposits held in domestic offices
2263.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$1,108Subordinated debt
$33,041All other liabilities
$33,041Total equity capital
$33,041Total bank equity capital
$0Perpetual preferred stock
$1,300Common stock
$8,700Surplus
$23,041Undivided profits
Memoranda
$0Noncurrent loans and leases
$4,068Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$5,439Income earned, not collected on loans
$45Earning assets
$2,536Long-term assets (5+ years)
$304,229Average Assets, year-to-date
$116,361Average Assets, quarterly
$324,041Volatile liabilities
$324,663Insider loans
$163,559FHLB advances
$316,521Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$26,923Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$42,873Restructured Loans and leases
$152Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$12,749Total interest income
$2,183Total interest expense
$10,566Net interest income
$570Provision for loan and lease losses
$9,683Total noninterest income
$418Fiduciary activities
$1,036Service charges on deposit accounts
$0Trading account gains & fees
$8,229Additional noninterest income
$12,508Total noninterest expense
$4,820Salaries and employee benefits
$1,122Premises and equipment expense
$6,566Additional noninterest expense
$7,171Pre-tax net operating income
$177Securities gains (losses)
$62Applicable income taxes
$7,286Income before extraordinary items
$0Extraordinary gains - net
$7,286Net income attributable to bank
$0Net charge-offs
$7,286Cash dividends
$503Sale, conversion, retirement of capital stock, net
$4,218Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.23%Yield on earning assets
0.72%Cost of funding earning assets
3.51%Net interest margin
3.21%Noninterest income to earning assets
4.15%Noninterest expense to earning assets
2.19%Net operating income to assets
2.25%Return on assets (ROA)
2.27%Pretax return on assets
24.77%Return on equity (ROE)
10.43%Retained earnings to average equity (YTD only)
0.38%Net charge-offs to loans
113.32%Credit loss provision to net charge-offs
15.39%Efficiency ratio
60,887Assets per employee
3.49%Cash dividends to net income (YTD only)
Condition Ratios (%)
57.89%Loss allowance to loans
2.03%Loss allowance to noncurrent loans
48.78%Noncurrent assets plus other real estate owned to assets
1.94%Noncurrent loans to loans
4.16%Net loans and leases to deposits
43.86%Net loans and leases to core deposits
47.80%Equity capital to assets
10.06%Core capital (leverage) ratio
8.51%Tier 1 risk-based capital ratio
16.46%Total risk-based capital ratio
Memoranda
$18Average assets
$324,041Average earning assets
$29,412Average equity
$301,425Average 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
$112,944Managed Assets
1Number of Accounts
$111,964Personal trust and agency accounts
$32,601Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$681Corporate trust and agency accounts
$0Investment management agency accounts
$78,682Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
120Number of Accounts
$0Personal trust and agency accounts
$681Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$980Other retirement accounts
$545Corporate trust and agency accounts
$0Other fiduciary accounts
$435Fiduciary accounts held in foreign offices

List of branches

7 Illinois Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	7884	State Bank Of Lincoln	508 Broadway, Lincoln, IL 62656	January 16, 1904	Full Service Brick and Mortar
1	227049	West Facility	818 Woodlawn Rd, Lincoln, IL 62656	September 10, 1979	Limited Service Facility
2	6682	Cornland Branch	Main Street, Cornland, IL 62519	January 01, 1920	Full Service Brick and Mortar
3	265211	Lincoln Branch	111 North Sangamon Street, Lincoln, IL 62656	January 01, 1913	Full Service Brick and Mortar
5	466301	Walmart Facility Branch	825 Malerich Drive, Lincoln, IL 62656	March 14, 2007	Full Service Retail
6	7683	John Warner Bank Branch	301 South Side Square, Clinton, IL 61727	April 11, 1867	Full Service Brick and Mortar
8	226330	John Warner Bank Iga Branch	220 East Van Buren Street, Clinton, IL 61727	November 01, 1996	Full Service Retail

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

State Bank of Lincoln - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

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

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

State Bank of Lincoln - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

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

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