State Bank of Bement in city_name, state_name - Detailed Financial Reports, Location

State Bank of Bement in Bement, Illinois (IL)
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State Bank of Bement routing number info

State Bank of Bement - Overview

General
FDIC Certificate #: 10855
Status: Active
Federal Reserve ID: 439730
Bank Holding Company (Regulatory Top Holder): Bement Bancshares, Inc. (RSSDID: 1205923, Location: Bement, IL)
Date Established: January 17, 1914
WWW: http://www.bankbement.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Domestic: 2, Interstate: No)
FDIC's unique #: 6944
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: December 03, 2011
Last Structure Change Process Date: December 13, 2011
Last Data Update: December 13, 2011
Data Source Date: April 05, 2012
Location
Address: 180 East Bodman Street, Bement, IL 61813
County: Piatt
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Champaign
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Central
Core Based Statistical Area (CBSA): Champaign-Urbana, IL (#16580)
CBSA Metro Statistical Area: Champaign-Urbana, IL (#16580)
History of Changes
Participated in Absorption/Consolidation/Merger
Financial Summary
Total assets: $77.6 mil
Equity capital: $11.2 mil
Deposits held in domestic offices: $66.3 mil
Return on assets (ROA): 0.46% ($0.4 mil)
Quarterly return on assets: 0.66% ($0.5 mil)
Return on Equity (ROE): 3.18% ($0.3 mil)
Quarterly return on equity: 4.54% ($0.5 mil)
Net income: $0.4 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: 0.49% ($380.2 mil)
Quarterly Pretax return on assets: 0.63% ($488.9 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
23Total employees (full-time equivalent)
$77,596Total assets
$11,319Cash and due from depository institutions
$7,828Interest-bearing balances
$17,553Securities
$318Federal funds sold & reverse repurchase agreements
$45,415Net loans & leases
$412Loan loss allowance
$0Trading account assets
$1,119Bank premises and fixed assets
$398Other real estate owned
$0Goodwill and other intangibles
$77,596Life insurance assets
$1,474All other assets
$66,364Total liabilities and capital
$66,253Total liabilities
$55,036Total deposits
$66,253Interest-bearing deposits
$97Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$111Subordinated debt
$11,232All other liabilities
$11,232Total equity capital
$11,232Total bank equity capital
$0Perpetual preferred stock
$225Common stock
$1,625Surplus
$9,382Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$754Income earned, not collected on loans
$0Earning assets
$905Long-term assets (5+ years)
$71,114Average Assets, year-to-date
$9,646Average Assets, quarterly
$77,103Volatile liabilities
$77,425Insider loans
$53,895FHLB advances
$78,621Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$11,215Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$9,535Restructured Loans and leases
$2,339Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$3,090Total interest income
$314Total interest expense
$2,776Net interest income
$92Provision for loan and lease losses
$617Total noninterest income
$99Fiduciary activities
$260Service charges on deposit accounts
$0Trading account gains & fees
$258Additional noninterest income
$2,922Total noninterest expense
$1,664Salaries and employee benefits
$324Premises and equipment expense
$934Additional noninterest expense
$379Pre-tax net operating income
$0Securities gains (losses)
$22Applicable income taxes
$357Income before extraordinary items
$0Extraordinary gains - net
$357Net income attributable to bank
$0Net charge-offs
$357Cash dividends
$249Sale, conversion, retirement of capital stock, net
$226Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.44%Yield on earning assets
0.45%Cost of funding earning assets
3.99%Net interest margin
0.89%Noninterest income to earning assets
4.20%Noninterest expense to earning assets
0.46%Net operating income to assets
0.46%Return on assets (ROA)
0.49%Pretax return on assets
3.18%Return on equity (ROE)
1.17%Retained earnings to average equity (YTD only)
0.57%Net charge-offs to loans
36.95%Credit loss provision to net charge-offs
1.89%Efficiency ratio
86,118Assets per employee
3.37%Cash dividends to net income (YTD only)
Condition Ratios (%)
63.31%Loss allowance to loans
0.90%Loss allowance to noncurrent loans
54.64%Noncurrent assets plus other real estate owned to assets
1.48%Noncurrent loans to loans
1.65%Net loans and leases to deposits
68.55%Net loans and leases to core deposits
68.55%Equity capital to assets
14.47%Core capital (leverage) ratio
14.26%Tier 1 risk-based capital ratio
20.81%Total risk-based capital ratio
Memoranda
$22Average assets
$77,103Average earning assets
$11,211Average equity
$69,566Average 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
$56,947Managed Assets
1Number of Accounts
$56,947Personal trust and agency accounts
$56,947Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Investment management agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
37Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices

List of branches

2 Illinois Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
0	6944	State Bank Of Bement	180 East Bodman Street, Bement, IL 61813	January 17, 1914	Full Service Brick and Mortar
1	2356	Ivesdale Branch	301 Chapin St, Ivesdale, IL 61851	January 01, 1902	Full Service Brick and Mortar

State Bank of Bement in Bement, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

State Bank of Bement - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

State Bank of Bement in Bement, Illinois (IL)Overview, Financial Summary, Detailed Financial Reports, Branches

State Bank of Bement - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

State Bank of Bement in Bement, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches