FDIC Certificate #: 5765 Status: Active Federal Reserve ID: 490544 Date Established: January 01, 1919 WWW:http://www.kinderhookbank.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 #: 3932 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: No Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: June 02, 2010 Last Structure Change Process Date: June 02, 2010 Last Data Update: June 02, 2010 Data Source Date: April 05, 2012
Location
Address: 175 W Quincy St., Kinderhook, IL 62345 County: Pike 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
History of Changes
Change in Location
Financial Summary
Total assets: $15.2 mil Equity capital: $1.4 mil Deposits held in domestic offices: $13.7 mil Return on assets (ROA): -0.30% (-$0.0 mil) Quarterly return on assets: -0.50% (-$0.1 mil) Return on Equity (ROE): -3.31% (-$0.0 mil) Quarterly return on equity: -5.37% (-$0.1 mil) Net income: -$0.0 mil Quarterly Net income: -$0.0 mil Pretax return on assets: -0.30% (-$45.6 mil) Quarterly Pretax return on assets: -0.50% (-$76.1 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
6Total employees (full-time equivalent)
$15,213Total assets
$1,584Cash and due from depository institutions
$748Interest-bearing balances
$2,489Securities
$904Federal funds sold & reverse repurchase agreements
$9,417Net loans & leases
$82Loan loss allowance
$0Trading account assets
$445Bank premises and fixed assets
$49Other real estate owned
$0Goodwill and other intangibles
$15,213Life insurance assets
$325All other assets
$13,810Total liabilities and capital
$13,712Total liabilities
$10,873Total deposits
$13,712Interest-bearing deposits
$95Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$98Subordinated debt
$1,403All other liabilities
$1,403Total equity capital
$1,403Total bank equity capital
$875Perpetual preferred stock
$51Common stock
$850Surplus
$-373Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$24Income earned, not collected on loans
$0Earning assets
$163Long-term assets (5+ years)
$13,558Average Assets, year-to-date
$2,315Average Assets, quarterly
$15,460Volatile liabilities
$15,169Insider loans
$10,788FHLB advances
$15,052Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$1,359Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,942Restructured Loans and leases
$544Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$683Total interest income
$202Total interest expense
$481Net interest income
$0Provision for loan and lease losses
$99Total noninterest income
$0Fiduciary activities
$40Service charges on deposit accounts
$0Trading account gains & fees
$59Additional noninterest income
$627Total noninterest expense
$345Salaries and employee benefits
$87Premises and equipment expense
$195Additional noninterest expense
-$47Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
-$47Income before extraordinary items
$0Extraordinary gains - net
-$47Net income attributable to bank
$0Net charge-offs
-$47Cash dividends
$5Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.96%Yield on earning assets
1.47%Cost of funding earning assets
3.49%Net interest margin
0.72%Noninterest income to earning assets
4.55%Noninterest expense to earning assets
-0.30%Net operating income to assets
-0.30%Return on assets (ROA)
-0.30%Pretax return on assets
-3.31%Return on equity (ROE)
-3.31%Retained earnings to average equity (YTD only)
0.06%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
-9.40%Efficiency ratio
108,103Assets per employee
2.54%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.86%Loss allowance to noncurrent loans
341.67%Noncurrent assets plus other real estate owned to assets
0.48%Noncurrent loans to loans
0.25%Net loans and leases to deposits
68.68%Net loans and leases to core deposits
72.12%Equity capital to assets
9.22%Core capital (leverage) ratio
9.03%Tier 1 risk-based capital ratio
12.60%Total risk-based capital ratio
Memoranda
$13Average assets
$15,460Average earning assets
$1,418Average equity
$13,777Average loans
List of branches
1 Illinois Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
3932
Kinderhook State Bank
175 W Quincy St., Kinderhook, IL 62345
January 01, 1919
Full Service Brick and Mortar
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