FDIC Certificate #: 8494 Status: Active Federal Reserve ID: 941233 Bank Holding Company (Regulatory Top Holder): Henry State Bancorp, Inc. (RSSDID: 3021015, Location: Henry, IL) Date Established: January 01, 1903 WWW:http://www.henrystatebank.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 #: 5407 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: 700 Second Street, Henry, IL 61537 County: Marshall Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Chicago FDIC Field Office: Princeton Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: Central Combined Statistical Area (CSA): Peoria-Canton, IL (#426) Core Based Statistical Area (CBSA): Peoria, IL (#37900) CBSA Metro Statistical Area: Peoria, IL (#37900)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $109.7 mil Equity capital: $13.0 mil Deposits held in domestic offices: $89.3 mil Return on assets (ROA): 0.97% ($1.1 mil) Quarterly return on assets: -0.49% (-$0.5 mil) Return on Equity (ROE): 8.08% ($1.1 mil) Quarterly return on equity: -4.00% (-$0.5 mil) Net income: $1.0 mil Quarterly Net income: -$0.1 mil Pretax return on assets: 0.98% ($1,074.9 mil) Quarterly Pretax return on assets: -0.49% (-$537.5 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
18Total employees (full-time equivalent)
$109,687Total assets
$4,703Cash and due from depository institutions
$2,401Interest-bearing balances
$36,034Securities
$0Federal funds sold & reverse repurchase agreements
$64,206Net loans & leases
$1,870Loan loss allowance
$0Trading account assets
$426Bank premises and fixed assets
$159Other real estate owned
$0Goodwill and other intangibles
$109,687Life insurance assets
$4,159All other assets
$96,645Total liabilities and capital
$89,262Total liabilities
$77,276Total deposits
$89,262Interest-bearing deposits
$91Deposits held in domestic offices
2885.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$3,800Trading liabilities
$0Other borrowed funds
$698Subordinated debt
$13,042All other liabilities
$13,042Total equity capital
$13,042Total bank equity capital
$0Perpetual preferred stock
$300Common stock
$3,400Surplus
$9,342Undivided profits
Memoranda
$0Noncurrent loans and leases
$212Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$430Income earned, not collected on loans
$0Earning assets
$1,133Long-term assets (5+ years)
$102,641Average Assets, year-to-date
$42,830Average Assets, quarterly
$106,554Volatile liabilities
$108,688Insider loans
$72,834FHLB advances
$107,008Loans and leases held for sale
$1,678Unused loan commitments
$1,678Tier 1 (core) risk-based capital
$12,601Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$11,508Restructured Loans and leases
$2,773Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$4,731Total interest income
$1,259Total interest expense
$3,472Net interest income
$578Provision for loan and lease losses
$264Total noninterest income
$0Fiduciary activities
$72Service charges on deposit accounts
$0Trading account gains & fees
$192Additional noninterest income
$2,134Total noninterest expense
$1,202Salaries and employee benefits
$208Premises and equipment expense
$724Additional noninterest expense
$1,024Pre-tax net operating income
$24Securities gains (losses)
$11Applicable income taxes
$1,037Income before extraordinary items
$0Extraordinary gains - net
$1,037Net income attributable to bank
$0Net charge-offs
$1,037Cash dividends
$3Sale, conversion, retirement of capital stock, net
$424Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.73%Yield on earning assets
1.26%Cost of funding earning assets
3.47%Net interest margin
0.26%Noninterest income to earning assets
2.14%Noninterest expense to earning assets
0.95%Net operating income to assets
0.97%Return on assets (ROA)
0.98%Pretax return on assets
8.08%Return on equity (ROE)
4.77%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
19266.67%Credit loss provision to net charge-offs
534.00%Efficiency ratio
57,120Assets per employee
6.09%Cash dividends to net income (YTD only)
Condition Ratios (%)
40.89%Loss allowance to loans
2.83%Loss allowance to noncurrent loans
434.88%Noncurrent assets plus other real estate owned to assets
0.54%Noncurrent loans to loans
0.65%Net loans and leases to deposits
71.93%Net loans and leases to core deposits
77.28%Equity capital to assets
11.89%Core capital (leverage) ratio
11.78%Tier 1 risk-based capital ratio
17.30%Total risk-based capital ratio
Memoranda
$19Average assets
$106,554Average earning assets
$12,841Average equity
$99,916Average loans
List of branches
1 Illinois Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
5407
Henry State Bank
700 Second Street, Henry, IL 61537
January 01, 1903
Full Service Brick and Mortar
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