State Bank of Prairie du Rocher in Prairie Du Rocher, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

State Bank of Prairie du Rocher - Overview

  • General
  • FDIC Certificate #: 12117
    Status: Active
    Federal Reserve ID: 345149
    Bank Holding Company (Regulatory Top Holder): Pdr Bancshares, Inc. (RSSDID: 1097959, Location: Prairie Du Rocher, IL)
    Date Established: November 12, 1906
    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 #: 7699
    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: 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: 219 Market St, Prairie Du Rocher, IL 62277
    County: Randolph
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Mount Vernon
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
  • History of Changes
  • Corrections
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $60.3 mil
    Equity capital: $4.6 mil
    Deposits held in domestic offices: $55.2 mil
    Return on assets (ROA): 1.24% ($0.7 mil)
    Quarterly return on assets: 0.92% ($0.6 mil)
    Return on Equity (ROE): 16.17% ($0.8 mil)
    Quarterly return on equity: 11.97% ($0.6 mil)
    Net income: $0.7 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.24% ($747.1 mil)
    Quarterly Pretax return on assets: 0.92% ($554.3 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
  • 15Total employees (full-time equivalent)
  • $60,254Total assets
  • $4,355Cash and due from depository institutions
  • $3,574Interest-bearing balances
  • $16,054Securities
  • $823Federal funds sold & reverse repurchase agreements
  • $36,499Net loans & leases
  • $225Loan loss allowance
  • $0Trading account assets
  • $856Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $60,254Life insurance assets
  • $1,667All other assets
  • $55,669Total liabilities and capital
  • $55,166Total liabilities
  • $51,168Total deposits
  • $55,166Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $503Subordinated debt
  • $4,585All other liabilities
  • $4,585Total equity capital
  • $4,585Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $1,025Surplus
  • $3,460Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $130Income earned, not collected on loans
  • $0Earning assets
  • $348Long-term assets (5+ years)
  • $56,950Average Assets, year-to-date
  • $24,547Average Assets, quarterly
  • $57,808Volatile liabilities
  • $59,412Insider loans
  • $35,389FHLB advances
  • $60,162Loans and leases held for sale
  • $1,142Unused loan commitments
  • $575Tier 1 (core) risk-based capital
  • $4,585Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $567Total unused commitments
  • $849Restructured Loans and leases
  • $195Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,625Total interest income
  • $796Total interest expense
  • $1,829Net interest income
  • -$2Provision for loan and lease losses
  • $471Total noninterest income
  • $0Fiduciary activities
  • $287Service charges on deposit accounts
  • $0Trading account gains & fees
  • $184Additional noninterest income
  • $1,587Total noninterest expense
  • $961Salaries and employee benefits
  • $302Premises and equipment expense
  • $324Additional noninterest expense
  • $715Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $715Income before extraordinary items
  • $0Extraordinary gains - net
  • $715Net income attributable to bank
  • $0Net charge-offs
  • $715Cash dividends
  • $30Sale, conversion, retirement of capital stock, net
  • $365Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.83%Yield on earning assets
  • 1.47%Cost of funding earning assets
  • 3.37%Net interest margin
  • 0.87%Noninterest income to earning assets
  • 2.92%Noninterest expense to earning assets
  • 1.24%Net operating income to assets
  • 1.24%Return on assets (ROA)
  • 1.24%Pretax return on assets
  • 16.17%Return on equity (ROE)
  • 7.92%Retained earnings to average equity (YTD only)
  • 0.08%Net charge-offs to loans
  • -6.67%Credit loss provision to net charge-offs
  • 23.77%Efficiency ratio
  • 69,000Assets per employee
  • 4.02%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 51.05%Loss allowance to loans
  • 0.61%Loss allowance to noncurrent loans
  • 173.08%Noncurrent assets plus other real estate owned to assets
  • 0.22%Noncurrent loans to loans
  • 0.35%Net loans and leases to deposits
  • 66.16%Net loans and leases to core deposits
  • 68.85%Equity capital to assets
  • 7.61%Core capital (leverage) ratio
  • 7.62%Tier 1 risk-based capital ratio
  • 12.96%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $57,808Average earning assets
  • $4,421Average equity
  • $54,320Average loans

List of branches

  • 2 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07699State Bank Of Prairie Du Rocher219 Market St, Prairie Du Rocher, IL 62277November 12, 1906Full Service Brick and Mortar
    1226349Red Bud Branch1320 West Market, Red Bud, IL 62278December 06, 1999Full Service Brick and Mortar

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