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


  • The Bank of Edwardsville in Edwardsville, Illinois (IL)
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The Bank of Edwardsville - Overview

  • General
  • FDIC Certificate #: 1039
    Status: Active
    Federal Reserve ID: 219343
    Bank Holding Company (Regulatory Top Holder): Banc Ed Corp., The (RSSDID: 2066868, Location: Edwardsville, IL)
    Date Established: January 01, 1868
    WWW: http://www.4thebank.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 20 (Domestic: 20, Interstate: No)
    OTS Docket #: 9892
    FDIC's unique #: 692
    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: 330 West Vandalia Street, Edwardsville, IL 62025
    County: Madison
    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: $1,559.6 mil
    Equity capital: $146.6 mil
    Deposits held in domestic offices: $1,289.3 mil
    Return on assets (ROA): 0.77% ($12.0 mil)
    Quarterly return on assets: 0.92% ($14.4 mil)
    Return on Equity (ROE): 8.48% ($12.5 mil)
    Quarterly return on equity: 10.03% ($14.7 mil)
    Net income: $11.7 mil
    Quarterly Net income: $3.7 mil
    Pretax return on assets: 0.98% ($15,284.4 mil)
    Quarterly Pretax return on assets: 1.24% ($19,339.4 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
  • 354Total employees (full-time equivalent)
  • $1,559,633Total assets
  • $64,249Cash and due from depository institutions
  • $37,596Interest-bearing balances
  • $736,882Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $654,830Net loans & leases
  • $19,925Loan loss allowance
  • $0Trading account assets
  • $39,816Bank premises and fixed assets
  • $6,298Other real estate owned
  • $5,858Goodwill and other intangibles
  • $1,559,633Life insurance assets
  • $51,700All other assets
  • $1,413,060Total liabilities and capital
  • $1,289,280Total liabilities
  • $1,129,024Total deposits
  • $1,289,280Interest-bearing deposits
  • $81Deposits held in domestic offices
  • 83200.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $30,000Trading liabilities
  • $0Other borrowed funds
  • $10,580Subordinated debt
  • $146,573All other liabilities
  • $146,573Total equity capital
  • $146,573Total bank equity capital
  • $0Perpetual preferred stock
  • $5,400Common stock
  • $16,740Surplus
  • $124,433Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $4,525Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $19,185Income earned, not collected on loans
  • $22Earning assets
  • $7,006Long-term assets (5+ years)
  • $1,429,308Average Assets, year-to-date
  • $720,396Average Assets, quarterly
  • $1,523,872Volatile liabilities
  • $1,584,963Insider loans
  • $935,880FHLB advances
  • $1,587,587Loans and leases held for sale
  • $32,341Unused loan commitments
  • $29,095Tier 1 (core) risk-based capital
  • $133,816Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $3,246Total unused commitments
  • $167,845Restructured Loans and leases
  • $1,063Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $54,216Total interest income
  • $13,972Total interest expense
  • $40,244Net interest income
  • $3,800Provision for loan and lease losses
  • $21,827Total noninterest income
  • $2,882Fiduciary activities
  • $4,681Service charges on deposit accounts
  • $0Trading account gains & fees
  • $14,264Additional noninterest income
  • $44,824Total noninterest expense
  • $23,517Salaries and employee benefits
  • $7,787Premises and equipment expense
  • $13,520Additional noninterest expense
  • $13,447Pre-tax net operating income
  • $1,449Securities gains (losses)
  • $3,218Applicable income taxes
  • $11,678Income before extraordinary items
  • $0Extraordinary gains - net
  • $11,678Net income attributable to bank
  • $0Net charge-offs
  • $11,678Cash dividends
  • $3,659Sale, conversion, retirement of capital stock, net
  • $2,900Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.90%Yield on earning assets
  • 1.00%Cost of funding earning assets
  • 2.89%Net interest margin
  • 1.57%Noninterest income to earning assets
  • 3.22%Noninterest expense to earning assets
  • 0.69%Net operating income to assets
  • 0.77%Return on assets (ROA)
  • 0.98%Pretax return on assets
  • 8.48%Return on equity (ROE)
  • 6.38%Retained earnings to average equity (YTD only)
  • 0.52%Net charge-offs to loans
  • 103.85%Credit loss provision to net charge-offs
  • 4.71%Efficiency ratio
  • 72,214Assets per employee
  • 4.41%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 24.83%Loss allowance to loans
  • 2.95%Loss allowance to noncurrent loans
  • 103.86%Noncurrent assets plus other real estate owned to assets
  • 1.63%Noncurrent loans to loans
  • 2.84%Net loans and leases to deposits
  • 50.79%Net loans and leases to core deposits
  • 56.37%Equity capital to assets
  • 9.40%Core capital (leverage) ratio
  • 8.43%Tier 1 risk-based capital ratio
  • 14.30%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $1,523,872Average earning assets
  • $137,679Average equity
  • $1,390,660Average 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
  • $750,039Managed Assets
  • 1Number of Accounts
  • $574,689Personal trust and agency accounts
  • $112,289Employee benefit-defined contribution accounts
  • $78,087Employee benefit-defined benefit accounts
  • $124,305Other retirement accounts
  • $54,585Corporate trust and agency accounts
  • $3,423Investment management agency accounts
  • $149,205Other fiduciary accounts
  • $52,795Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 911Number of Accounts
  • $0Personal trust and agency accounts
  • $54,584Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $175,350Other retirement accounts
  • $911Corporate trust and agency accounts
  • $33,073Other fiduciary accounts
  • $23,065Fiduciary accounts held in foreign offices

List of branches

  • 20 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0692The Bank Of Edwardsville330 West Vandalia Street, Edwardsville, IL 62025January 01, 1868Full Service Brick and Mortar
    343513Troy Branch507 Edwardsville Road, Troy, IL 62294January 01, 1928Full Service Brick and Mortar
    4263316Collinsville Branch101 South Morrison, Collinsville, IL 62234January 01, 1923Full Service Brick and Mortar
    543297Alton Branch324 Ridge Street, Alton, IL 62002January 01, 1904Limited Service Facility
    6187766Highland Branch100 Suppinger Lane, Highland, IL 62249January 11, 1995Full Service Brick and Mortar
    7187767Alton Northport Branch4415 West Center Drive, Alton, IL 62002May 01, 1995Full Service Brick and Mortar
    8187768In-Store Center2122 Troy Road, Edwardsville, IL 62025July 10, 1995Limited Service Facility
    1146855Pontoon Beach Center5111 Highway 111, Pontoon Beach, IL 62040Febuary 01, 1991Full Service Brick and Mortar
    12289434Granite City - Nameoki Road Center3830 Nameoki Road, Granite City, IL 62040August 01, 1995Full Service Brick and Mortar
    13357924Granite City - Maryville Road Center3502 Maryville Road, Granite City, IL 62040June 01, 2000Full Service Brick and Mortar
    14360866Glen Carbon Route 159 Center Branch4200 South State Route 159, Glen Carbon, IL 62034Febuary 28, 2001Full Service Brick and Mortar
    15418765South State Route 157 Branch2142 South State Route 157, Glen Carbon, IL 62034Febuary 18, 2003Full Service Brick and Mortar
    17431497O'fallon Branch1177 N Green Mount Drive, O Fallon, IL 62269June 21, 2004Full Service Brick and Mortar
    19458316Troy Road Branch2004 Troy Road, Edwardsville, IL 62025January 08, 2007Full Service Brick and Mortar
    20468433Cougar Banking CenterMorris University Center, Edwardsville, IL 62026August 13, 2007Full Service Retail
    21468541Belleville - West Main Center/Cbg5720 West Main Street, Belleville, IL 62226October 07, 2007Full Service Brick and Mortar
    22473868Wood River Branch1153 Vaughn Road, Wood River, IL 62095March 31, 2008Full Service Brick and Mortar
    23479717Bethalto Rte 140 Branch102 East Bethalto Blvd, Bethalto, IL 62010September 15, 2007Full Service Brick and Mortar
    24480931Swansea Branch3685 Sullivan Drive, Swansea, IL 62226September 15, 2008Full Service Brick and Mortar
    25485248South Green Mount Road Branch360 South Mount Green Road, Belleville, IL 62221January 12, 2009Full Service Brick and Mortar

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