FDIC Certificate #: 18855 Status: Active Federal Reserve ID: 156635 Date Established: August 19, 1963 WWW:http://www.colchesterstatebank.com 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 #: 12710 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: 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: All Other Specialization < 1 Billion Date of Deposit Insurance: August 19, 1963 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: 113 Depot Street, Colchester, IL 62326 County: Mcdonough 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): Macomb, IL (#31380) CBSA Micro Statistical Area: Yes
History of Changes
Change in Location
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $56.5 mil Equity capital: $6.5 mil Deposits held in domestic offices: $49.6 mil Return on assets (ROA): 1.09% ($0.6 mil) Quarterly return on assets: 0.64% ($0.4 mil) Return on Equity (ROE): 9.86% ($0.7 mil) Quarterly return on equity: 5.47% ($0.4 mil) Net income: $0.6 mil Quarterly Net income: $0.1 mil Pretax return on assets: 1.79% ($1,011.4 mil) Quarterly Pretax return on assets: 1.33% ($751.5 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
9Total employees (full-time equivalent)
$56,502Total assets
$3,171Cash and due from depository institutions
$248Interest-bearing balances
$27,543Securities
$0Federal funds sold & reverse repurchase agreements
$24,958Net loans & leases
$626Loan loss allowance
$0Trading account assets
$474Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$56,502Life insurance assets
$356All other assets
$49,956Total liabilities and capital
$49,564Total liabilities
$41,124Total deposits
$49,564Interest-bearing deposits
$92Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$392Subordinated debt
$6,546All other liabilities
$6,546Total equity capital
$6,546Total bank equity capital
$0Perpetual preferred stock
$80Common stock
$770Surplus
$5,696Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$195Income earned, not collected on loans
$0Earning assets
$293Long-term assets (5+ years)
$52,749Average Assets, year-to-date
$27,665Average Assets, quarterly
$55,425Volatile liabilities
$55,845Insider loans
$27,424FHLB advances
$54,616Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$6,032Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$731Restructured Loans and leases
$324Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,431Total interest income
$515Total interest expense
$1,916Net interest income
$143Provision for loan and lease losses
$293Total noninterest income
$0Fiduciary activities
$209Service charges on deposit accounts
$0Trading account gains & fees
$84Additional noninterest income
$1,122Total noninterest expense
$643Salaries and employee benefits
$69Premises and equipment expense
$410Additional noninterest expense
$944Pre-tax net operating income
$46Securities gains (losses)
$384Applicable income taxes
$606Income before extraordinary items
$0Extraordinary gains - net
$606Net income attributable to bank
$0Net charge-offs
$606Cash dividends
$2Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.62%Yield on earning assets
0.98%Cost of funding earning assets
3.64%Net interest margin
0.56%Noninterest income to earning assets
2.13%Noninterest expense to earning assets
1.04%Net operating income to assets
1.09%Return on assets (ROA)
1.79%Pretax return on assets
9.86%Return on equity (ROE)
9.86%Retained earnings to average equity (YTD only)
0.01%Net charge-offs to loans
7150.00%Credit loss provision to net charge-offs
543.50%Efficiency ratio
50,792Assets per employee
6.28%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.45%Loss allowance to noncurrent loans
321.03%Noncurrent assets plus other real estate owned to assets
0.35%Noncurrent loans to loans
0.76%Net loans and leases to deposits
50.36%Net loans and leases to core deposits
52.95%Equity capital to assets
11.59%Core capital (leverage) ratio
11.04%Tier 1 risk-based capital ratio
22.00%Total risk-based capital ratio
Memoranda
$23Average assets
$55,425Average earning assets
$6,143Average equity
$52,648Average loans
List of branches
1 Illinois Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
12710
Colchester State Bank
113 Depot Street, Colchester, IL 62326
August 19, 1963
Full Service Brick and Mortar
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