Tempo Bank, A Federal Savings Bank in Trenton, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Tempo Bank, A Federal Savings Bank in Trenton, Illinois (IL)
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Tempo Bank, A Federal Savings Bank - Overview

  • General
  • FDIC Certificate #: 30615
    Status: Active
    Federal Reserve ID: 415770
    Date Established: January 01, 1889
    WWW: http://www.tempobank.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 5636
    FDIC's unique #: 43449
    Numeric code: 34
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: October 27, 1953
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 28 West Broadway Street, Trenton, IL 62293
    County: Clinton
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Mount Vernon
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): St. Louis, MO-IL (#7040)
    Combined Statistical Area (CSA): St. Louis-St. Charles-Farmington, MO-IL (#476)
    Core Based Statistical Area (CBSA): St. Louis, MO-IL (#41180)
    CBSA Metro Statistical Area: St. Louis, MO-IL (#41180)
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $88.5 mil
    Equity capital: $9.2 mil
    Deposits held in domestic offices: $73.4 mil
    Return on assets (ROA): 0.16% ($0.1 mil)
    Quarterly return on assets: 0.28% ($0.2 mil)
    Return on Equity (ROE): 1.65% ($0.1 mil)
    Quarterly return on equity: 2.78% ($0.3 mil)
    Net income: $0.2 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.25% ($221.2 mil)
    Quarterly Pretax return on assets: 0.50% ($442.4 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
  • 16Total employees (full-time equivalent)
  • $88,486Total assets
  • $9,561Cash and due from depository institutions
  • $9,143Interest-bearing balances
  • $0Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $74,782Net loans & leases
  • $286Loan loss allowance
  • $0Trading account assets
  • $1,028Bank premises and fixed assets
  • $816Other real estate owned
  • $0Goodwill and other intangibles
  • $88,486Life insurance assets
  • $2,299All other assets
  • $79,246Total liabilities and capital
  • $73,370Total liabilities
  • $70,451Total deposits
  • $73,370Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $5,307Trading liabilities
  • $0Other borrowed funds
  • $569Subordinated debt
  • $9,240All other liabilities
  • $9,240Total equity capital
  • $9,240Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $2,986Surplus
  • $6,254Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,172Income earned, not collected on loans
  • $0Earning assets
  • $272Long-term assets (5+ years)
  • $83,925Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $93,795Volatile liabilities
  • $91,099Insider loans
  • $44,966FHLB advances
  • $88,486Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $9,240Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,212Restructured Loans and leases
  • $690Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,110Total interest income
  • $1,541Total interest expense
  • $2,569Net interest income
  • $145Provision for loan and lease losses
  • $187Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $187Additional noninterest income
  • $2,378Total noninterest expense
  • $1,335Salaries and employee benefits
  • $553Premises and equipment expense
  • $490Additional noninterest expense
  • $233Pre-tax net operating income
  • $0Securities gains (losses)
  • $82Applicable income taxes
  • $151Income before extraordinary items
  • $0Extraordinary gains - net
  • $151Net income attributable to bank
  • $0Net charge-offs
  • $151Cash dividends
  • $92Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.63%Yield on earning assets
  • 1.73%Cost of funding earning assets
  • 2.89%Net interest margin
  • 0.21%Noninterest income to earning assets
  • 2.68%Noninterest expense to earning assets
  • 0.16%Net operating income to assets
  • 0.16%Return on assets (ROA)
  • 0.25%Pretax return on assets
  • 1.65%Return on equity (ROE)
  • 1.65%Retained earnings to average equity (YTD only)
  • 0.12%Net charge-offs to loans
  • 157.61%Credit loss provision to net charge-offs
  • 4.11%Efficiency ratio
  • 86,284Assets per employee
  • 5.53%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.38%Loss allowance to noncurrent loans
  • 13.17%Noncurrent assets plus other real estate owned to assets
  • 3.38%Noncurrent loans to loans
  • 2.89%Net loans and leases to deposits
  • 101.92%Net loans and leases to core deposits
  • 102.90%Equity capital to assets
  • 10.44%Core capital (leverage) ratio
  • 10.44%Tier 1 risk-based capital ratio
  • 20.55%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $93,795Average earning assets
  • $9,126Average equity
  • $88,862Average loans

List of branches

  • 2 Illinois Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    043449Tempo Bank, A Federal Savings Bank28 West Broadway Street, Trenton, IL 62293January 01, 1889Full Service Brick and Mortar
    100281206301 N Fourth Street Branch301 North Fourth Street, Breese, IL 62230January 01, 1889Full Service Brick and Mortar

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