FDIC Certificate #: 12087 Status: Active Federal Reserve ID: 452841 Bank Holding Company (Regulatory Top Holder): Spring Valley Bancorp, Inc. (RSSDID: 1139596, Location: Spring Valley, IL) Date Established: November 01, 1905 WWW:http://www.svcb.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 #: 7680 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: 315 North Cornelia Street, Spring Valley, IL 61362 County: Bureau 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 Core Based Statistical Area (CBSA): Ottawa-Streator, IL (#36860) CBSA Micro Statistical Area: Yes
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $196.8 mil Equity capital: $24.8 mil Deposits held in domestic offices: $169.6 mil Return on assets (ROA): 0.81% ($1.6 mil) Quarterly return on assets: 0.35% ($0.7 mil) Return on Equity (ROE): 6.54% ($1.6 mil) Quarterly return on equity: 2.73% ($0.7 mil) Net income: $1.6 mil Quarterly Net income: $0.2 mil Pretax return on assets: 1.05% ($2,066.8 mil) Quarterly Pretax return on assets: 0.25% ($492.1 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
31Total employees (full-time equivalent)
$196,842Total assets
$9,401Cash and due from depository institutions
$7,293Interest-bearing balances
$82,450Securities
$0Federal funds sold & reverse repurchase agreements
$100,326Net loans & leases
$2,573Loan loss allowance
$0Trading account assets
$626Bank premises and fixed assets
$148Other real estate owned
$0Goodwill and other intangibles
$196,842Life insurance assets
$3,891All other assets
$172,049Total liabilities and capital
$169,649Total liabilities
$154,163Total deposits
$169,649Interest-bearing deposits
$85Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$2,400Subordinated debt
$24,793All other liabilities
$24,793Total equity capital
$24,793Total bank equity capital
$0Perpetual preferred stock
$864Common stock
$3,386Surplus
$20,543Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$2,716Income earned, not collected on loans
$0Earning assets
$1,312Long-term assets (5+ years)
$190,069Average Assets, year-to-date
$116,523Average Assets, quarterly
$194,263Volatile liabilities
$194,919Insider loans
$97,697FHLB advances
$197,043Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$23,207Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$8,221Restructured Loans and leases
$1,736Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$8,469Total interest income
$1,979Total interest expense
$6,490Net interest income
$1,200Provision for loan and lease losses
$447Total noninterest income
$0Fiduciary activities
$235Service charges on deposit accounts
$0Trading account gains & fees
$212Additional noninterest income
$3,693Total noninterest expense
$1,702Salaries and employee benefits
$290Premises and equipment expense
$1,701Additional noninterest expense
$2,044Pre-tax net operating income
$3Securities gains (losses)
$476Applicable income taxes
$1,571Income before extraordinary items
$0Extraordinary gains - net
$1,571Net income attributable to bank
$0Net charge-offs
$1,571Cash dividends
$170Sale, conversion, retirement of capital stock, net
$810Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.50%Yield on earning assets
1.05%Cost of funding earning assets
3.45%Net interest margin
0.24%Noninterest income to earning assets
1.96%Noninterest expense to earning assets
0.81%Net operating income to assets
0.81%Return on assets (ROA)
1.05%Pretax return on assets
6.54%Return on equity (ROE)
3.17%Retained earnings to average equity (YTD only)
0.17%Net charge-offs to loans
705.88%Credit loss provision to net charge-offs
19.08%Efficiency ratio
53,236Assets per employee
6.35%Cash dividends to net income (YTD only)
Condition Ratios (%)
51.56%Loss allowance to loans
2.50%Loss allowance to noncurrent loans
94.73%Noncurrent assets plus other real estate owned to assets
1.45%Noncurrent loans to loans
2.64%Net loans and leases to deposits
59.14%Net loans and leases to core deposits
60.61%Equity capital to assets
12.60%Core capital (leverage) ratio
11.78%Tier 1 risk-based capital ratio
23.75%Total risk-based capital ratio
Memoranda
$25Average assets
$194,263Average earning assets
$24,030Average equity
$188,146Average loans
List of branches
1 Illinois Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
7680
Spring Valley City Bank
315 North Cornelia Street, Spring Valley, IL 61362
November 01, 1905
Full Service Brick and Mortar
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