South Side Trust & Savings Bank of Peoria in Peoria, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • South Side Trust & Savings Bank of Peoria in Peoria, Illinois (IL)
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South Side Trust & Savings Bank of Peoria routing number info

South Side Trust & Savings Bank of Peoria - Overview

  • General
  • FDIC Certificate #: 12082
    Status: Active
    Federal Reserve ID: 662640
    Bank Holding Company (Regulatory Top Holder): Mid Illinois Bancorp, Inc. (RSSDID: 1208513, Location: Peoria, IL)
    Date Established: January 02, 1922
    WWW: http://www.southsidebank.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 14 (Domestic: 14, Interstate: No)
    OTS Docket #: 12082
    FDIC's unique #: 7678
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    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: 2119 S.W. Adams Street, Peoria, IL 61602
    County: Peoria
    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): Peoria-Pekin, IL (#6120)
    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: $668.3 mil
    Equity capital: $72.7 mil
    Deposits held in domestic offices: $535.4 mil
    Return on assets (ROA): 1.03% ($6.9 mil)
    Quarterly return on assets: 0.96% ($6.4 mil)
    Return on Equity (ROE): 9.62% ($7.0 mil)
    Quarterly return on equity: 8.82% ($6.4 mil)
    Net income: $6.8 mil
    Quarterly Net income: $1.6 mil
    Pretax return on assets: 1.58% ($10,558.5 mil)
    Quarterly Pretax return on assets: 1.57% ($10,491.7 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
  • 175Total employees (full-time equivalent)
  • $668,261Total assets
  • $41,063Cash and due from depository institutions
  • $4Interest-bearing balances
  • $235,270Securities
  • $3,853Federal funds sold & reverse repurchase agreements
  • $344,343Net loans & leases
  • $4,900Loan loss allowance
  • $0Trading account assets
  • $11,889Bank premises and fixed assets
  • $255Other real estate owned
  • $563Goodwill and other intangibles
  • $668,261Life insurance assets
  • $31,025All other assets
  • $595,533Total liabilities and capital
  • $535,414Total liabilities
  • $484,460Total deposits
  • $535,414Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 52947.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,500Trading liabilities
  • $0Other borrowed funds
  • $5,672Subordinated debt
  • $72,728All other liabilities
  • $72,728Total equity capital
  • $72,728Total bank equity capital
  • $0Perpetual preferred stock
  • $1,620Common stock
  • $7,261Surplus
  • $63,847Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $11,010Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,028Income earned, not collected on loans
  • $0Earning assets
  • $2,216Long-term assets (5+ years)
  • $583,470Average Assets, year-to-date
  • $349,324Average Assets, quarterly
  • $658,192Volatile liabilities
  • $666,340Insider loans
  • $368,285FHLB advances
  • $664,436Loans and leases held for sale
  • $15,560Unused loan commitments
  • $6,806Tier 1 (core) risk-based capital
  • $70,511Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $8,754Total unused commitments
  • $60,774Restructured Loans and leases
  • $5,067Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $25,363Total interest income
  • $4,873Total interest expense
  • $20,490Net interest income
  • $1,120Provision for loan and lease losses
  • $6,343Total noninterest income
  • $1,686Fiduciary activities
  • $1,502Service charges on deposit accounts
  • $0Trading account gains & fees
  • $3,155Additional noninterest income
  • $15,580Total noninterest expense
  • $9,517Salaries and employee benefits
  • $1,750Premises and equipment expense
  • $4,313Additional noninterest expense
  • $10,133Pre-tax net operating income
  • $266Securities gains (losses)
  • $3,649Applicable income taxes
  • $6,750Income before extraordinary items
  • $0Extraordinary gains - net
  • $6,750Net income attributable to bank
  • $0Net charge-offs
  • $6,750Cash dividends
  • $382Sale, conversion, retirement of capital stock, net
  • $2,190Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.37%Yield on earning assets
  • 0.84%Cost of funding earning assets
  • 3.53%Net interest margin
  • 1.09%Noninterest income to earning assets
  • 2.68%Noninterest expense to earning assets
  • 1.00%Net operating income to assets
  • 1.03%Return on assets (ROA)
  • 1.58%Pretax return on assets
  • 9.62%Return on equity (ROE)
  • 6.50%Retained earnings to average equity (YTD only)
  • 0.11%Net charge-offs to loans
  • 293.19%Credit loss provision to net charge-offs
  • 29.46%Efficiency ratio
  • 58,063Assets per employee
  • 3.82%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 32.44%Loss allowance to loans
  • 1.40%Loss allowance to noncurrent loans
  • 241.62%Noncurrent assets plus other real estate owned to assets
  • 0.34%Noncurrent loans to loans
  • 0.58%Net loans and leases to deposits
  • 64.31%Net loans and leases to core deposits
  • 67.91%Equity capital to assets
  • 10.88%Core capital (leverage) ratio
  • 10.61%Tier 1 risk-based capital ratio
  • 19.15%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $658,192Average earning assets
  • $70,176Average equity
  • $580,350Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $284,842Managed Assets
  • 1Number of Accounts
  • $201,044Personal trust and agency accounts
  • $95,937Employee benefit-defined contribution accounts
  • $2,361Employee benefit-defined benefit accounts
  • $13,515Other retirement accounts
  • $25,950Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $63,280Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $1Non-managed Assets
  • 740Number of Accounts
  • $0Personal trust and agency accounts
  • $25,950Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $83,798Other retirement accounts
  • $25,398Corporate trust and agency accounts
  • $33,059Other fiduciary accounts
  • $24,264Fiduciary accounts held in foreign offices

List of branches

  • 14 Illinois Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    07678South Side Trust & Savings Bank Of P2119 S.W. Adams Street, Peoria, IL 61602January 02, 1922Full Service Brick and Mortar
    1226319West Peoria Facility2421-2427 West Rohmann Avenue, Peoria, IL 61604August 26, 1977Full Service Brick and Mortar
    2226320Northpoint Facility8919 North Knoxville Avenue, Peoria, IL 61615November 27, 1984Full Service Brick and Mortar
    3226321Garfield Branch1400-1406 West Garfield Avenue, Bartonville, IL 61607April 18, 1988Full Service Brick and Mortar
    442247917 North Fourth Street Branch917 North Fourth Street, Chillicothe, IL 61523January 01, 1888Full Service Brick and Mortar
    8226322West Willow Knolls Branch4100 West Willow Knolls Road, Peoria, IL 61615March 06, 1993Full Service Brick and Mortar
    9226323101 S.W. Adams Branch101 S.W. Adams Street, Peoria, IL 61602October 04, 1993Full Service Brick and Mortar
    10226324Big Hollow Road Branch5001 North Big Hollow Road, Peoria, IL 61615November 08, 1994Full Service Brick and Mortar
    11226325Hamilton Branch414 1/2 Hamilton Boulevard, Peoria, IL 61602May 19, 1997Limited Service Facility
    13226327East Peoria Branch118 Cole Street, East Peoria, IL 61611December 01, 1998Full Service Brick and Mortar
    14357241South Side Branch2119 Sw Adams, Peoria, IL 61602April 15, 1998Limited Service Mobile
    15469124Washington Il Branch2 Saint Claire Court, Washington, IL 61571October 22, 2007Full Service Brick and Mortar
    16489382Sheridan Road Branch4520 North Sheridan Road, Peoria, IL 61614March 02, 2009Full Service Brick and Mortar
    17519099Pekin Il Branch3200 Veterans Drive, Pekin, IL 61554May 02, 2011Full Service Brick and Mortar

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