FDIC Certificate #: 5718 Status: Active Federal Reserve ID: 306739 Bank Holding Company (Regulatory Top Holder): Blue Mound Bancshares, Inc. (RSSDID: 1204243, Location: Blue Mound, IL) Date Established: October 12, 1912 WWW:http://www.thesbbm.com Trust Powers Granted: Yes Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 3898 Numeric code: 13 Regulator: FED 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: June 02, 2010 Last Structure Change Process Date: June 02, 2010 Last Data Update: June 02, 2010 Data Source Date: April 05, 2012
Location
Address: 202 North Saint Marie Street, Blue Mound, IL 62513 County: Macon 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 Metropolitan Statistical Area (MSA): Decatur, IL (#2040) Core Based Statistical Area (CBSA): Decatur, IL (#19500) CBSA Metro Statistical Area: Decatur, IL (#19500)
History of Changes
Change in Location
Financial Summary
Total assets: $36.6 mil Equity capital: $2.6 mil Deposits held in domestic offices: $33.2 mil Return on assets (ROA): 0.72% ($0.3 mil) Quarterly return on assets: 1.15% ($0.4 mil) Return on Equity (ROE): 10.33% ($0.3 mil) Quarterly return on equity: 16.51% ($0.5 mil) Net income: $0.3 mil Quarterly Net income: $0.1 mil Pretax return on assets: 0.72% ($263.7 mil) Quarterly Pretax return on assets: 1.15% ($421.1 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
9Total employees (full-time equivalent)
$36,620Total assets
$3,938Cash and due from depository institutions
$1,717Interest-bearing balances
$3,525Securities
$0Federal funds sold & reverse repurchase agreements
$26,929Net loans & leases
$299Loan loss allowance
$0Trading account assets
$238Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$36,620Life insurance assets
$1,990All other assets
$33,999Total liabilities and capital
$33,213Total liabilities
$24,947Total deposits
$33,213Interest-bearing deposits
$86Deposits held in domestic offices
730.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$56Subordinated debt
$2,621All other liabilities
$2,621Total equity capital
$2,621Total bank equity capital
$0Perpetual preferred stock
$100Common stock
$1,450Surplus
$1,071Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$397Income earned, not collected on loans
$0Earning assets
$361Long-term assets (5+ years)
$32,171Average Assets, year-to-date
$406Average Assets, quarterly
$36,075Volatile liabilities
$36,754Insider loans
$27,896FHLB advances
$35,875Loans and leases held for sale
$1,399Unused loan commitments
$1,399Tier 1 (core) risk-based capital
$2,619Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$2,332Restructured Loans and leases
$239Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,537Total interest income
$337Total interest expense
$1,200Net interest income
$135Provision for loan and lease losses
$185Total noninterest income
$1Fiduciary activities
$82Service charges on deposit accounts
$0Trading account gains & fees
$102Additional noninterest income
$973Total noninterest expense
$549Salaries and employee benefits
$152Premises and equipment expense
$272Additional noninterest expense
$277Pre-tax net operating income
-$19Securities gains (losses)
$0Applicable income taxes
$258Income before extraordinary items
$0Extraordinary gains - net
$258Net income attributable to bank
$0Net charge-offs
$258Cash dividends
$200Sale, conversion, retirement of capital stock, net
$20Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.71%Yield on earning assets
1.03%Cost of funding earning assets
3.68%Net interest margin
0.57%Noninterest income to earning assets
2.98%Noninterest expense to earning assets
0.77%Net operating income to assets
0.72%Return on assets (ROA)
0.72%Pretax return on assets
10.33%Return on equity (ROE)
9.53%Retained earnings to average equity (YTD only)
0.81%Net charge-offs to loans
67.50%Credit loss provision to net charge-offs
2.06%Efficiency ratio
70,253Assets per employee
4.07%Cash dividends to net income (YTD only)
Condition Ratios (%)
7.75%Loss allowance to loans
1.10%Loss allowance to noncurrent loans
75.31%Noncurrent assets plus other real estate owned to assets
1.08%Noncurrent loans to loans
1.46%Net loans and leases to deposits
81.08%Net loans and leases to core deposits
94.82%Equity capital to assets
7.16%Core capital (leverage) ratio
7.30%Tier 1 risk-based capital ratio
9.39%Total risk-based capital ratio
Memoranda
$10Average assets
$36,075Average earning assets
$2,497Average equity
$32,638Average 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
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