FDIC Certificate #: 925 Status: Active Federal Reserve ID: 991135 Bank Holding Company (Regulatory Top Holder): Geneva Bancshares, Inc. (RSSDID: 1136924, Location: Geneva, IL) Date Established: January 01, 1903 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 #: 600 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: Yes 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: 22 South Fourth Street, Geneva, IL 60134 County: Kane Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Chicago FDIC Field Office: Chicago Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: Central Metropolitan Statistical Area (MSA): Chicago, IL (#1600) Consolidated Metropolitan Statistical Area (CMSA): Chicago-Gary-Kenosha, IL-IN-WI (#14) Combined Statistical Area (CSA): Chicago-Naperville-Michigan City, IL-IN-WI (#176) Core Based Statistical Area (CBSA): Chicago-Joliet-Naperville, IL-IN-WI (#16980) CBSA Metro Statistical Area: Chicago-Joliet-Naperville, IL-IN-WI (#16980) Core Based Statistical Division: Chicago-Joliet-Naperville, IL (#16974)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $92.1 mil Equity capital: $5.0 mil Deposits held in domestic offices: $86.6 mil Return on assets (ROA): -3.64% (-$3.3 mil) Quarterly return on assets: -13.27% (-$12.2 mil) Return on Equity (ROE): -45.75% (-$2.3 mil) Quarterly return on equity: -186.89% (-$9.3 mil) Net income: -$3.5 mil Quarterly Net income: -$3.1 mil Pretax return on assets: -3.65% (-$3,361.3 mil) Quarterly Pretax return on assets: -13.29% (-$12,238.9 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
27Total employees (full-time equivalent)
$92,091Total assets
$8,117Cash and due from depository institutions
$6,241Interest-bearing balances
$35,705Securities
$0Federal funds sold & reverse repurchase agreements
$41,440Net loans & leases
$4,129Loan loss allowance
$0Trading account assets
$631Bank premises and fixed assets
$552Other real estate owned
$0Goodwill and other intangibles
$92,091Life insurance assets
$5,646All other assets
$87,078Total liabilities and capital
$86,575Total liabilities
$70,809Total deposits
$86,575Interest-bearing deposits
$91Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$503Subordinated debt
$5,013All other liabilities
$5,013Total equity capital
$5,013Total bank equity capital
$0Perpetual preferred stock
$930Common stock
$2,070Surplus
$2,013Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$3,519Income earned, not collected on loans
$0Earning assets
$157Long-term assets (5+ years)
$83,386Average Assets, year-to-date
$25,526Average Assets, quarterly
$94,811Volatile liabilities
$92,961Insider loans
$54,151FHLB advances
$94,594Loans and leases held for sale
$4,939Unused loan commitments
$4,939Tier 1 (core) risk-based capital
$4,642Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$5,938Restructured Loans and leases
$4,014Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$3,552Total interest income
$644Total interest expense
$2,908Net interest income
$4,206Provision for loan and lease losses
$724Total noninterest income
$265Fiduciary activities
$144Service charges on deposit accounts
$0Trading account gains & fees
$315Additional noninterest income
$3,094Total noninterest expense
$1,844Salaries and employee benefits
$163Premises and equipment expense
$1,087Additional noninterest expense
-$3,668Pre-tax net operating income
$212Securities gains (losses)
-$2Applicable income taxes
-$3,454Income before extraordinary items
$0Extraordinary gains - net
-$3,454Net income attributable to bank
$0Net charge-offs
-$3,454Cash dividends
$787Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.15%Yield on earning assets
0.75%Cost of funding earning assets
3.40%Net interest margin
0.85%Noninterest income to earning assets
3.62%Noninterest expense to earning assets
-3.87%Net operating income to assets
-3.64%Return on assets (ROA)
-3.65%Pretax return on assets
-45.75%Return on equity (ROE)
-45.75%Retained earnings to average equity (YTD only)
1.65%Net charge-offs to loans
534.43%Credit loss provision to net charge-offs
0.68%Efficiency ratio
85,187Assets per employee
3.41%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
9.06%Loss allowance to noncurrent loans
117.33%Noncurrent assets plus other real estate owned to assets
4.42%Noncurrent loans to loans
7.72%Net loans and leases to deposits
47.87%Net loans and leases to core deposits
54.23%Equity capital to assets
5.44%Core capital (leverage) ratio
4.91%Tier 1 risk-based capital ratio
8.57%Total risk-based capital ratio
Memoranda
$10Average assets
$94,811Average earning assets
$7,550Average equity
$85,529Average 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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