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


  • Teutopolis State Bank in Teutopolis, Illinois (IL)
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Teutopolis State Bank routing number info

Teutopolis State Bank - Overview

  • General
  • FDIC Certificate #: 11708
    Status: Active
    Federal Reserve ID: 134848
    Bank Holding Company (Regulatory Top Holder): Teutopolis Holding Company (RSSDID: 1928615, Location: Teutopolis, IL)
    Date Established: January 01, 1905
    WWW: http://www.teutopolisstatebank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 7486
    Numeric code: 13
    Regulator: FED
    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: 106 East Main Street, Teutopolis, IL 62467
    County: Effingham
    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
    Core Based Statistical Area (CBSA): Effingham, IL (#20820)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $189.9 mil
    Equity capital: $23.1 mil
    Deposits held in domestic offices: $166.4 mil
    Return on assets (ROA): 0.88% ($1.7 mil)
    Quarterly return on assets: 0.57% ($1.1 mil)
    Return on Equity (ROE): 7.04% ($1.6 mil)
    Quarterly return on equity: 4.59% ($1.1 mil)
    Net income: $1.6 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.25% ($2,373.9 mil)
    Quarterly Pretax return on assets: 0.79% ($1,500.3 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
  • 32Total employees (full-time equivalent)
  • $189,910Total assets
  • $30,562Cash and due from depository institutions
  • $20,631Interest-bearing balances
  • $71,628Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $81,589Net loans & leases
  • $913Loan loss allowance
  • $0Trading account assets
  • $1,437Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $189,910Life insurance assets
  • $4,694All other assets
  • $166,847Total liabilities and capital
  • $166,403Total liabilities
  • $142,106Total deposits
  • $166,403Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $444Subordinated debt
  • $23,063All other liabilities
  • $23,063Total equity capital
  • $23,063Total bank equity capital
  • $0Perpetual preferred stock
  • $300Common stock
  • $6,800Surplus
  • $15,963Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1Income earned, not collected on loans
  • $0Earning assets
  • $737Long-term assets (5+ years)
  • $173,848Average Assets, year-to-date
  • $65,881Average Assets, quarterly
  • $185,693Volatile liabilities
  • $189,549Insider loans
  • $96,020FHLB advances
  • $191,732Loans and leases held for sale
  • $3,153Unused loan commitments
  • $3,153Tier 1 (core) risk-based capital
  • $22,643Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $18,151Restructured Loans and leases
  • $1,963Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,799Total interest income
  • $1,506Total interest expense
  • $4,293Net interest income
  • $0Provision for loan and lease losses
  • $614Total noninterest income
  • $0Fiduciary activities
  • $404Service charges on deposit accounts
  • $0Trading account gains & fees
  • $210Additional noninterest income
  • $2,592Total noninterest expense
  • $1,534Salaries and employee benefits
  • $204Premises and equipment expense
  • $854Additional noninterest expense
  • $2,315Pre-tax net operating income
  • $0Securities gains (losses)
  • $687Applicable income taxes
  • $1,628Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,628Net income attributable to bank
  • $0Net charge-offs
  • $1,628Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $1,050Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.39%Yield on earning assets
  • 0.88%Cost of funding earning assets
  • 2.51%Net interest margin
  • 0.36%Noninterest income to earning assets
  • 1.51%Noninterest expense to earning assets
  • 0.88%Net operating income to assets
  • 0.88%Return on assets (ROA)
  • 1.25%Pretax return on assets
  • 7.04%Return on equity (ROE)
  • 2.50%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 52,822Assets per employee
  • 5.93%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 64.50%Loss allowance to loans
  • 1.11%Loss allowance to noncurrent loans
  • 91300.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 49.03%Net loans and leases to core deposits
  • 49.41%Equity capital to assets
  • 12.14%Core capital (leverage) ratio
  • 11.81%Tier 1 risk-based capital ratio
  • 23.58%Total risk-based capital ratio
  • Memoranda
  • $25Average assets
  • $185,693Average earning assets
  • $23,129Average equity
  • $171,250Average loans

List of branches

  • 2 Illinois Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    07486Teutopolis State Bank106 East Main Street, Teutopolis, IL 62467January 01, 1905Full Service Brick and Mortar
    1225474Sigel Branch202 South Main, Sigel, IL 62462September 22, 1997Full Service Brick and Mortar

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