FDIC Certificate #: 5740 Status: Active Federal Reserve ID: 45038 Bank Holding Company (Regulatory Top Holder): Foresight Financial Group, Inc. (RSSDID: 1137453, Location: Rockford, IL) Date Established: July 14, 1928 WWW:http://www.statebankofdavis.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 #: 3914 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: Commercial Lending Specialization 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: 100 Route 75, Davis, IL 61019 County: Stephenson 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 Combined Statistical Area (CSA): Rockford-Freeport-Rochelle, IL (#466) Core Based Statistical Area (CBSA): Freeport, IL (#23300) CBSA Micro Statistical Area: Yes
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $137.0 mil Equity capital: $13.0 mil Deposits held in domestic offices: $114.3 mil Return on assets (ROA): 1.16% ($1.6 mil) Quarterly return on assets: 1.14% ($1.6 mil) Return on Equity (ROE): 12.55% ($1.6 mil) Quarterly return on equity: 12.10% ($1.6 mil) Net income: $1.5 mil Quarterly Net income: $0.4 mil Pretax return on assets: 1.58% ($2,164.3 mil) Quarterly Pretax return on assets: 1.56% ($2,137.0 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
17Total employees (full-time equivalent)
$136,984Total assets
$3,848Cash and due from depository institutions
$2,030Interest-bearing balances
$39,330Securities
$0Federal funds sold & reverse repurchase agreements
$90,938Net loans & leases
$1,623Loan loss allowance
$0Trading account assets
$929Bank premises and fixed assets
$312Other real estate owned
$0Goodwill and other intangibles
$136,984Life insurance assets
$1,627All other assets
$123,964Total liabilities and capital
$114,342Total liabilities
$102,148Total deposits
$114,342Interest-bearing deposits
$94Deposits held in domestic offices
8466.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$750Trading liabilities
$0Other borrowed funds
$406Subordinated debt
$13,020All other liabilities
$13,020Total equity capital
$13,020Total bank equity capital
$0Perpetual preferred stock
$100Common stock
$1,547Surplus
$11,373Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,985Income earned, not collected on loans
$0Earning assets
$951Long-term assets (5+ years)
$132,298Average Assets, year-to-date
$44,519Average Assets, quarterly
$132,354Volatile liabilities
$137,104Insider loans
$98,216FHLB advances
$139,687Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$12,038Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$22,207Restructured Loans and leases
$2,757Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$6,437Total interest income
$1,799Total interest expense
$4,638Net interest income
$879Provision for loan and lease losses
$302Total noninterest income
$0Fiduciary activities
$129Service charges on deposit accounts
$0Trading account gains & fees
$173Additional noninterest income
$1,969Total noninterest expense
$918Salaries and employee benefits
$159Premises and equipment expense
$892Additional noninterest expense
$2,092Pre-tax net operating income
-$7Securities gains (losses)
$556Applicable income taxes
$1,529Income before extraordinary items
$0Extraordinary gains - net
$1,529Net income attributable to bank
$0Net charge-offs
$1,529Cash dividends
$862Sale, conversion, retirement of capital stock, net
$764Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.04%Yield on earning assets
1.41%Cost of funding earning assets
3.63%Net interest margin
0.24%Noninterest income to earning assets
1.54%Noninterest expense to earning assets
1.16%Net operating income to assets
1.16%Return on assets (ROA)
1.58%Pretax return on assets
12.55%Return on equity (ROE)
6.28%Retained earnings to average equity (YTD only)
0.96%Net charge-offs to loans
101.97%Credit loss provision to net charge-offs
3.45%Efficiency ratio
39,858Assets per employee
8.06%Cash dividends to net income (YTD only)
Condition Ratios (%)
49.97%Loss allowance to loans
1.75%Loss allowance to noncurrent loans
81.76%Noncurrent assets plus other real estate owned to assets
1.68%Noncurrent loans to loans
2.14%Net loans and leases to deposits
79.53%Net loans and leases to core deposits
83.31%Equity capital to assets
9.50%Core capital (leverage) ratio
8.62%Tier 1 risk-based capital ratio
12.26%Total risk-based capital ratio
Memoranda
$14Average assets
$132,354Average earning assets
$12,187Average equity
$127,786Average loans
List of branches
1 Illinois Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
3914
State Bank Of Davis
100 Route 75, Davis, IL 61019
July 14, 1928
Full Service Brick and Mortar
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