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

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
    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
  • 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
  • NoIDNameAddressEstablishedService TypeMap
    07884State Bank Of Lincoln508 Broadway, Lincoln, IL 62656January 16, 1904Full Service Brick and Mortar
    1227049West Facility818 Woodlawn Rd, Lincoln, IL 62656September 10, 1979Limited Service Facility
    26682Cornland BranchMain Street, Cornland, IL 62519January 01, 1920Full Service Brick and Mortar
    3265211Lincoln Branch111 North Sangamon Street, Lincoln, IL 62656January 01, 1913Full Service Brick and Mortar
    5466301Walmart Facility Branch825 Malerich Drive, Lincoln, IL 62656March 14, 2007Full Service Retail
    67683John Warner Bank Branch301 South Side Square, Clinton, IL 61727April 11, 1867Full Service Brick and Mortar
    8226330John Warner Bank Iga Branch220 East Van Buren Street, Clinton, IL 61727November 01, 1996Full Service Retail

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