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

This bank is inactive as of October 09, 2000

  • State Financial Bank in Richmond, Illinois (IL)
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State Financial Bank - Overview

  • General
  • FDIC Certificate #: 10461
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: State Financial Bank, National Association (#3753)
    Federal Reserve ID: 750145
    Date Established: January 01, 1921
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Interstate: No)
    OTS Docket #: 16069
    FDIC's unique #: 6691
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: October 09, 2000
    Last Structure Change Process Date: December 08, 2000
    Last Data Update: December 08, 2000
    Data Source Date: April 05, 2012
  • Location
  • Address: 10910 Main Street, Richmond, IL 60071
    County: Mchenry
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Chicago
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Chicago, IL (#1600)
    Consolidated Metropolitan Statistical Area (CMSA): Chicago-Gary-Kenosha, IL-IN-WI (#14)
    Combined Statistical Area (CSA): Chicago-Naperville-Michigan City, IL-IN-WI (#176)
    Core Based Statistical Area (CBSA): Chicago-Joliet-Naperville, IL-IN-WI (#16980)
    CBSA Metro Statistical Area: Chicago-Joliet-Naperville, IL-IN-WI (#16980)
    Core Based Statistical Division: Chicago-Joliet-Naperville, IL (#16974)
  • Financial Summary
  • Total assets: $69.0 mil

1992 - 1999 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, 1999)

  • Dollar figures in thousands
  • 27Total employees (full-time equivalent)
  • $79,516Total assets
  • $5,133Cash and due from depository institutions
  • $6Interest-bearing balances
  • $22,592Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $42,783Net loans & leases
  • $768Loan loss allowance
  • $0Trading account assets
  • $2,035Bank premises and fixed assets
  • $172Other real estate owned
  • $5,417Goodwill and other intangibles
  • $0Life insurance assets
  • $1,384All other assets
  • $79,516Total liabilities and capital
  • $67,665Total liabilities
  • $60,629Total deposits
  • $52,919Interest-bearing deposits
  • $60,629Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $6,200Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $836All other liabilities
  • $11,851Total equity capital
  • $11,851Total bank equity capital
  • $11,851Perpetual preferred stock
  • $0Common stock
  • $450Surplus
  • $10,900Undivided profits
  • Memoranda
  • $501Noncurrent loans and leases
  • $15,284Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $626Earning assets
  • $0Long-term assets (5+ years)
  • $250Average Assets, year-to-date
  • $65,381Average Assets, quarterly
  • $8,065Volatile liabilities
  • $78,876Insider loans
  • $78,175FHLB advances
  • $12,510Loans and leases held for sale
  • $1,559Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $1Total risk weighted assets
  • $15,284Total unused commitments
  • $0Restructured Loans and leases
  • $661Derivatives

Income and Expense (December 31, 1999)

  • Dollar figures in thousands
  • $5,421Total interest income
  • $2,576Total interest expense
  • $2,845Net interest income
  • $240Provision for loan and lease losses
  • $749Total noninterest income
  • $0Fiduciary activities
  • $194Service charges on deposit accounts
  • $0Trading account gains & fees
  • $555Additional noninterest income
  • $3,214Total noninterest expense
  • $1,506Salaries and employee benefits
  • $434Premises and equipment expense
  • $1,274Additional noninterest expense
  • $135Pre-tax net operating income
  • $0Securities gains (losses)
  • $162Applicable income taxes
  • -$27Income before extraordinary items
  • $0Extraordinary gains - net
  • -$22Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $127Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1999)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.15%Yield on earning assets
  • 3.87%Cost of funding earning assets
  • 4.28%Net interest margin
  • 1.13%Noninterest income to earning assets
  • 4.83%Noninterest expense to earning assets
  • -0.03%Net operating income to assets
  • -0.03%Return on assets (ROA)
  • 0.18%Pretax return on assets
  • -0.18%Return on equity (ROE)
  • -0.18%Retained earnings to average equity (YTD only)
  • 0.30%Net charge-offs to loans
  • 190.48%Credit loss provision to net charge-offs
  • 2.95%Efficiency ratio
  • 77,824Assets per employee
  • 2.95%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.76%Loss allowance to noncurrent loans
  • 122.68%Noncurrent assets plus other real estate owned to assets
  • 1.00%Noncurrent loans to loans
  • 1.44%Net loans and leases to deposits
  • 70.57%Net loans and leases to core deposits
  • 78.76%Equity capital to assets
  • 14.90%Core capital (leverage) ratio
  • 9.19%Tier 1 risk-based capital ratio
  • 12.82%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $78,876Average earning assets
  • $12,015Average equity
  • $66,503Average loans

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