FDIC Certificate #: 10872 Status: Active Federal Reserve ID: 767246 Date Established: September 21, 1898 Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 6956 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: 25 S Main St, Chesterfield, IL 62630 County: Macoupin 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 Combined Statistical Area (CSA): St. Louis-St. Charles-Farmington, MO-IL (#476) Core Based Statistical Area (CBSA): St. Louis, MO-IL (#41180) CBSA Metro Statistical Area: St. Louis, MO-IL (#41180)
History of Changes
Change in Location
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $18.1 mil Equity capital: $1.5 mil Deposits held in domestic offices: $16.6 mil Return on assets (ROA): 0.76% ($0.1 mil) Quarterly return on assets: 0.00% ($0.0 mil) Return on Equity (ROE): 8.82% ($0.2 mil) Quarterly return on equity: 0.00% ($0.0 mil) Net income: $0.1 mil Quarterly Net income: $0.0 mil Pretax return on assets: 0.77% ($139.1 mil) Quarterly Pretax return on assets: 0.00% ($0.0 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
5Total employees (full-time equivalent)
$18,066Total assets
$7,755Cash and due from depository institutions
$6,850Interest-bearing balances
$122Securities
$370Federal funds sold & reverse repurchase agreements
$9,523Net loans & leases
$145Loan loss allowance
$0Trading account assets
$54Bank premises and fixed assets
$71Other real estate owned
$0Goodwill and other intangibles
$18,066Life insurance assets
$171All other assets
$16,565Total liabilities and capital
$16,551Total liabilities
$12,992Total deposits
$16,551Interest-bearing deposits
$98Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$14Subordinated debt
$1,501All other liabilities
$1,501Total equity capital
$1,501Total bank equity capital
$0Perpetual preferred stock
$50Common stock
$375Surplus
$1,076Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$129Income earned, not collected on loans
$0Earning assets
$129Long-term assets (5+ years)
$16,865Average Assets, year-to-date
$608Average Assets, quarterly
$17,946Volatile liabilities
$18,187Insider loans
$10,208FHLB advances
$18,416Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$1,501Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,139Restructured Loans and leases
$198Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$637Total interest income
$139Total interest expense
$498Net interest income
$46Provision for loan and lease losses
$79Total noninterest income
$0Fiduciary activities
$72Service charges on deposit accounts
$0Trading account gains & fees
$7Additional noninterest income
$393Total noninterest expense
$270Salaries and employee benefits
$24Premises and equipment expense
$99Additional noninterest expense
$138Pre-tax net operating income
$0Securities gains (losses)
$2Applicable income taxes
$136Income before extraordinary items
$0Extraordinary gains - net
$136Net income attributable to bank
$0Net charge-offs
$136Cash dividends
$21Sale, conversion, retirement of capital stock, net
$135Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.74%Yield on earning assets
0.82%Cost of funding earning assets
2.92%Net interest margin
0.46%Noninterest income to earning assets
2.31%Noninterest expense to earning assets
0.76%Net operating income to assets
0.76%Return on assets (ROA)
0.77%Pretax return on assets
8.82%Return on equity (ROE)
0.06%Retained earnings to average equity (YTD only)
0.22%Net charge-offs to loans
219.05%Credit loss provision to net charge-offs
8.76%Efficiency ratio
68,111Assets per employee
3.61%Cash dividends to net income (YTD only)
Condition Ratios (%)
99.26%Loss allowance to loans
1.50%Loss allowance to noncurrent loans
112.40%Noncurrent assets plus other real estate owned to assets
1.11%Noncurrent loans to loans
1.33%Net loans and leases to deposits
57.54%Net loans and leases to core deposits
57.54%Equity capital to assets
8.31%Core capital (leverage) ratio
8.15%Tier 1 risk-based capital ratio
14.70%Total risk-based capital ratio
Memoranda
$16Average assets
$17,946Average earning assets
$1,541Average equity
$17,039Average loans
List of branches
1 Illinois Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
6956
Chesterfield State Bank
25 S Main St, Chesterfield, IL 62630
September 21, 1898
Full Service Brick and Mortar
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