The Bank of Bourbonnais in Bourbonnais, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Bank of Bourbonnais - Overview

  • General
  • FDIC Certificate #: 21635
    Status: Active
    Federal Reserve ID: 308836
    Bank Holding Company (Regulatory Top Holder): Illinois State Bancorp, Inc. (RSSDID: 1889565, Location: Chicago, IL)
    Date Established: June 21, 1974
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 14969
    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: Commercial Lending Specialization
    Date of Deposit Insurance: June 21, 1974
    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: One Heritage Plaza, Bourbonnais, IL 60914
    County: Kankakee
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Champaign
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Kankakee, IL (#3740)
    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): Kankakee-Bradley, IL (#28100)
    CBSA Metro Statistical Area: Kankakee-Bradley, IL (#28100)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $77.2 mil
    Equity capital: $7.3 mil
    Deposits held in domestic offices: $66.8 mil
    Return on assets (ROA): 0.51% ($0.4 mil)
    Quarterly return on assets: 0.79% ($0.6 mil)
    Return on Equity (ROE): 5.83% ($0.4 mil)
    Quarterly return on equity: 8.38% ($0.6 mil)
    Net income: $0.4 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.83% ($640.4 mil)
    Quarterly Pretax return on assets: 1.30% ($1,003.1 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
  • 12Total employees (full-time equivalent)
  • $77,159Total assets
  • $2,781Cash and due from depository institutions
  • $1,079Interest-bearing balances
  • $12,526Securities
  • $23,303Federal funds sold & reverse repurchase agreements
  • $36,887Net loans & leases
  • $1,579Loan loss allowance
  • $0Trading account assets
  • $334Bank premises and fixed assets
  • $53Other real estate owned
  • $0Goodwill and other intangibles
  • $77,159Life insurance assets
  • $1,275All other assets
  • $69,811Total liabilities and capital
  • $66,810Total liabilities
  • $57,156Total deposits
  • $66,810Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 2200.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $500Trading liabilities
  • $0Other borrowed funds
  • $301Subordinated debt
  • $7,348All other liabilities
  • $7,348Total equity capital
  • $7,348Total bank equity capital
  • $0Perpetual preferred stock
  • $513Common stock
  • $4,189Surplus
  • $2,646Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $267Long-term assets (5+ years)
  • $73,795Average Assets, year-to-date
  • $1,166Average Assets, quarterly
  • $75,971Volatile liabilities
  • $77,324Insider loans
  • $44,469FHLB advances
  • $78,141Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $7,342Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,533Restructured Loans and leases
  • $1,134Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,761Total interest income
  • $665Total interest expense
  • $2,096Net interest income
  • $203Provision for loan and lease losses
  • $167Total noninterest income
  • $0Fiduciary activities
  • $106Service charges on deposit accounts
  • $0Trading account gains & fees
  • $61Additional noninterest income
  • $1,430Total noninterest expense
  • $520Salaries and employee benefits
  • $131Premises and equipment expense
  • $779Additional noninterest expense
  • $630Pre-tax net operating income
  • $0Securities gains (losses)
  • $241Applicable income taxes
  • $389Income before extraordinary items
  • $0Extraordinary gains - net
  • $389Net income attributable to bank
  • $0Net charge-offs
  • $389Cash dividends
  • -$294Sale, conversion, retirement of capital stock, net
  • $198Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.90%Yield on earning assets
  • 0.94%Cost of funding earning assets
  • 2.96%Net interest margin
  • 0.24%Noninterest income to earning assets
  • 2.02%Noninterest expense to earning assets
  • 0.51%Net operating income to assets
  • 0.51%Return on assets (ROA)
  • 0.83%Pretax return on assets
  • 5.83%Return on equity (ROE)
  • 2.86%Retained earnings to average equity (YTD only)
  • -0.75%Net charge-offs to loans
  • -69.05%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 63,190Assets per employee
  • 6.43%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 50.90%Loss allowance to loans
  • 4.10%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.07%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 55.21%Net loans and leases to core deposits
  • 68.79%Equity capital to assets
  • 9.52%Core capital (leverage) ratio
  • 9.40%Tier 1 risk-based capital ratio
  • 16.51%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $75,971Average earning assets
  • $6,676Average equity
  • $70,828Average loans

List of branches

  • 1 Illinois Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    014969The Bank Of BourbonnaisOne Heritage Plaza, Bourbonnais, IL 60914June 21, 1974Full Service Brick and Mortar

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