FDIC Certificate #: 10080 Status: Active Federal Reserve ID: 934646 Date Established: January 01, 1888 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 #: 6445 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: March 31, 2006 Last Structure Change Process Date: June 08, 2010 Last Data Update: June 08, 2010 Data Source Date: April 05, 2012
Location
Address: 227 W Main St, Reynolds, IL 61279 County: Rock Island 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 Metropolitan Statistical Area (MSA): Davenport-Moline-Rock Island, IA-IL (#1960) Core Based Statistical Area (CBSA): Davenport-Moline-Rock Island, IA-IL (#19340) CBSA Metro Statistical Area: Davenport-Moline-Rock Island, IA-IL (#19340)
History of Changes
Change in Location
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $96.6 mil Equity capital: $19.9 mil Deposits held in domestic offices: $75.0 mil Return on assets (ROA): 2.28% ($2.2 mil) Quarterly return on assets: 1.28% ($1.2 mil) Return on Equity (ROE): 11.74% ($2.3 mil) Quarterly return on equity: 6.14% ($1.2 mil) Net income: $2.2 mil Quarterly Net income: $0.3 mil Pretax return on assets: 2.89% ($2,793.1 mil) Quarterly Pretax return on assets: 2.90% ($2,802.8 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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)
$96,648Total assets
$3,082Cash and due from depository institutions
$0Interest-bearing balances
$85,131Securities
$0Federal funds sold & reverse repurchase agreements
$7,126Net loans & leases
$110Loan loss allowance
$0Trading account assets
$30Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$96,648Life insurance assets
$1,279All other assets
$76,706Total liabilities and capital
$75,031Total liabilities
$68,234Total deposits
$75,031Interest-bearing deposits
$81Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$1,675Subordinated debt
$19,942All other liabilities
$19,942Total equity capital
$19,942Total bank equity capital
$0Perpetual preferred stock
$300Common stock
$500Surplus
$19,142Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$436Income earned, not collected on loans
$0Earning assets
$1,130Long-term assets (5+ years)
$92,257Average Assets, year-to-date
$77,310Average Assets, quarterly
$94,267Volatile liabilities
$97,356Insider loans
$44,625FHLB advances
$94,238Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$17,729Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$0Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$4,344Total interest income
$1,327Total interest expense
$3,017Net interest income
$0Provision for loan and lease losses
$11Total noninterest income
$0Fiduciary activities
$7Service charges on deposit accounts
$0Trading account gains & fees
$4Additional noninterest income
$680Total noninterest expense
$406Salaries and employee benefits
$28Premises and equipment expense
$246Additional noninterest expense
$2,348Pre-tax net operating income
$376Securities gains (losses)
$572Applicable income taxes
$2,152Income before extraordinary items
$0Extraordinary gains - net
$2,152Net income attributable to bank
$0Net charge-offs
$2,152Cash dividends
-$8Sale, conversion, retirement of capital stock, net
$900Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.87%Yield on earning assets
1.49%Cost of funding earning assets
3.38%Net interest margin
0.01%Noninterest income to earning assets
0.76%Noninterest expense to earning assets
1.97%Net operating income to assets
2.28%Return on assets (ROA)
2.89%Pretax return on assets
11.74%Return on equity (ROE)
6.83%Retained earnings to average equity (YTD only)
-0.13%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
22,457Assets per employee
16.11%Cash dividends to net income (YTD only)
Condition Ratios (%)
41.82%Loss allowance to loans
1.52%Loss allowance to noncurrent loans
25.23%Noncurrent assets plus other real estate owned to assets
0.45%Noncurrent loans to loans
6.03%Net loans and leases to deposits
9.50%Net loans and leases to core deposits
9.59%Equity capital to assets
20.63%Core capital (leverage) ratio
18.81%Tier 1 risk-based capital ratio
39.73%Total risk-based capital ratio
Memoranda
$40Average assets
$94,267Average earning assets
$18,338Average equity
$89,281Average loans
List of branches
1 Illinois Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
6445
Reynolds State Bank
227 W Main St, Reynolds, IL 61279
January 01, 1888
Full Service Brick and Mortar
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