Community Banks of Shelby County in city_name, state_name - Detailed Financial Reports, Location

Community Banks of Shelby County in Cowden, Illinois (IL)
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Community Banks of Shelby County routing number info

Community Banks of Shelby County - Overview

General
FDIC Certificate #: 920
Status: Active
Federal Reserve ID: 102539
Bank Holding Company (Regulatory Top Holder): Cowden Bancorp, Inc. (RSSDID: 1204467, Location: Springfield, IL)
Date Established: January 01, 1892
WWW: http://www.communities1st.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 3 (Domestic: 3, Interstate: No)
FDIC's unique #: 595
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: Yes
Asset Concentration Hierarchy: All Other Specialization < 1 Billion
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: March 16, 2012
Last Structure Change Process Date: March 19, 2012
Last Data Update: March 19, 2012
Data Source Date: April 05, 2012
Location
Address: 126 North Grand Ave, Cowden, IL 62422
County: Shelby
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Champaign
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Central
History of Changes
Change in Trust Powers
Financial Summary
Total assets: $45.9 mil
Equity capital: $5.3 mil
Deposits held in domestic offices: $40.4 mil
Return on assets (ROA): 0.68% ($0.3 mil)
Quarterly return on assets: 0.58% ($0.3 mil)
Return on Equity (ROE): 6.14% ($0.3 mil)
Quarterly return on equity: 5.11% ($0.3 mil)
Net income: $0.3 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: 0.68% ($311.9 mil)
Quarterly Pretax return on assets: 0.58% ($266.0 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
20Total employees (full-time equivalent)
$45,865Total assets
$15,523Cash and due from depository institutions
$14,643Interest-bearing balances
$8,798Securities
$0Federal funds sold & reverse repurchase agreements
$20,646Net loans & leases
$215Loan loss allowance
$0Trading account assets
$370Bank premises and fixed assets
$167Other real estate owned
$0Goodwill and other intangibles
$45,865Life insurance assets
$361All other assets
$40,592Total liabilities and capital
$40,353Total liabilities
$35,756Total deposits
$40,353Interest-bearing deposits
$93Deposits held in domestic offices
165.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$74Subordinated debt
$5,273All other liabilities
$5,273Total equity capital
$5,273Total bank equity capital
$0Perpetual preferred stock
$175Common stock
$1,100Surplus
$3,998Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$29Income earned, not collected on loans
$0Earning assets
$260Long-term assets (5+ years)
$44,087Average Assets, year-to-date
$1,252Average Assets, quarterly
$47,365Volatile liabilities
$45,920Insider loans
$24,337FHLB advances
$46,518Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$5,273Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,491Restructured Loans and leases
$14Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$1,666Total interest income
$252Total interest expense
$1,414Net interest income
$2Provision for loan and lease losses
$247Total noninterest income
$0Fiduciary activities
$188Service charges on deposit accounts
$0Trading account gains & fees
$59Additional noninterest income
$1,338Total noninterest expense
$688Salaries and employee benefits
$105Premises and equipment expense
$545Additional noninterest expense
$321Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$321Income before extraordinary items
$0Extraordinary gains - net
$321Net income attributable to bank
$0Net charge-offs
$321Cash dividends
$2Sale, conversion, retirement of capital stock, net
$210Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
3.71%Yield on earning assets
0.56%Cost of funding earning assets
3.15%Net interest margin
0.55%Noninterest income to earning assets
2.98%Noninterest expense to earning assets
0.68%Net operating income to assets
0.68%Return on assets (ROA)
0.68%Pretax return on assets
6.14%Return on equity (ROE)
2.12%Retained earnings to average equity (YTD only)
0.01%Net charge-offs to loans
100.00%Credit loss provision to net charge-offs
161.50%Efficiency ratio
80,554Assets per employee
2.29%Cash dividends to net income (YTD only)
Condition Ratios (%)
65.42%Loss allowance to loans
1.03%Loss allowance to noncurrent loans
741.38%Noncurrent assets plus other real estate owned to assets
0.43%Noncurrent loans to loans
0.14%Net loans and leases to deposits
51.16%Net loans and leases to core deposits
53.33%Equity capital to assets
11.50%Core capital (leverage) ratio
11.34%Tier 1 risk-based capital ratio
21.67%Total risk-based capital ratio
Memoranda
$23Average assets
$47,365Average earning assets
$5,228Average equity
$44,935Average loans

Total Fiduciary and Related Assets (December 31, 2010)

Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
YesFiduciary powers granted
YesFiduciary or related activity
$62Managed Assets
1Number of Accounts
$62Personal trust and agency accounts
$62Employee 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
4Number 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

3 Illinois Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	595	Community Banks Of Shelby County	126 North Grand Ave, Cowden, IL 62422	January 01, 1892	Full Service Brick and Mortar
1	186659	Herrick Facility	3 S. Broadway, Herrick, IL 62431	January 11, 1982	Full Service Brick and Mortar
3	186661	Shelbyville Facility	2202 West Route16 & Dacey Drive, Shelbyville, IL 62565	January 06, 1986	Full Service Brick and Mortar

Community Banks of Shelby County in Cowden, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

Community Banks of Shelby County - 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, 2010)

List of branches

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Community Banks of Shelby County in Cowden, Illinois (IL)Overview, Financial Summary, Detailed Financial Reports, Branches

Community Banks of Shelby County - 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, 2010)

List of branches

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

Community Banks of Shelby County in Cowden, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches