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

The State Bank of Lima - Overview

  • General
  • FDIC Certificate #: 5735
    Status: Active
    Federal Reserve ID: 493143
    Bank Holding Company (Regulatory Top Holder): Lima Bancshares, Inc. (RSSDID: 1095928, Location: Lima, IL)
    Date Established: December 10, 1910
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 14351
    FDIC's unique #: 3910
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: June 02, 2010
    Last Structure Change Process Date: June 02, 2010
    Last Data Update: June 02, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 514 N. Range Line, Lima, IL 62348
    County: Adams
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Springfield Il
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Core Based Statistical Area (CBSA): Quincy, IL-MO (#39500)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $30.8 mil
    Equity capital: $3.5 mil
    Deposits held in domestic offices: $25.2 mil
    Return on assets (ROA): 2.17% ($0.7 mil)
    Quarterly return on assets: 1.27% ($0.4 mil)
    Return on Equity (ROE): 21.13% ($0.6 mil)
    Quarterly return on equity: 11.34% ($0.3 mil)
    Net income: $0.7 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 2.19% ($675.3 mil)
    Quarterly Pretax return on assets: 1.29% ($397.8 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
  • 6Total employees (full-time equivalent)
  • $30,834Total assets
  • $2,855Cash and due from depository institutions
  • $2,302Interest-bearing balances
  • $9,851Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $16,860Net loans & leases
  • $314Loan loss allowance
  • $0Trading account assets
  • $114Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $30,834Life insurance assets
  • $1,154All other assets
  • $27,348Total liabilities and capital
  • $25,156Total liabilities
  • $21,990Total deposits
  • $25,156Interest-bearing deposits
  • $100Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,500Trading liabilities
  • $0Other borrowed funds
  • $692Subordinated debt
  • $3,486All other liabilities
  • $3,486Total equity capital
  • $3,486Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $450Surplus
  • $2,936Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $7Income earned, not collected on loans
  • $0Earning assets
  • $248Long-term assets (5+ years)
  • $29,013Average Assets, year-to-date
  • $9,058Average Assets, quarterly
  • $31,255Volatile liabilities
  • $31,083Insider loans
  • $20,491FHLB advances
  • $30,790Loans and leases held for sale
  • $681Unused loan commitments
  • $681Tier 1 (core) risk-based capital
  • $3,108Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,848Restructured Loans and leases
  • $94Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,563Total interest income
  • $344Total interest expense
  • $1,219Net interest income
  • $47Provision for loan and lease losses
  • $103Total noninterest income
  • $0Fiduciary activities
  • $40Service charges on deposit accounts
  • $0Trading account gains & fees
  • $63Additional noninterest income
  • $703Total noninterest expense
  • $391Salaries and employee benefits
  • $70Premises and equipment expense
  • $242Additional noninterest expense
  • $572Pre-tax net operating income
  • $111Securities gains (losses)
  • $5Applicable income taxes
  • $678Income before extraordinary items
  • $0Extraordinary gains - net
  • $678Net income attributable to bank
  • $0Net charge-offs
  • $678Cash dividends
  • $2Sale, conversion, retirement of capital stock, net
  • $440Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.33%Yield on earning assets
  • 1.17%Cost of funding earning assets
  • 4.16%Net interest margin
  • 0.35%Noninterest income to earning assets
  • 2.40%Noninterest expense to earning assets
  • 1.82%Net operating income to assets
  • 2.17%Return on assets (ROA)
  • 2.19%Pretax return on assets
  • 21.13%Return on equity (ROE)
  • 7.42%Retained earnings to average equity (YTD only)
  • 0.01%Net charge-offs to loans
  • 2350.00%Credit loss provision to net charge-offs
  • 309.50%Efficiency ratio
  • 53,177Assets per employee
  • 5.14%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 64.90%Loss allowance to loans
  • 1.83%Loss allowance to noncurrent loans
  • 4485.71%Noncurrent assets plus other real estate owned to assets
  • 0.02%Noncurrent loans to loans
  • 0.04%Net loans and leases to deposits
  • 67.02%Net loans and leases to core deposits
  • 71.30%Equity capital to assets
  • 11.31%Core capital (leverage) ratio
  • 10.09%Tier 1 risk-based capital ratio
  • 15.17%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $31,255Average earning assets
  • $3,208Average equity
  • $29,330Average loans

List of branches

  • 1 Illinois Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03910The State Bank Of Lima514 N. Range Line, Lima, IL 62348December 10, 1910Full Service Brick and Mortar

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