Crossroads Bank in city_name, state_name - Detailed Financial Reports, Location

Crossroads Bank in Effingham, Illinois (IL)
Show street view No street view available for this location

Crossroads Bank routing number info

Crossroads Bank - Overview

General
FDIC Certificate #: 21486
Status: Active
Federal Reserve ID: 158741
Bank Holding Company (Regulatory Top Holder): Omni Bancorp, Inc. (RSSDID: 1139859, Location: Effingham, IL)
Date Established: March 12, 1974
WWW: http://www.crossroadsbank.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)
OTS Docket #: 13726
FDIC's unique #: 14859
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: Commercial Lending Specialization
Date of Deposit Insurance: March 12, 1974
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: 2000 South Banker Street, Effingham, IL 62401
County: Effingham
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Mount Vernon
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Central
Core Based Statistical Area (CBSA): Effingham, IL (#20820)
CBSA Micro Statistical Area: Yes
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $132.6 mil
Equity capital: $17.0 mil
Deposits held in domestic offices: $113.0 mil
Return on assets (ROA): 1.21% ($1.6 mil)
Quarterly return on assets: 1.27% ($1.7 mil)
Return on Equity (ROE): 9.64% ($1.6 mil)
Quarterly return on equity: 9.89% ($1.7 mil)
Net income: $1.6 mil
Quarterly Net income: $0.4 mil
Pretax return on assets: 1.89% ($2,507.0 mil)
Quarterly Pretax return on assets: 1.84% ($2,440.6 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
29Total employees (full-time equivalent)
$132,643Total assets
$8,907Cash and due from depository institutions
$4,542Interest-bearing balances
$21,368Securities
$1,837Federal funds sold & reverse repurchase agreements
$98,473Net loans & leases
$856Loan loss allowance
$0Trading account assets
$723Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$132,643Life insurance assets
$1,335All other assets
$115,653Total liabilities and capital
$113,028Total liabilities
$99,365Total deposits
$113,028Interest-bearing deposits
$96Deposits held in domestic offices
1759.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$866Subordinated debt
$16,990All other liabilities
$16,990Total equity capital
$16,990Total bank equity capital
$0Perpetual preferred stock
$400Common stock
$2,900Surplus
$13,690Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$676Income earned, not collected on loans
$0Earning assets
$504Long-term assets (5+ years)
$126,220Average Assets, year-to-date
$22,656Average Assets, quarterly
$132,155Volatile liabilities
$132,738Insider loans
$105,980FHLB advances
$133,481Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$16,611Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$10,420Restructured Loans and leases
$3,073Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$6,008Total interest income
$1,574Total interest expense
$4,434Net interest income
$94Provision for loan and lease losses
$668Total noninterest income
$13Fiduciary activities
$348Service charges on deposit accounts
$0Trading account gains & fees
$307Additional noninterest income
$2,510Total noninterest expense
$1,222Salaries and employee benefits
$276Premises and equipment expense
$1,012Additional noninterest expense
$2,498Pre-tax net operating income
$0Securities gains (losses)
$905Applicable income taxes
$1,593Income before extraordinary items
$0Extraordinary gains - net
$1,593Net income attributable to bank
$0Net charge-offs
$1,593Cash dividends
$65Sale, conversion, retirement of capital stock, net
$539Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.75%Yield on earning assets
1.24%Cost of funding earning assets
3.51%Net interest margin
0.53%Noninterest income to earning assets
1.99%Noninterest expense to earning assets
1.21%Net operating income to assets
1.21%Return on assets (ROA)
1.89%Pretax return on assets
9.64%Return on equity (ROE)
6.38%Retained earnings to average equity (YTD only)
0.07%Net charge-offs to loans
144.62%Credit loss provision to net charge-offs
39.88%Efficiency ratio
49,196Assets per employee
4.57%Cash dividends to net income (YTD only)
Condition Ratios (%)
33.84%Loss allowance to loans
0.86%Loss allowance to noncurrent loans
126.63%Noncurrent assets plus other real estate owned to assets
0.51%Noncurrent loans to loans
0.68%Net loans and leases to deposits
87.12%Net loans and leases to core deposits
89.03%Equity capital to assets
12.81%Core capital (leverage) ratio
12.44%Tier 1 risk-based capital ratio
15.67%Total risk-based capital ratio
Memoranda
$16Average assets
$132,155Average earning assets
$16,517Average equity
$126,431Average 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
$2,603Managed Assets
1Number of Accounts
$1,953Personal trust and agency accounts
$1,953Employee 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
21Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$650Other retirement accounts
$0Corporate trust and agency accounts
$0Other fiduciary accounts
$650Fiduciary 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	14859	Crossroads Bank	2000 South Banker Street, Effingham, IL 62401	March 12, 1974	Full Service Brick and Mortar
1	252940	Keller Drive Facility	806 North Keller Drive, Effingham, IL 62401	November 24, 1987	Full Service Brick and Mortar

Crossroads Bank in Effingham, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

Crossroads Bank - 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:

Crossroads Bank in Effingham, Illinois (IL)Overview, Financial Summary, Detailed Financial Reports, Branches

Crossroads Bank - 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:

Crossroads Bank in Effingham, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches