Twin Oaks Savings Bank in Marseilles, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Twin Oaks Savings Bank in Marseilles, Illinois (IL)
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Twin Oaks Savings Bank - Overview

  • General
  • FDIC Certificate #: 31004
    Status: Active
    Federal Reserve ID: 873679
    Date Established: January 01, 1890
    WWW: http://www.twinoakssavings.com
    Trust Powers Granted: No
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 6245
    FDIC's unique #: 43838
    Numeric code: 42
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: 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: Mortgage Lending Specialization
    Date of Deposit Insurance: July 07, 1958
    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: 125 West Bluff Street, Marseilles, IL 61341
    County: La Salle
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Princeton
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Core Based Statistical Area (CBSA): Ottawa-Streator, IL (#36860)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $72.0 mil
    Equity capital: $6.8 mil
    Deposits held in domestic offices: $57.6 mil
    Return on assets (ROA): 0.12% ($0.1 mil)
    Quarterly return on assets: -0.75% (-$0.5 mil)
    Return on Equity (ROE): 1.34% ($0.1 mil)
    Quarterly return on equity: -8.08% (-$0.6 mil)
    Net income: $0.1 mil
    Quarterly Net income: -$0.1 mil
    Pretax return on assets: 0.17% ($122.4 mil)
    Quarterly Pretax return on assets: -0.73% (-$525.6 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
  • 16Total employees (full-time equivalent)
  • $71,998Total assets
  • $7,814Cash and due from depository institutions
  • $6,885Interest-bearing balances
  • $28,014Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $33,296Net loans & leases
  • $854Loan loss allowance
  • $0Trading account assets
  • $1,151Bank premises and fixed assets
  • $55Other real estate owned
  • $129Goodwill and other intangibles
  • $71,998Life insurance assets
  • $1,539All other assets
  • $65,213Total liabilities and capital
  • $57,609Total liabilities
  • $54,332Total deposits
  • $57,609Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $7,000Trading liabilities
  • $0Other borrowed funds
  • $604Subordinated debt
  • $6,785All other liabilities
  • $6,785Total equity capital
  • $6,785Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $6,785Undivided 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
  • $303Long-term assets (5+ years)
  • $68,195Average Assets, year-to-date
  • $35,923Average Assets, quarterly
  • $74,463Volatile liabilities
  • $73,189Insider loans
  • $33,463FHLB advances
  • $73,177Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $6,504Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,476Restructured Loans and leases
  • $9Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,865Total interest income
  • $979Total interest expense
  • $1,886Net interest income
  • $723Provision for loan and lease losses
  • $299Total noninterest income
  • $0Fiduciary activities
  • $126Service charges on deposit accounts
  • $0Trading account gains & fees
  • $173Additional noninterest income
  • $1,782Total noninterest expense
  • $827Salaries and employee benefits
  • $193Premises and equipment expense
  • $762Additional noninterest expense
  • -$320Pre-tax net operating income
  • $450Securities gains (losses)
  • $40Applicable income taxes
  • $90Income before extraordinary items
  • $0Extraordinary gains - net
  • $90Net income attributable to bank
  • $0Net charge-offs
  • $90Cash dividends
  • $169Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.05%Yield on earning assets
  • 1.38%Cost of funding earning assets
  • 2.67%Net interest margin
  • 0.42%Noninterest income to earning assets
  • 2.52%Noninterest expense to earning assets
  • -0.30%Net operating income to assets
  • 0.12%Return on assets (ROA)
  • 0.17%Pretax return on assets
  • 1.34%Return on equity (ROE)
  • 1.34%Retained earnings to average equity (YTD only)
  • 0.47%Net charge-offs to loans
  • 427.81%Credit loss provision to net charge-offs
  • 2.38%Efficiency ratio
  • 81,556Assets per employee
  • 4.50%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.50%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.08%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 57.80%Net loans and leases to core deposits
  • 59.35%Equity capital to assets
  • 9.42%Core capital (leverage) ratio
  • 8.89%Tier 1 risk-based capital ratio
  • 19.44%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $74,463Average earning assets
  • $6,718Average equity
  • $70,700Average loans

List of branches

  • 2 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    043838Twin Oaks Savings Bank125 West Bluff Street, Marseilles, IL 61341January 01, 1890Full Service Brick and Mortar
    1442597Branch Office Branch1508 Creek Drive, Morris, IL 60450April 24, 2000Full Service Brick and Mortar

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