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

The State Bank of Geneva - Overview

  • General
  • FDIC Certificate #: 925
    Status: Active
    Federal Reserve ID: 991135
    Bank Holding Company (Regulatory Top Holder): Geneva Bancshares, Inc. (RSSDID: 1136924, Location: Geneva, IL)
    Date Established: January 01, 1903
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 600
    Numeric code: 13
    Regulator: FED
    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: Commercial Lending Specialization
    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: 22 South Fourth Street, Geneva, IL 60134
    County: Kane
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Chicago
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Chicago, IL (#1600)
    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): Chicago-Joliet-Naperville, IL-IN-WI (#16980)
    CBSA Metro Statistical Area: Chicago-Joliet-Naperville, IL-IN-WI (#16980)
    Core Based Statistical Division: Chicago-Joliet-Naperville, IL (#16974)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $92.1 mil
    Equity capital: $5.0 mil
    Deposits held in domestic offices: $86.6 mil
    Return on assets (ROA): -3.64% (-$3.3 mil)
    Quarterly return on assets: -13.27% (-$12.2 mil)
    Return on Equity (ROE): -45.75% (-$2.3 mil)
    Quarterly return on equity: -186.89% (-$9.3 mil)
    Net income: -$3.5 mil
    Quarterly Net income: -$3.1 mil
    Pretax return on assets: -3.65% (-$3,361.3 mil)
    Quarterly Pretax return on assets: -13.29% (-$12,238.9 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
  • 27Total employees (full-time equivalent)
  • $92,091Total assets
  • $8,117Cash and due from depository institutions
  • $6,241Interest-bearing balances
  • $35,705Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $41,440Net loans & leases
  • $4,129Loan loss allowance
  • $0Trading account assets
  • $631Bank premises and fixed assets
  • $552Other real estate owned
  • $0Goodwill and other intangibles
  • $92,091Life insurance assets
  • $5,646All other assets
  • $87,078Total liabilities and capital
  • $86,575Total liabilities
  • $70,809Total deposits
  • $86,575Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $503Subordinated debt
  • $5,013All other liabilities
  • $5,013Total equity capital
  • $5,013Total bank equity capital
  • $0Perpetual preferred stock
  • $930Common stock
  • $2,070Surplus
  • $2,013Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,519Income earned, not collected on loans
  • $0Earning assets
  • $157Long-term assets (5+ years)
  • $83,386Average Assets, year-to-date
  • $25,526Average Assets, quarterly
  • $94,811Volatile liabilities
  • $92,961Insider loans
  • $54,151FHLB advances
  • $94,594Loans and leases held for sale
  • $4,939Unused loan commitments
  • $4,939Tier 1 (core) risk-based capital
  • $4,642Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $5,938Restructured Loans and leases
  • $4,014Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,552Total interest income
  • $644Total interest expense
  • $2,908Net interest income
  • $4,206Provision for loan and lease losses
  • $724Total noninterest income
  • $265Fiduciary activities
  • $144Service charges on deposit accounts
  • $0Trading account gains & fees
  • $315Additional noninterest income
  • $3,094Total noninterest expense
  • $1,844Salaries and employee benefits
  • $163Premises and equipment expense
  • $1,087Additional noninterest expense
  • -$3,668Pre-tax net operating income
  • $212Securities gains (losses)
  • -$2Applicable income taxes
  • -$3,454Income before extraordinary items
  • $0Extraordinary gains - net
  • -$3,454Net income attributable to bank
  • $0Net charge-offs
  • -$3,454Cash dividends
  • $787Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.15%Yield on earning assets
  • 0.75%Cost of funding earning assets
  • 3.40%Net interest margin
  • 0.85%Noninterest income to earning assets
  • 3.62%Noninterest expense to earning assets
  • -3.87%Net operating income to assets
  • -3.64%Return on assets (ROA)
  • -3.65%Pretax return on assets
  • -45.75%Return on equity (ROE)
  • -45.75%Retained earnings to average equity (YTD only)
  • 1.65%Net charge-offs to loans
  • 534.43%Credit loss provision to net charge-offs
  • 0.68%Efficiency ratio
  • 85,187Assets per employee
  • 3.41%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 9.06%Loss allowance to noncurrent loans
  • 117.33%Noncurrent assets plus other real estate owned to assets
  • 4.42%Noncurrent loans to loans
  • 7.72%Net loans and leases to deposits
  • 47.87%Net loans and leases to core deposits
  • 54.23%Equity capital to assets
  • 5.44%Core capital (leverage) ratio
  • 4.91%Tier 1 risk-based capital ratio
  • 8.57%Total risk-based capital ratio
  • Memoranda
  • $10Average assets
  • $94,811Average earning assets
  • $7,550Average equity
  • $85,529Average 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
  • $25,349Managed Assets
  • 1Number of Accounts
  • $18,760Personal trust and agency accounts
  • $7,935Employee benefit-defined contribution accounts
  • $1,722Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $3,557Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $5,546Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 96Number of Accounts
  • $0Personal trust and agency accounts
  • $3,557Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $6,589Other retirement accounts
  • $1,029Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $5,305Fiduciary accounts held in foreign offices

List of branches

  • 1 Illinois Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0600The State Bank Of Geneva22 South Fourth Street, Geneva, IL 60134January 01, 1903Full Service Brick and Mortar

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