FDIC Certificate #: 10820 Status: Active Federal Reserve ID: 944935 Date Established: March 25, 1901 WWW:http://www.statebankofindustry.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 #: 6923 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: Yes Asset Concentration Hierarchy: Agricultural 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: 101 W. Main Street, Industry, IL 61440 County: Mcdonough Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Chicago FDIC Field Office: Springfield Il Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: Central Core Based Statistical Area (CBSA): Macomb, IL (#31380) CBSA Micro Statistical Area: Yes
History of Changes
Change in Location
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $42.8 mil Equity capital: $5.4 mil Deposits held in domestic offices: $37.1 mil Return on assets (ROA): 1.13% ($0.5 mil) Quarterly return on assets: 1.15% ($0.5 mil) Return on Equity (ROE): 8.87% ($0.4 mil) Quarterly return on equity: 8.79% ($0.4 mil) Net income: $0.5 mil Quarterly Net income: $0.1 mil Pretax return on assets: 1.14% ($488.1 mil) Quarterly Pretax return on assets: 1.20% ($513.8 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2011)
Dollar figures in thousands
8Total employees (full-time equivalent)
$42,814Total assets
$3,370Cash and due from depository institutions
$630Interest-bearing balances
$9,914Securities
$2,850Federal funds sold & reverse repurchase agreements
$25,796Net loans & leases
$237Loan loss allowance
$0Trading account assets
$158Bank premises and fixed assets
$80Other real estate owned
$0Goodwill and other intangibles
$42,814Life insurance assets
$646All other assets
$37,373Total liabilities and capital
$37,082Total liabilities
$33,677Total deposits
$37,082Interest-bearing deposits
$92Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$291Subordinated debt
$5,441All other liabilities
$5,441Total equity capital
$5,441Total bank equity capital
$0Perpetual preferred stock
$400Common stock
$400Surplus
$4,641Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$365Income earned, not collected on loans
$0Earning assets
$332Long-term assets (5+ years)
$39,190Average Assets, year-to-date
$3,522Average Assets, quarterly
$41,073Volatile liabilities
$41,287Insider loans
$27,708FHLB advances
$41,319Loans and leases held for sale
$212Unused loan commitments
$0Tier 1 (core) risk-based capital
$5,217Tier 2 risk-based capital
$212Total risk weighted assets
$0Total unused commitments
$2,586Restructured Loans and leases
$348Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,889Total interest income
$378Total interest expense
$1,511Net interest income
$315Provision for loan and lease losses
$196Total noninterest income
$0Fiduciary activities
$92Service charges on deposit accounts
$0Trading account gains & fees
$104Additional noninterest income
$922Total noninterest expense
$471Salaries and employee benefits
$151Premises and equipment expense
$300Additional noninterest expense
$470Pre-tax net operating income
$0Securities gains (losses)
$4Applicable income taxes
$466Income before extraordinary items
$0Extraordinary gains - net
$466Net income attributable to bank
$0Net charge-offs
$466Cash dividends
$250Sale, conversion, retirement of capital stock, net
$260Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.00%Yield on earning assets
1.00%Cost of funding earning assets
4.00%Net interest margin
0.52%Noninterest income to earning assets
2.44%Noninterest expense to earning assets
1.13%Net operating income to assets
1.13%Return on assets (ROA)
1.14%Pretax return on assets
8.87%Return on equity (ROE)
3.92%Retained earnings to average equity (YTD only)
0.95%Net charge-offs to loans
126.00%Credit loss provision to net charge-offs
3.14%Efficiency ratio
54,013Assets per employee
5.35%Cash dividends to net income (YTD only)
Condition Ratios (%)
55.79%Loss allowance to loans
0.91%Loss allowance to noncurrent loans
64.93%Noncurrent assets plus other real estate owned to assets
1.04%Noncurrent loans to loans
1.40%Net loans and leases to deposits
69.56%Net loans and leases to core deposits
73.92%Equity capital to assets
12.71%Core capital (leverage) ratio
12.63%Tier 1 risk-based capital ratio
18.83%Total risk-based capital ratio
Memoranda
$20Average assets
$41,073Average earning assets
$5,254Average equity
$37,759Average loans
List of branches
1 Illinois Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
6923
State Bank Of Industry
101 W. Main Street, Industry, IL 61440
March 25, 1901
Full Service Brick and Mortar
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