Bank of Bluffs in city_name, state_name - Detailed Financial Reports, Location

Bank of Bluffs in Bluffs, Illinois (IL)
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Bank of Bluffs routing number info

Bank of Bluffs - Overview

General
FDIC Certificate #: 10883
Status: Active
Federal Reserve ID: 695947
Bank Holding Company (Regulatory Top Holder): Scott Morgan Bancorp, Inc. (RSSDID: 3917873, Location: Bluffs, IL)
Date Established: August 03, 1893
WWW: http://www.bankofbluffs.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Domestic: 2, Interstate: No)
FDIC's unique #: 6965
Numeric code: 21
Regulator: FDIC
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: 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: 115 N. Bluffs St., Bluffs, IL 62621
County: Scott
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): Jacksonville, IL (#27300)
CBSA Micro Statistical Area: Yes
History of Changes
Change in Location
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $53.2 mil
Equity capital: $8.2 mil
Deposits held in domestic offices: $45.0 mil
Return on assets (ROA): 0.70% ($0.4 mil)
Quarterly return on assets: 0.02% ($0.0 mil)
Return on Equity (ROE): 4.48% ($0.4 mil)
Quarterly return on equity: 0.15% ($0.0 mil)
Net income: $0.4 mil
Quarterly Net income: $0.0 mil
Pretax return on assets: 0.70% ($372.3 mil)
Quarterly Pretax return on assets: 0.02% ($10.6 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)
$53,191Total assets
$7,957Cash and due from depository institutions
$4,770Interest-bearing balances
$17,318Securities
$0Federal funds sold & reverse repurchase agreements
$26,411Net loans & leases
$197Loan loss allowance
$0Trading account assets
$866Bank premises and fixed assets
$73Other real estate owned
$0Goodwill and other intangibles
$53,191Life insurance assets
$566All other assets
$45,033Total liabilities and capital
$44,990Total liabilities
$38,170Total deposits
$44,990Interest-bearing deposits
$88Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$43Subordinated debt
$8,158All other liabilities
$8,158Total equity capital
$8,158Total bank equity capital
$0Perpetual preferred stock
$200Common stock
$550Surplus
$7,408Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$568Income earned, not collected on loans
$0Earning assets
$452Long-term assets (5+ years)
$48,499Average Assets, year-to-date
$26,439Average Assets, quarterly
$52,977Volatile liabilities
$54,403Insider loans
$28,159FHLB advances
$55,909Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$8,158Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$662Restructured Loans and leases
$2,530Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$2,221Total interest income
$476Total interest expense
$1,745Net interest income
$122Provision for loan and lease losses
$227Total noninterest income
$0Fiduciary activities
$163Service charges on deposit accounts
$0Trading account gains & fees
$64Additional noninterest income
$1,480Total noninterest expense
$877Salaries and employee benefits
$241Premises and equipment expense
$362Additional noninterest expense
$370Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$370Income before extraordinary items
$0Extraordinary gains - net
$370Net income attributable to bank
$0Net charge-offs
$370Cash dividends
$110Sale, conversion, retirement of capital stock, net
$380Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.61%Yield on earning assets
0.99%Cost of funding earning assets
3.63%Net interest margin
0.47%Noninterest income to earning assets
3.08%Noninterest expense to earning assets
0.70%Net operating income to assets
0.70%Return on assets (ROA)
0.70%Pretax return on assets
4.48%Return on equity (ROE)
-0.12%Retained earnings to average equity (YTD only)
0.41%Net charge-offs to loans
110.91%Credit loss provision to net charge-offs
4.47%Efficiency ratio
75,051Assets per employee
3.32%Cash dividends to net income (YTD only)
Condition Ratios (%)
102.70%Loss allowance to loans
0.74%Loss allowance to noncurrent loans
34.68%Noncurrent assets plus other real estate owned to assets
1.21%Noncurrent loans to loans
2.13%Net loans and leases to deposits
58.70%Net loans and leases to core deposits
62.72%Equity capital to assets
15.34%Core capital (leverage) ratio
14.59%Tier 1 risk-based capital ratio
28.97%Total risk-based capital ratio
Memoranda
$30Average assets
$52,977Average earning assets
$8,253Average equity
$48,129Average 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
$10,777Managed Assets
1Number of Accounts
$10,777Personal trust and agency accounts
$10,777Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Investment management agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
26Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices

List of branches

2 Illinois Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
0	6965	Bank Of Bluffs	115 N. Bluffs St., Bluffs, IL 62621	August 03, 1893	Full Service Brick and Mortar
1	223061	Meredosia Branch	920 State Highway 104, Meredosia, IL 62665	July 29, 1998	Full Service Brick and Mortar

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

Bank of Bluffs - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

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

Bank of Bluffs - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

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