The Bank of Lawrence County in Bridgeport, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches


The Bank of Lawrence County - Overview

  • General
  • FDIC Certificate #: 34721
    Status: Active
    Federal Reserve ID: 2689128
    Date Established: April 27, 1998
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 61405
    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: Yes
    Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion
    Date of Deposit Insurance: April 27, 1998
    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: 100 East State Street, Bridgeport, IL 62417
    County: Lawrence
    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
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $44.8 mil
    Equity capital: $5.4 mil
    Deposits held in domestic offices: $39.0 mil
    Return on assets (ROA): 0.64% ($0.3 mil)
    Quarterly return on assets: 0.87% ($0.4 mil)
    Return on Equity (ROE): 5.36% ($0.3 mil)
    Quarterly return on equity: 7.53% ($0.4 mil)
    Net income: $0.3 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.64% ($286.9 mil)
    Quarterly Pretax return on assets: 0.87% ($390.1 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
  • 10Total employees (full-time equivalent)
  • $44,834Total assets
  • $16,643Cash and due from depository institutions
  • $16,173Interest-bearing balances
  • $13,684Securities
  • $910Federal funds sold & reverse repurchase agreements
  • $12,838Net loans & leases
  • $100Loan loss allowance
  • $0Trading account assets
  • $512Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $44,834Life insurance assets
  • $247All other assets
  • $39,474Total liabilities and capital
  • $39,030Total liabilities
  • $32,306Total deposits
  • $39,030Interest-bearing deposits
  • $71Deposits held in domestic offices
  • 400.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $44Subordinated debt
  • $5,360All other liabilities
  • $5,360Total equity capital
  • $5,360Total bank equity capital
  • $0Perpetual preferred stock
  • $1,600Common stock
  • $2,900Surplus
  • $860Undivided 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
  • $164Long-term assets (5+ years)
  • $43,605Average Assets, year-to-date
  • $14,969Average Assets, quarterly
  • $43,814Volatile liabilities
  • $45,763Insider loans
  • $16,476FHLB advances
  • $46,380Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $5,360Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,071Restructured Loans and leases
  • $2,159Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,182Total interest income
  • $219Total interest expense
  • $963Net interest income
  • $0Provision for loan and lease losses
  • $43Total noninterest income
  • $0Fiduciary activities
  • $23Service charges on deposit accounts
  • $0Trading account gains & fees
  • $20Additional noninterest income
  • $724Total noninterest expense
  • $459Salaries and employee benefits
  • $78Premises and equipment expense
  • $187Additional noninterest expense
  • $282Pre-tax net operating income
  • $0Securities gains (losses)
  • $2Applicable income taxes
  • $280Income before extraordinary items
  • $0Extraordinary gains - net
  • $280Net income attributable to bank
  • $0Net charge-offs
  • $280Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $120Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 2.77%Yield on earning assets
  • 0.51%Cost of funding earning assets
  • 2.26%Net interest margin
  • 0.10%Noninterest income to earning assets
  • 1.70%Noninterest expense to earning assets
  • 0.64%Net operating income to assets
  • 0.64%Return on assets (ROA)
  • 0.64%Pretax return on assets
  • 5.36%Return on equity (ROE)
  • 3.06%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 71,968Assets per employee
  • 4.48%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 42.86%Loss allowance to loans
  • 0.77%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 32.89%Net loans and leases to core deposits
  • 36.80%Equity capital to assets
  • 11.96%Core capital (leverage) ratio
  • 11.56%Tier 1 risk-based capital ratio
  • 32.53%Total risk-based capital ratio
  • Memoranda
  • $33Average assets
  • $43,814Average earning assets
  • $5,224Average equity
  • $42,598Average loans

List of branches

  • 2 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    061405The Bank Of Lawrence County100 East State Street, Bridgeport, IL 62417April 27, 1998Full Service Brick and Mortar
    1364034Lawrenceville Branch1300 15th Street, Lawrenceville, IL 62439May 24, 2002Full Service Brick and Mortar

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