Stillman BancCorp N.A. in Stillman Valley, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

Stillman BancCorp N.A. - Overview

  • General
  • FDIC Certificate #: 9263
    Status: Active
    Federal Reserve ID: 407645
    Bank Holding Company (Regulatory Top Holder): Stillman Banccorp, Inc. (RSSDID: 1210646, Location: Stillman Valley, IL)
    Date Established: June 09, 1882
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 6 (Domestic: 6, Interstate: No)
    OTS Docket #: 14586
    FDIC's unique #: 5923
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Other Specialized Lending < 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: 101 East Main Street, Stillman Valley, IL 61084
    County: Ogle
    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
    Metropolitan Statistical Area (MSA): Rockford, IL (#6880)
    Combined Statistical Area (CSA): Rockford-Freeport-Rochelle, IL (#466)
    Core Based Statistical Area (CBSA): Rochelle, IL (#40300)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $415.9 mil
    Equity capital: $42.8 mil
    Deposits held in domestic offices: $345.1 mil
    Return on assets (ROA): 0.50% ($2.1 mil)
    Quarterly return on assets: 0.72% ($3.0 mil)
    Return on Equity (ROE): 5.01% ($2.2 mil)
    Quarterly return on equity: 7.06% ($3.0 mil)
    Net income: $2.0 mil
    Quarterly Net income: $0.7 mil
    Pretax return on assets: 0.51% ($2,121.3 mil)
    Quarterly Pretax return on assets: 0.72% ($2,994.8 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
  • 105Total employees (full-time equivalent)
  • $415,949Total assets
  • $59,428Cash and due from depository institutions
  • $52,718Interest-bearing balances
  • $179,075Securities
  • $1,500Federal funds sold & reverse repurchase agreements
  • $150,208Net loans & leases
  • $2,025Loan loss allowance
  • $0Trading account assets
  • $9,897Bank premises and fixed assets
  • $3,864Other real estate owned
  • $1,646Goodwill and other intangibles
  • $415,949Life insurance assets
  • $10,331All other assets
  • $373,179Total liabilities and capital
  • $345,082Total liabilities
  • $302,750Total deposits
  • $345,082Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 20139.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $5,621Trading liabilities
  • $0Other borrowed funds
  • $2,337Subordinated debt
  • $42,770All other liabilities
  • $42,770Total equity capital
  • $42,770Total bank equity capital
  • $0Perpetual preferred stock
  • $1,680Common stock
  • $1,874Surplus
  • $39,216Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $817Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $5,735Income earned, not collected on loans
  • $0Earning assets
  • $1,951Long-term assets (5+ years)
  • $383,501Average Assets, year-to-date
  • $82,284Average Assets, quarterly
  • $399,619Volatile liabilities
  • $412,122Insider loans
  • $197,711FHLB advances
  • $415,118Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $38,073Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $31,828Restructured Loans and leases
  • $3,575Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $13,856Total interest income
  • $3,898Total interest expense
  • $9,958Net interest income
  • $440Provision for loan and lease losses
  • $3,180Total noninterest income
  • $371Fiduciary activities
  • $855Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,954Additional noninterest income
  • $10,664Total noninterest expense
  • $6,181Salaries and employee benefits
  • $1,325Premises and equipment expense
  • $3,158Additional noninterest expense
  • $2,034Pre-tax net operating income
  • $12Securities gains (losses)
  • $35Applicable income taxes
  • $2,011Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,011Net income attributable to bank
  • $0Net charge-offs
  • $2,011Cash dividends
  • $435Sale, conversion, retirement of capital stock, net
  • $1,598Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.76%Yield on earning assets
  • 1.06%Cost of funding earning assets
  • 2.70%Net interest margin
  • 0.86%Noninterest income to earning assets
  • 2.89%Noninterest expense to earning assets
  • 0.50%Net operating income to assets
  • 0.50%Return on assets (ROA)
  • 0.51%Pretax return on assets
  • 5.01%Return on equity (ROE)
  • 1.03%Retained earnings to average equity (YTD only)
  • 0.27%Net charge-offs to loans
  • 101.15%Credit loss provision to net charge-offs
  • 5.69%Efficiency ratio
  • 81,169Assets per employee
  • 3.96%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 79.46%Loss allowance to loans
  • 1.33%Loss allowance to noncurrent loans
  • 35.31%Noncurrent assets plus other real estate owned to assets
  • 2.31%Noncurrent loans to loans
  • 3.77%Net loans and leases to deposits
  • 43.53%Net loans and leases to core deposits
  • 47.85%Equity capital to assets
  • 10.28%Core capital (leverage) ratio
  • 9.17%Tier 1 risk-based capital ratio
  • 19.26%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $399,619Average earning assets
  • $40,113Average equity
  • $368,924Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $46,877Managed Assets
  • 1Number of Accounts
  • $40,628Personal trust and agency accounts
  • $10,311Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $17,395Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $10,308Other fiduciary accounts
  • $2,614Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 570Number of Accounts
  • $0Personal trust and agency accounts
  • $17,395Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $6,249Other retirement accounts
  • $1,455Corporate trust and agency accounts
  • $2,182Other fiduciary accounts
  • $2,612Fiduciary accounts held in foreign offices

List of branches

  • 6 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    05923Stillman Banccorp N.A.101 East Main Street, Stillman Valley, IL 61084June 09, 1882Full Service Brick and Mortar
    1219791Oregon Facility1445 Illinois Route 2 North, Oregon, IL 61061June 09, 1982Full Service Brick and Mortar
    216277Rochelle Facility455 West Highway 38, Rochelle, IL 61068October 14, 1980Full Service Brick and Mortar
    3219792Byron Facility608 West Blackhawk, Byron, IL 61010July 19, 1993Full Service Brick and Mortar
    4219793Rockford Branch8492 East State Street, Rockford, IL 61108October 13, 1999Full Service Brick and Mortar
    5466415Roscoe/Rockton Branch5250 Bridge Street, Roscoe, IL 61073September 06, 2006Full Service Brick and Mortar

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