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

State Bank of Toulon - Overview

  • General
  • FDIC Certificate #: 12386
    Status: Active
    Federal Reserve ID: 535940
    Bank Holding Company (Regulatory Top Holder): Stark County Bancorp, Inc. (RSSDID: 1245769, Location: Toulon, IL)
    Date Established: June 20, 1903
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 7876
    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: 102 West Main Street, Toulon, IL 61483
    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: $185.1 mil
    Equity capital: $17.8 mil
    Deposits held in domestic offices: $156.1 mil
    Return on assets (ROA): 1.19% ($2.2 mil)
    Quarterly return on assets: 0.55% ($1.0 mil)
    Return on Equity (ROE): 12.71% ($2.3 mil)
    Quarterly return on equity: 5.59% ($1.0 mil)
    Net income: $2.1 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.21% ($2,239.9 mil)
    Quarterly Pretax return on assets: 0.57% ($1,055.1 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
  • 39Total employees (full-time equivalent)
  • $185,113Total assets
  • $5,402Cash and due from depository institutions
  • $23Interest-bearing balances
  • $72,157Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $96,643Net loans & leases
  • $1,730Loan loss allowance
  • $0Trading account assets
  • $1,819Bank premises and fixed assets
  • $211Other real estate owned
  • $3,026Goodwill and other intangibles
  • $185,113Life insurance assets
  • $5,855All other assets
  • $167,351Total liabilities and capital
  • $156,145Total liabilities
  • $143,983Total deposits
  • $156,145Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 7495.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $3,100Trading liabilities
  • $0Other borrowed funds
  • $611Subordinated debt
  • $17,762All other liabilities
  • $17,762Total equity capital
  • $17,762Total bank equity capital
  • $0Perpetual preferred stock
  • $600Common stock
  • $6,935Surplus
  • $10,227Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $581Income earned, not collected on loans
  • $0Earning assets
  • $1,961Long-term assets (5+ years)
  • $168,823Average Assets, year-to-date
  • $73,849Average Assets, quarterly
  • $178,028Volatile liabilities
  • $182,501Insider loans
  • $113,017FHLB advances
  • $178,658Loans and leases held for sale
  • $2,806Unused loan commitments
  • $2,806Tier 1 (core) risk-based capital
  • $13,631Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $10,545Restructured Loans and leases
  • $1,369Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,482Total interest income
  • $1,520Total interest expense
  • $5,962Net interest income
  • $550Provision for loan and lease losses
  • $656Total noninterest income
  • $0Fiduciary activities
  • $319Service charges on deposit accounts
  • $0Trading account gains & fees
  • $337Additional noninterest income
  • $4,377Total noninterest expense
  • $2,372Salaries and employee benefits
  • $445Premises and equipment expense
  • $1,560Additional noninterest expense
  • $1,691Pre-tax net operating income
  • $463Securities gains (losses)
  • $27Applicable income taxes
  • $2,127Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,127Net income attributable to bank
  • $0Net charge-offs
  • $2,127Cash dividends
  • $456Sale, conversion, retirement of capital stock, net
  • $529Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.58%Yield on earning assets
  • 0.93%Cost of funding earning assets
  • 3.65%Net interest margin
  • 0.40%Noninterest income to earning assets
  • 2.68%Noninterest expense to earning assets
  • 0.94%Net operating income to assets
  • 1.19%Return on assets (ROA)
  • 1.21%Pretax return on assets
  • 12.71%Return on equity (ROE)
  • 9.55%Retained earnings to average equity (YTD only)
  • 0.49%Net charge-offs to loans
  • 120.61%Credit loss provision to net charge-offs
  • 4.91%Efficiency ratio
  • 66,138Assets per employee
  • 4.75%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 24.87%Loss allowance to loans
  • 1.76%Loss allowance to noncurrent loans
  • 297.76%Noncurrent assets plus other real estate owned to assets
  • 0.43%Noncurrent loans to loans
  • 0.59%Net loans and leases to deposits
  • 61.89%Net loans and leases to core deposits
  • 69.12%Equity capital to assets
  • 9.60%Core capital (leverage) ratio
  • 7.63%Tier 1 risk-based capital ratio
  • 12.06%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $178,028Average earning assets
  • $16,737Average equity
  • $163,350Average loans

List of branches

  • 3 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07876State Bank Of Toulon102 West Main Street, Toulon, IL 61483June 20, 1903Full Service Brick and Mortar
    19007Galva Facility112 North Exchange Street, Galva, IL 61434May 26, 1934Full Service Brick and Mortar
    2227034Kewanee Branch635 South Tenney Street, Kewanee, IL 61443September 19, 1997Full Service Brick and Mortar

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