FDIC Certificate #: 5735 Status: Active Federal Reserve ID: 493143 Bank Holding Company (Regulatory Top Holder): Lima Bancshares, Inc. (RSSDID: 1095928, Location: Lima, IL) Date Established: December 10, 1910 WWW:http://www.statebankoflima.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 14351 FDIC's unique #: 3910 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: 514 N. Range Line, Lima, IL 62348 County: Adams 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): Quincy, IL-MO (#39500) CBSA Micro Statistical Area: Yes
History of Changes
Change in Location
Financial Summary
Total assets: $30.8 mil Equity capital: $3.5 mil Deposits held in domestic offices: $25.2 mil Return on assets (ROA): 2.17% ($0.7 mil) Quarterly return on assets: 1.27% ($0.4 mil) Return on Equity (ROE): 21.13% ($0.6 mil) Quarterly return on equity: 11.34% ($0.3 mil) Net income: $0.7 mil Quarterly Net income: $0.1 mil Pretax return on assets: 2.19% ($675.3 mil) Quarterly Pretax return on assets: 1.29% ($397.8 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
6Total employees (full-time equivalent)
$30,834Total assets
$2,855Cash and due from depository institutions
$2,302Interest-bearing balances
$9,851Securities
$0Federal funds sold & reverse repurchase agreements
$16,860Net loans & leases
$314Loan loss allowance
$0Trading account assets
$114Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$30,834Life insurance assets
$1,154All other assets
$27,348Total liabilities and capital
$25,156Total liabilities
$21,990Total deposits
$25,156Interest-bearing deposits
$100Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$1,500Trading liabilities
$0Other borrowed funds
$692Subordinated debt
$3,486All other liabilities
$3,486Total equity capital
$3,486Total bank equity capital
$0Perpetual preferred stock
$100Common stock
$450Surplus
$2,936Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$7Income earned, not collected on loans
$0Earning assets
$248Long-term assets (5+ years)
$29,013Average Assets, year-to-date
$9,058Average Assets, quarterly
$31,255Volatile liabilities
$31,083Insider loans
$20,491FHLB advances
$30,790Loans and leases held for sale
$681Unused loan commitments
$681Tier 1 (core) risk-based capital
$3,108Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$2,848Restructured Loans and leases
$94Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,563Total interest income
$344Total interest expense
$1,219Net interest income
$47Provision for loan and lease losses
$103Total noninterest income
$0Fiduciary activities
$40Service charges on deposit accounts
$0Trading account gains & fees
$63Additional noninterest income
$703Total noninterest expense
$391Salaries and employee benefits
$70Premises and equipment expense
$242Additional noninterest expense
$572Pre-tax net operating income
$111Securities gains (losses)
$5Applicable income taxes
$678Income before extraordinary items
$0Extraordinary gains - net
$678Net income attributable to bank
$0Net charge-offs
$678Cash dividends
$2Sale, conversion, retirement of capital stock, net
$440Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.33%Yield on earning assets
1.17%Cost of funding earning assets
4.16%Net interest margin
0.35%Noninterest income to earning assets
2.40%Noninterest expense to earning assets
1.82%Net operating income to assets
2.17%Return on assets (ROA)
2.19%Pretax return on assets
21.13%Return on equity (ROE)
7.42%Retained earnings to average equity (YTD only)
0.01%Net charge-offs to loans
2350.00%Credit loss provision to net charge-offs
309.50%Efficiency ratio
53,177Assets per employee
5.14%Cash dividends to net income (YTD only)
Condition Ratios (%)
64.90%Loss allowance to loans
1.83%Loss allowance to noncurrent loans
4485.71%Noncurrent assets plus other real estate owned to assets
0.02%Noncurrent loans to loans
0.04%Net loans and leases to deposits
67.02%Net loans and leases to core deposits
71.30%Equity capital to assets
11.31%Core capital (leverage) ratio
10.09%Tier 1 risk-based capital ratio
15.17%Total risk-based capital ratio
Memoranda
$16Average assets
$31,255Average earning assets
$3,208Average equity
$29,330Average loans
List of branches
1 Illinois Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
3910
The State Bank Of Lima
514 N. Range Line, Lima, IL 62348
December 10, 1910
Full Service Brick and Mortar
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