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


State Bank of Nauvoo - Overview

  • General
  • FDIC Certificate #: 13582
    Status: Active
    Federal Reserve ID: 783349
    Date Established: January 17, 1893
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 8491
    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: No
    Asset Concentration Hierarchy: Consumer Lending Specialization
    Date of Deposit Insurance: January 08, 1934
    Last Structure Change Effective Date: November 28, 2008
    Last Structure Change Process Date: December 02, 2008
    Last Data Update: December 02, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 1205 Mulholland Street, Nauvoo, IL 62354
    County: Hancock
    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
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $30.9 mil
    Equity capital: $2.6 mil
    Deposits held in domestic offices: $28.2 mil
    Return on assets (ROA): -0.75% (-$0.2 mil)
    Quarterly return on assets: -3.88% (-$1.2 mil)
    Return on Equity (ROE): -7.90% (-$0.2 mil)
    Quarterly return on equity: -43.45% (-$1.3 mil)
    Net income: -$0.2 mil
    Quarterly Net income: -$0.3 mil
    Pretax return on assets: -0.74% (-$228.6 mil)
    Quarterly Pretax return on assets: -3.94% (-$1,217.4 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
  • 9Total employees (full-time equivalent)
  • $30,898Total assets
  • $1,847Cash and due from depository institutions
  • $896Interest-bearing balances
  • $2,199Securities
  • $1,320Federal funds sold & reverse repurchase agreements
  • $22,974Net loans & leases
  • $251Loan loss allowance
  • $0Trading account assets
  • $1,801Bank premises and fixed assets
  • $252Other real estate owned
  • $0Goodwill and other intangibles
  • $30,898Life insurance assets
  • $505All other assets
  • $28,294Total liabilities and capital
  • $28,236Total liabilities
  • $21,456Total deposits
  • $28,236Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $58Subordinated debt
  • $2,604All other liabilities
  • $2,604Total equity capital
  • $2,604Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $1,000Surplus
  • $1,504Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $239Income earned, not collected on loans
  • $0Earning assets
  • $194Long-term assets (5+ years)
  • $27,389Average Assets, year-to-date
  • $3,900Average Assets, quarterly
  • $29,702Volatile liabilities
  • $30,890Insider loans
  • $20,322FHLB advances
  • $30,559Loans and leases held for sale
  • $36Unused loan commitments
  • $36Tier 1 (core) risk-based capital
  • $2,604Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $410Restructured Loans and leases
  • $92Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,432Total interest income
  • $320Total interest expense
  • $1,112Net interest income
  • $118Provision for loan and lease losses
  • $110Total noninterest income
  • $0Fiduciary activities
  • $75Service charges on deposit accounts
  • $0Trading account gains & fees
  • $35Additional noninterest income
  • $1,325Total noninterest expense
  • $716Salaries and employee benefits
  • $179Premises and equipment expense
  • $430Additional noninterest expense
  • -$221Pre-tax net operating income
  • $0Securities gains (losses)
  • $2Applicable income taxes
  • -$223Income before extraordinary items
  • $0Extraordinary gains - net
  • -$223Net income attributable to bank
  • $0Net charge-offs
  • -$223Cash dividends
  • $2Sale, conversion, retirement of capital stock, net
  • $15Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.49%Yield on earning assets
  • 1.23%Cost of funding earning assets
  • 4.26%Net interest margin
  • 0.42%Noninterest income to earning assets
  • 5.08%Noninterest expense to earning assets
  • -0.75%Net operating income to assets
  • -0.75%Return on assets (ROA)
  • -0.74%Pretax return on assets
  • -7.90%Return on equity (ROE)
  • -8.43%Retained earnings to average equity (YTD only)
  • 0.01%Net charge-offs to loans
  • 5900.00%Credit loss provision to net charge-offs
  • -51.50%Efficiency ratio
  • 108,429Assets per employee
  • 3.43%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • -6.73%Loss allowance to loans
  • 1.08%Loss allowance to noncurrent loans
  • 105.02%Noncurrent assets plus other real estate owned to assets
  • 1.59%Noncurrent loans to loans
  • 1.03%Net loans and leases to deposits
  • 81.36%Net loans and leases to core deposits
  • 82.24%Equity capital to assets
  • 8.43%Core capital (leverage) ratio
  • 8.52%Tier 1 risk-based capital ratio
  • 12.81%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $29,702Average earning assets
  • $2,823Average equity
  • $26,091Average loans

List of branches

  • 2 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08491State Bank Of Nauvoo1205 Mulholland Street, Nauvoo, IL 62354January 17, 1893Full Service Brick and Mortar
    1229689Niota FacilityIllinois Route 96, Niota, IL 62358April 23, 1982Full Service Brick and Mortar

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