Streator Home Building and Loan Association - Overview
General
FDIC Certificate #: 30357 Status: Active Federal Reserve ID: 142179 Date Established: January 01, 1894 WWW:http://www.streatorhome.com Trust Powers Granted: No Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 5222 FDIC's unique #: 43191 Numeric code: 36 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) FDIC Insured: Yes Insured Savings Institution: 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: Mortgage Lending Specialization Date of Deposit Insurance: April 08, 1949 Last Structure Change Effective Date: July 21, 2011 Last Structure Change Process Date: July 21, 2011 Last Data Update: July 21, 2011 Data Source Date: April 05, 2012
Location
Address: 132 S Monroe Street, Streator, IL 61364 County: La Salle 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 Core Based Statistical Area (CBSA): Ottawa-Streator, IL (#36860) CBSA Micro Statistical Area: Yes
History of Changes
Change in Primary Regulatory Agency
Financial Summary
Total assets: $158.5 mil Equity capital: $33.6 mil Deposits held in domestic offices: $124.0 mil Return on assets (ROA): 0.97% ($1.5 mil) Quarterly return on assets: 1.16% ($1.8 mil) Return on Equity (ROE): 4.54% ($1.5 mil) Quarterly return on equity: 5.48% ($1.9 mil) Net income: $1.5 mil Quarterly Net income: $0.5 mil Pretax return on assets: 1.35% ($2,139.6 mil) Quarterly Pretax return on assets: 1.65% ($2,615.1 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
16Total employees (full-time equivalent)
$158,490Total assets
$7,096Cash and due from depository institutions
$3,465Interest-bearing balances
$94,341Securities
$0Federal funds sold & reverse repurchase agreements
$54,274Net loans & leases
$158Loan loss allowance
$0Trading account assets
$679Bank premises and fixed assets
$101Other real estate owned
$0Goodwill and other intangibles
$158,490Life insurance assets
$1,999All other assets
$124,899Total liabilities and capital
$124,036Total liabilities
$123,715Total deposits
$124,036Interest-bearing deposits
$96Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$863Subordinated debt
$33,591All other liabilities
$33,591Total equity capital
$33,591Total bank equity capital
$0Perpetual preferred stock
$0Common stock
$0Surplus
$33,591Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$671Income earned, not collected on loans
$0Earning assets
$538Long-term assets (5+ years)
$152,080Average Assets, year-to-date
$0Average Assets, quarterly
$154,366Volatile liabilities
$157,071Insider loans
$46,657FHLB advances
$158,490Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$33,591Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$583Restructured Loans and leases
$1,202Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$5,922Total interest income
$1,590Total interest expense
$4,332Net interest income
$42Provision for loan and lease losses
$56Total noninterest income
$0Fiduciary activities
$20Service charges on deposit accounts
$0Trading account gains & fees
$36Additional noninterest income
$2,261Total noninterest expense
$1,579Salaries and employee benefits
$290Premises and equipment expense
$392Additional noninterest expense
$2,085Pre-tax net operating income
$0Securities gains (losses)
$593Applicable income taxes
$1,492Income before extraordinary items
$0Extraordinary gains - net
$1,492Net income attributable to bank
$0Net charge-offs
$1,492Cash dividends
$40Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.01%Yield on earning assets
1.08%Cost of funding earning assets
2.93%Net interest margin
0.04%Noninterest income to earning assets
1.53%Noninterest expense to earning assets
0.97%Net operating income to assets
0.97%Return on assets (ROA)
1.35%Pretax return on assets
4.54%Return on equity (ROE)
4.54%Retained earnings to average equity (YTD only)
0.07%Net charge-offs to loans
105.00%Credit loss provision to net charge-offs
53.17%Efficiency ratio
51,527Assets per employee
9.91%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.29%Loss allowance to noncurrent loans
23.55%Noncurrent assets plus other real estate owned to assets
0.49%Noncurrent loans to loans
1.23%Net loans and leases to deposits
43.76%Net loans and leases to core deposits
46.64%Equity capital to assets
21.19%Core capital (leverage) ratio
21.19%Tier 1 risk-based capital ratio
72.00%Total risk-based capital ratio
Memoranda
$72Average assets
$154,366Average earning assets
$32,887Average equity
$147,672Average loans
List of branches
1 Illinois Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
43191
Streator Home Building And Loan Asso
132 S Monroe Street, Streator, IL 61364
January 01, 1894
Full Service Brick and Mortar
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