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

State Bank of Waterloo - Overview

  • General
  • FDIC Certificate #: 12706
    Status: Active
    Federal Reserve ID: 266244
    Bank Holding Company (Regulatory Top Holder): Sbw Bancshares, Inc. (RSSDID: 3939473, Location: Waterloo, IL)
    Date Established: January 04, 1894
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 11093
    FDIC's unique #: 8059
    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: 855 North Illinois Route 3, Waterloo, IL 62298
    County: Monroe
    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
    Metropolitan Statistical Area (MSA): St. Louis, MO-IL (#7040)
    Combined Statistical Area (CSA): St. Louis-St. Charles-Farmington, MO-IL (#476)
    Core Based Statistical Area (CBSA): St. Louis, MO-IL (#41180)
    CBSA Metro Statistical Area: St. Louis, MO-IL (#41180)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $128.6 mil
    Equity capital: $12.6 mil
    Deposits held in domestic offices: $110.5 mil
    Return on assets (ROA): 0.79% ($1.0 mil)
    Quarterly return on assets: 0.77% ($1.0 mil)
    Return on Equity (ROE): 8.71% ($1.1 mil)
    Quarterly return on equity: 7.91% ($1.0 mil)
    Net income: $1.0 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.04% ($1,337.9 mil)
    Quarterly Pretax return on assets: 0.97% ($1,247.9 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
  • 26Total employees (full-time equivalent)
  • $128,649Total assets
  • $10,590Cash and due from depository institutions
  • $2,982Interest-bearing balances
  • $33,850Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $76,087Net loans & leases
  • $1,320Loan loss allowance
  • $0Trading account assets
  • $3,239Bank premises and fixed assets
  • $494Other real estate owned
  • $0Goodwill and other intangibles
  • $128,649Life insurance assets
  • $4,389All other assets
  • $116,061Total liabilities and capital
  • $110,467Total liabilities
  • $99,875Total deposits
  • $110,467Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 1491.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $3,400Trading liabilities
  • $0Other borrowed funds
  • $703Subordinated debt
  • $12,588All other liabilities
  • $12,588Total equity capital
  • $12,588Total bank equity capital
  • $0Perpetual preferred stock
  • $231Common stock
  • $1,731Surplus
  • $10,626Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,007Income earned, not collected on loans
  • $0Earning assets
  • $590Long-term assets (5+ years)
  • $112,919Average Assets, year-to-date
  • $32,961Average Assets, quarterly
  • $129,343Volatile liabilities
  • $129,004Insider loans
  • $84,878FHLB advances
  • $128,571Loans and leases held for sale
  • $2,306Unused loan commitments
  • $2,306Tier 1 (core) risk-based capital
  • $12,215Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $4,403Restructured Loans and leases
  • $481Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,742Total interest income
  • $2,205Total interest expense
  • $3,537Net interest income
  • $165Provision for loan and lease losses
  • $954Total noninterest income
  • $0Fiduciary activities
  • $290Service charges on deposit accounts
  • $0Trading account gains & fees
  • $664Additional noninterest income
  • $3,032Total noninterest expense
  • $1,613Salaries and employee benefits
  • $623Premises and equipment expense
  • $796Additional noninterest expense
  • $1,294Pre-tax net operating income
  • $56Securities gains (losses)
  • $325Applicable income taxes
  • $1,025Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,025Net income attributable to bank
  • $0Net charge-offs
  • $1,025Cash dividends
  • $235Sale, conversion, retirement of capital stock, net
  • $140Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.95%Yield on earning assets
  • 1.90%Cost of funding earning assets
  • 3.05%Net interest margin
  • 0.82%Noninterest income to earning assets
  • 2.61%Noninterest expense to earning assets
  • 0.76%Net operating income to assets
  • 0.79%Return on assets (ROA)
  • 1.04%Pretax return on assets
  • 8.71%Return on equity (ROE)
  • 7.52%Retained earnings to average equity (YTD only)
  • 0.28%Net charge-offs to loans
  • 70.21%Credit loss provision to net charge-offs
  • 6.21%Efficiency ratio
  • 67,513Assets per employee
  • 4.95%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 13.66%Loss allowance to loans
  • 1.71%Loss allowance to noncurrent loans
  • 32.94%Noncurrent assets plus other real estate owned to assets
  • 3.50%Noncurrent loans to loans
  • 5.18%Net loans and leases to deposits
  • 68.88%Net loans and leases to core deposits
  • 71.08%Equity capital to assets
  • 9.78%Core capital (leverage) ratio
  • 9.50%Tier 1 risk-based capital ratio
  • 14.39%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $129,343Average earning assets
  • $11,769Average equity
  • $115,951Average loans

List of branches

  • 3 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08059State Bank Of Waterloo855 North Illinois Route 3, Waterloo, IL 62298January 04, 1894Full Service Brick and Mortar
    1227809Waterloo Branch501 North Market Street, Waterloo, IL 62298June 03, 1991Full Service Brick and Mortar
    2468313Valmeyer Branch259 Knobloch Boulevard, Valmeyer, IL 62295September 17, 2007Full Service Brick and Mortar

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