Rock River Bank in Oregon, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of July 02, 2009

  • Rock River Bank in Oregon, Illinois (IL)
  • Show street view No street view available for this location

Rock River Bank - Overview

  • General
  • FDIC Certificate #: 15302
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: The Harvard State Bank (#9079)
    Federal Reserve ID: 732945
    Date Established: November 18, 1935
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Interstate: No)
    FDIC's unique #: 9643
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: November 18, 1935
    Last Structure Change Effective Date: July 02, 2009
    Last Structure Change Process Date: July 06, 2009
    Last Data Update: July 06, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 101 South Fourth Street, Oregon, IL 61061
    County: Ogle
    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): Rockford, IL (#6880)
    Combined Statistical Area (CSA): Rockford-Freeport-Rochelle, IL (#466)
    Core Based Statistical Area (CBSA): Rochelle, IL (#40300)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Absorption - Assisted
    Corrections
  • Financial Summary
  • Total assets: $74.8 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, 2008)

  • Dollar figures in thousands
  • 25Total employees (full-time equivalent)
  • $77,332Total assets
  • $1,778Cash and due from depository institutions
  • $2Interest-bearing balances
  • $19,931Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $53,266Net loans & leases
  • $772Loan loss allowance
  • $0Trading account assets
  • $708Bank premises and fixed assets
  • $59Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $1,590All other assets
  • $77,332Total liabilities and capital
  • $73,469Total liabilities
  • $66,364Total deposits
  • $54,615Interest-bearing deposits
  • $66,364Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $3,037Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $3,900Other borrowed funds
  • $0Subordinated debt
  • $168All other liabilities
  • $3,863Total equity capital
  • $3,863Total bank equity capital
  • $3,863Perpetual preferred stock
  • $0Common stock
  • $200Surplus
  • $2,520Undivided profits
  • Memoranda
  • $1,143Noncurrent loans and leases
  • $5,537Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $2,721Earning assets
  • $0Long-term assets (5+ years)
  • $294Average Assets, year-to-date
  • $73,199Average Assets, quarterly
  • $2,741Volatile liabilities
  • $87,737Insider loans
  • $83,748FHLB advances
  • $19,568Loans and leases held for sale
  • $1,519Unused loan commitments
  • $3,900Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $5,537Total unused commitments
  • $1,598Restructured Loans and leases
  • $741Derivatives

Income and Expense (December 31, 2008)

  • Dollar figures in thousands
  • $5,247Total interest income
  • $1,846Total interest expense
  • $3,401Net interest income
  • $1,477Provision for loan and lease losses
  • $485Total noninterest income
  • $0Fiduciary activities
  • $328Service charges on deposit accounts
  • $0Trading account gains & fees
  • $157Additional noninterest income
  • $2,374Total noninterest expense
  • $999Salaries and employee benefits
  • $218Premises and equipment expense
  • $1,157Additional noninterest expense
  • $35Pre-tax net operating income
  • -$627Securities gains (losses)
  • -$4Applicable income taxes
  • -$588Income before extraordinary items
  • $0Extraordinary gains - net
  • -$588Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $1,130Sale, conversion, retirement of capital stock, net
  • $425Net operating income

Performance and Condition Ratios (December 31, 2008)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.31%Yield on earning assets
  • 2.22%Cost of funding earning assets
  • 4.09%Net interest margin
  • 0.58%Noninterest income to earning assets
  • 2.85%Noninterest expense to earning assets
  • 0.04%Net operating income to assets
  • -0.67%Return on assets (ROA)
  • -0.67%Pretax return on assets
  • -11.02%Return on equity (ROE)
  • -18.99%Retained earnings to average equity (YTD only)
  • 2.05%Net charge-offs to loans
  • 130.71%Credit loss provision to net charge-offs
  • 1.34%Efficiency ratio
  • 61,091Assets per employee
  • 3.09%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • -72.28%Loss allowance to loans
  • 1.43%Loss allowance to noncurrent loans
  • 28.37%Noncurrent assets plus other real estate owned to assets
  • 5.05%Noncurrent loans to loans
  • 5.04%Net loans and leases to deposits
  • 80.26%Net loans and leases to core deposits
  • 99.13%Equity capital to assets
  • 5.00%Core capital (leverage) ratio
  • 6.01%Tier 1 risk-based capital ratio
  • 9.21%Total risk-based capital ratio
  • Memoranda
  • $10Average assets
  • $87,737Average earning assets
  • $5,334Average equity
  • $83,160Average loans

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