FDIC Certificate #: 11716 Status: Active Federal Reserve ID: 799939 Date Established: March 13, 1901 Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 7490 Numeric code: 13 Regulator: FED 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: No 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: 101 North Second, Hartsburg, IL 62643 County: Logan 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): Lincoln, IL (#30660) CBSA Micro Statistical Area: Yes
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $18.4 mil Equity capital: $1.5 mil Deposits held in domestic offices: $16.6 mil Return on assets (ROA): -2.82% (-$0.5 mil) Quarterly return on assets: -12.11% (-$2.2 mil) Return on Equity (ROE): -27.17% (-$0.3 mil) Quarterly return on equity: -130.74% (-$1.3 mil) Net income: -$0.5 mil Quarterly Net income: -$0.6 mil Pretax return on assets: -2.82% (-$517.9 mil) Quarterly Pretax return on assets: -12.74% (-$2,340.0 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
2Total employees (full-time equivalent)
$18,367Total assets
$4,373Cash and due from depository institutions
$4,324Interest-bearing balances
$2,773Securities
$0Federal funds sold & reverse repurchase agreements
$10,804Net loans & leases
$114Loan loss allowance
$0Trading account assets
$62Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$18,367Life insurance assets
$355All other assets
$16,889Total liabilities and capital
$16,643Total liabilities
$12,781Total deposits
$16,643Interest-bearing deposits
$98Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$246Subordinated debt
$1,478All other liabilities
$1,478Total equity capital
$1,478Total bank equity capital
$0Perpetual preferred stock
$600Common stock
$440Surplus
$438Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$155Income earned, not collected on loans
$0Earning assets
$213Long-term assets (5+ years)
$17,901Average Assets, year-to-date
$2,266Average Assets, quarterly
$18,655Volatile liabilities
$19,159Insider loans
$11,817FHLB advances
$19,159Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$1,459Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,165Restructured Loans and leases
$302Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$561Total interest income
$146Total interest expense
$415Net interest income
$431Provision for loan and lease losses
$125Total noninterest income
$0Fiduciary activities
$24Service charges on deposit accounts
$0Trading account gains & fees
$101Additional noninterest income
$635Total noninterest expense
$196Salaries and employee benefits
$4Premises and equipment expense
$435Additional noninterest expense
-$526Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
-$526Income before extraordinary items
$0Extraordinary gains - net
-$526Net income attributable to bank
$0Net charge-offs
-$526Cash dividends
$381Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.84%Yield on earning assets
1.00%Cost of funding earning assets
2.84%Net interest margin
0.86%Noninterest income to earning assets
4.35%Noninterest expense to earning assets
-2.82%Net operating income to assets
-2.82%Return on assets (ROA)
-2.82%Pretax return on assets
-27.17%Return on equity (ROE)
-27.17%Retained earnings to average equity (YTD only)
3.58%Net charge-offs to loans
113.12%Credit loss provision to net charge-offs
-0.25%Efficiency ratio
117,593Assets per employee
9.18%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.04%Loss allowance to noncurrent loans
73.55%Noncurrent assets plus other real estate owned to assets
0.84%Noncurrent loans to loans
1.42%Net loans and leases to deposits
64.92%Net loans and leases to core deposits
69.32%Equity capital to assets
8.05%Core capital (leverage) ratio
7.62%Tier 1 risk-based capital ratio
12.35%Total risk-based capital ratio
Memoranda
$13Average assets
$18,655Average earning assets
$1,936Average equity
$14,612Average loans
List of branches
1 Illinois Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
7490
Hartsburg State Bank
101 North Second, Hartsburg, IL 62643
March 13, 1901
Full Service Brick and Mortar
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