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


State Bank of Paw Paw, Illinois - Overview

  • General
  • FDIC Certificate #: 11726
    Status: Active
    Federal Reserve ID: 861742
    Bank Holding Company (Regulatory Top Holder): Nbe Bancshares, Inc (RSSDID: 1207178, Location: Earlville, IL)
    Date Established: June 30, 1901
    WWW: http://www.sbppil.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)
    OTS Docket #: 13220
    FDIC's unique #: 7499
    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: All Other Specialization < 1 Billion
    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: 235 Chicago Road, Paw Paw, IL 61353
    County: Lee
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Princeton
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Core Based Statistical Area (CBSA): Dixon, IL (#19940)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $27.2 mil
    Equity capital: $4.9 mil
    Deposits held in domestic offices: $20.1 mil
    Return on assets (ROA): -2.00% (-$0.5 mil)
    Quarterly return on assets: -1.32% (-$0.4 mil)
    Return on Equity (ROE): -10.88% (-$0.5 mil)
    Quarterly return on equity: -7.32% (-$0.4 mil)
    Net income: -$0.6 mil
    Quarterly Net income: -$0.1 mil
    Pretax return on assets: -3.04% (-$826.0 mil)
    Quarterly Pretax return on assets: -2.27% (-$616.8 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
  • 9Total employees (full-time equivalent)
  • $27,172Total assets
  • $2,259Cash and due from depository institutions
  • $312Interest-bearing balances
  • $3,823Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $17,338Net loans & leases
  • $282Loan loss allowance
  • $0Trading account assets
  • $339Bank premises and fixed assets
  • $1,772Other real estate owned
  • $79Goodwill and other intangibles
  • $27,172Life insurance assets
  • $1,562All other assets
  • $22,237Total liabilities and capital
  • $20,098Total liabilities
  • $16,368Total deposits
  • $20,098Interest-bearing deposits
  • $100Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,000Trading liabilities
  • $0Other borrowed funds
  • $139Subordinated debt
  • $4,935All other liabilities
  • $4,935Total equity capital
  • $4,935Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $1,917Surplus
  • $2,818Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $5,038Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,942Income earned, not collected on loans
  • $0Earning assets
  • $218Long-term assets (5+ years)
  • $21,473Average Assets, year-to-date
  • $2,789Average Assets, quarterly
  • $27,540Volatile liabilities
  • $27,669Insider loans
  • $19,556FHLB advances
  • $26,265Loans and leases held for sale
  • $387Unused loan commitments
  • $387Tier 1 (core) risk-based capital
  • $4,743Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $850Restructured Loans and leases
  • $103Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,175Total interest income
  • $170Total interest expense
  • $1,005Net interest income
  • $529Provision for loan and lease losses
  • $72Total noninterest income
  • $0Fiduciary activities
  • $27Service charges on deposit accounts
  • $0Trading account gains & fees
  • $45Additional noninterest income
  • $1,386Total noninterest expense
  • $501Salaries and employee benefits
  • $135Premises and equipment expense
  • $750Additional noninterest expense
  • -$838Pre-tax net operating income
  • $0Securities gains (losses)
  • -$286Applicable income taxes
  • -$552Income before extraordinary items
  • $0Extraordinary gains - net
  • -$552Net income attributable to bank
  • $0Net charge-offs
  • -$552Cash dividends
  • $884Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.13%Yield on earning assets
  • 0.74%Cost of funding earning assets
  • 4.39%Net interest margin
  • 0.31%Noninterest income to earning assets
  • 6.05%Noninterest expense to earning assets
  • -2.00%Net operating income to assets
  • -2.00%Return on assets (ROA)
  • -3.04%Pretax return on assets
  • -10.88%Return on equity (ROE)
  • -10.88%Retained earnings to average equity (YTD only)
  • 4.85%Net charge-offs to loans
  • 59.84%Credit loss provision to net charge-offs
  • -0.35%Efficiency ratio
  • 128,691Assets per employee
  • 3.02%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.60%Loss allowance to noncurrent loans
  • 14.52%Noncurrent assets plus other real estate owned to assets
  • 13.67%Noncurrent loans to loans
  • 11.02%Net loans and leases to deposits
  • 86.27%Net loans and leases to core deposits
  • 87.13%Equity capital to assets
  • 18.16%Core capital (leverage) ratio
  • 18.06%Tier 1 risk-based capital ratio
  • 24.25%Total risk-based capital ratio
  • Memoranda
  • $26Average assets
  • $27,540Average earning assets
  • $5,073Average equity
  • $22,903Average loans

List of branches

  • 1 Illinois Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07499State Bank Of Paw Paw, Illinois235 Chicago Road, Paw Paw, IL 61353June 30, 1901Full Service Brick and Mortar

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