Beardstown Savings s.b. in Beardstown, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Beardstown Savings s.b. in Beardstown, Illinois (IL)
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Beardstown Savings s.b. routing number info

Beardstown Savings s.b. - Overview

  • General
  • FDIC Certificate #: 30043
    Status: Active
    Federal Reserve ID: 835378
    Date Established: January 01, 1911
    Trust Powers Granted: No
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 4618
    FDIC's unique #: 42877
    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: May 23, 1949
    Last Structure Change Effective Date: May 02, 2011
    Last Structure Change Process Date: May 03, 2011
    Last Data Update: May 03, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 301 State Street, Beardstown, IL 62618
    County: Cass
    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
  • Financial Summary
  • Total assets: $43.5 mil
    Equity capital: $4.4 mil
    Deposits held in domestic offices: $38.8 mil
    Return on assets (ROA): 0.49% ($0.2 mil)
    Quarterly return on assets: 0.18% ($0.1 mil)
    Return on Equity (ROE): 5.10% ($0.2 mil)
    Quarterly return on equity: 1.83% ($0.1 mil)
    Net income: $0.2 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.49% ($213.0 mil)
    Quarterly Pretax return on assets: 0.18% ($78.2 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)
  • $43,471Total assets
  • $2,472Cash and due from depository institutions
  • $1,104Interest-bearing balances
  • $12,195Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $26,424Net loans & leases
  • $533Loan loss allowance
  • $0Trading account assets
  • $458Bank premises and fixed assets
  • $937Other real estate owned
  • $32Goodwill and other intangibles
  • $43,471Life insurance assets
  • $953All other assets
  • $39,097Total liabilities and capital
  • $38,810Total liabilities
  • $38,560Total deposits
  • $38,810Interest-bearing deposits
  • $100Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $287Subordinated debt
  • $4,374All other liabilities
  • $4,374Total equity capital
  • $4,374Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $4,374Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $841Income earned, not collected on loans
  • $0Earning assets
  • $234Long-term assets (5+ years)
  • $39,723Average Assets, year-to-date
  • $28,418Average Assets, quarterly
  • $44,314Volatile liabilities
  • $43,633Insider loans
  • $21,683FHLB advances
  • $43,757Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $4,207Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $779Restructured Loans and leases
  • $446Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,118Total interest income
  • $655Total interest expense
  • $1,463Net interest income
  • $107Provision for loan and lease losses
  • $156Total noninterest income
  • $0Fiduciary activities
  • $63Service charges on deposit accounts
  • $0Trading account gains & fees
  • $93Additional noninterest income
  • $1,402Total noninterest expense
  • $572Salaries and employee benefits
  • $117Premises and equipment expense
  • $713Additional noninterest expense
  • $110Pre-tax net operating income
  • $108Securities gains (losses)
  • $3Applicable income taxes
  • $215Income before extraordinary items
  • $0Extraordinary gains - net
  • $215Net income attributable to bank
  • $0Net charge-offs
  • $215Cash dividends
  • $32Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.25%Yield on earning assets
  • 1.62%Cost of funding earning assets
  • 3.63%Net interest margin
  • 0.39%Noninterest income to earning assets
  • 3.48%Noninterest expense to earning assets
  • 0.24%Net operating income to assets
  • 0.49%Return on assets (ROA)
  • 0.49%Pretax return on assets
  • 5.10%Return on equity (ROE)
  • 5.10%Retained earnings to average equity (YTD only)
  • 0.12%Net charge-offs to loans
  • 334.38%Credit loss provision to net charge-offs
  • 6.78%Efficiency ratio
  • 86,164Assets per employee
  • 4.35%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.98%Loss allowance to noncurrent loans
  • 63.38%Noncurrent assets plus other real estate owned to assets
  • 4.09%Noncurrent loans to loans
  • 3.12%Net loans and leases to deposits
  • 68.09%Net loans and leases to core deposits
  • 69.17%Equity capital to assets
  • 10.06%Core capital (leverage) ratio
  • 9.61%Tier 1 risk-based capital ratio
  • 19.40%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $44,314Average earning assets
  • $4,218Average equity
  • $40,322Average loans

List of branches

  • 2 Illinois Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    042877Beardstown Savings S.B.301 State Street, Beardstown, IL 62618January 01, 1911Full Service Brick and Mortar
    1273996West Main St Branch201 West Main Street, Mount Sterling, IL 62353January 01, 1917Full Service Brick and Mortar

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