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

State Bank of Speer - Overview

  • General
  • FDIC Certificate #: 10825
    Status: Active
    Federal Reserve ID: 250047
    Bank Holding Company (Regulatory Top Holder): Speer Bancshares, Inc. (RSSDID: 3033830, Location: Speer, IL)
    Date Established: April 16, 1902
    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 #: 6926
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    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: 14 Main Street, Speer, IL 61479
    County: Stark
    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
    Combined Statistical Area (CSA): Peoria-Canton, IL (#426)
    Core Based Statistical Area (CBSA): Peoria, IL (#37900)
    CBSA Metro Statistical Area: Peoria, IL (#37900)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $160.9 mil
    Equity capital: $13.2 mil
    Deposits held in domestic offices: $132.7 mil
    Return on assets (ROA): 0.92% ($1.5 mil)
    Quarterly return on assets: 0.40% ($0.6 mil)
    Return on Equity (ROE): 11.85% ($1.5 mil)
    Quarterly return on equity: 5.09% ($0.7 mil)
    Net income: $1.5 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.92% ($1,480.0 mil)
    Quarterly Pretax return on assets: 0.40% ($643.5 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
  • 27Total employees (full-time equivalent)
  • $160,870Total assets
  • $13,856Cash and due from depository institutions
  • $16Interest-bearing balances
  • $63,158Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $76,606Net loans & leases
  • $928Loan loss allowance
  • $0Trading account assets
  • $2,516Bank premises and fixed assets
  • $75Other real estate owned
  • $0Goodwill and other intangibles
  • $160,870Life insurance assets
  • $4,659All other assets
  • $147,713Total liabilities and capital
  • $132,656Total liabilities
  • $116,726Total deposits
  • $132,656Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 5887.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $8,500Trading liabilities
  • $0Other borrowed funds
  • $670Subordinated debt
  • $13,157All other liabilities
  • $13,157Total equity capital
  • $13,157Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $1,400Surplus
  • $11,657Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $161Income earned, not collected on loans
  • $0Earning assets
  • $1,149Long-term assets (5+ years)
  • $139,780Average Assets, year-to-date
  • $61,552Average Assets, quarterly
  • $158,883Volatile liabilities
  • $166,333Insider loans
  • $97,972FHLB advances
  • $166,349Loans and leases held for sale
  • $2,425Unused loan commitments
  • $2,425Tier 1 (core) risk-based capital
  • $11,060Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $24,522Restructured Loans and leases
  • $1,238Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,134Total interest income
  • $1,665Total interest expense
  • $4,469Net interest income
  • $360Provision for loan and lease losses
  • $537Total noninterest income
  • $0Fiduciary activities
  • $148Service charges on deposit accounts
  • $0Trading account gains & fees
  • $389Additional noninterest income
  • $3,192Total noninterest expense
  • $1,636Salaries and employee benefits
  • $488Premises and equipment expense
  • $1,068Additional noninterest expense
  • $1,454Pre-tax net operating income
  • $3Securities gains (losses)
  • $0Applicable income taxes
  • $1,457Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,457Net income attributable to bank
  • $0Net charge-offs
  • $1,457Cash dividends
  • $386Sale, conversion, retirement of capital stock, net
  • $663Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.43%Yield on earning assets
  • 1.20%Cost of funding earning assets
  • 3.23%Net interest margin
  • 0.39%Noninterest income to earning assets
  • 2.30%Noninterest expense to earning assets
  • 0.92%Net operating income to assets
  • 0.92%Return on assets (ROA)
  • 0.92%Pretax return on assets
  • 11.85%Return on equity (ROE)
  • 6.46%Retained earnings to average equity (YTD only)
  • 0.49%Net charge-offs to loans
  • 93.26%Credit loss provision to net charge-offs
  • 4.70%Efficiency ratio
  • 63,763Assets per employee
  • 5.96%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 45.50%Loss allowance to loans
  • 1.20%Loss allowance to noncurrent loans
  • 576.40%Noncurrent assets plus other real estate owned to assets
  • 0.15%Noncurrent loans to loans
  • 0.21%Net loans and leases to deposits
  • 57.75%Net loans and leases to core deposits
  • 59.70%Equity capital to assets
  • 8.18%Core capital (leverage) ratio
  • 6.65%Tier 1 risk-based capital ratio
  • 11.29%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $158,883Average earning assets
  • $12,294Average equity
  • $138,502Average loans

List of branches

  • 2 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06926State Bank Of Speer14 Main Street, Speer, IL 61479April 16, 1902Full Service Brick and Mortar
    1365587Peoria Branch7620 North University Street, Peoria, IL 61614October 04, 2002Full Service Brick and Mortar

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