TrustBank in city_name, state_name - Detailed Financial Reports, Location

TrustBank in Olney, Illinois (IL), AZ
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TrustBank routing number info

TrustBank - Overview

General
FDIC Certificate #: 14662
Status: Active
Federal Reserve ID: 338646
Bank Holding Company (Regulatory Top Holder): Rich Land Bancorp, Inc. (RSSDID: 1098161, Location: Olney, IL)
Date Established: September 13, 1912
WWW: http://www.trustbank.net
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 5 (Domestic: 5, Interstate: Yes)
OTS Docket #: 12475
FDIC's unique #: 9168
Numeric code: 21
Regulator: FDIC
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: August 07, 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: 600 East Main Street, Olney, IL 62450
County: Richland
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
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $168.4 mil
Equity capital: $20.4 mil
Deposits held in domestic offices: $144.7 mil
Return on assets (ROA): 1.37% ($2.3 mil)
Quarterly return on assets: 1.71% ($2.9 mil)
Return on Equity (ROE): 11.74% ($2.3 mil)
Quarterly return on equity: 14.17% ($2.8 mil)
Net income: $2.3 mil
Quarterly Net income: $0.7 mil
Pretax return on assets: 1.37% ($2,307.3 mil)
Quarterly Pretax return on assets: 1.71% ($2,879.9 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
49Total employees (full-time equivalent)
$168,417Total assets
$6,695Cash and due from depository institutions
$4,982Interest-bearing balances
$52,073Securities
$0Federal funds sold & reverse repurchase agreements
$102,144Net loans & leases
$1,649Loan loss allowance
$0Trading account assets
$863Bank premises and fixed assets
$1,401Other real estate owned
$1,859Goodwill and other intangibles
$168,417Life insurance assets
$3,382All other assets
$147,983Total liabilities and capital
$144,677Total liabilities
$123,094Total deposits
$144,677Interest-bearing deposits
$87Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$2,000Trading liabilities
$0Other borrowed funds
$1,306Subordinated debt
$20,434All other liabilities
$20,434Total equity capital
$20,434Total bank equity capital
$0Perpetual preferred stock
$650Common stock
$7,312Surplus
$12,472Undivided profits
Memoranda
$0Noncurrent loans and leases
$111Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$920Income earned, not collected on loans
$35Earning assets
$1,159Long-term assets (5+ years)
$159,199Average Assets, year-to-date
$39,078Average Assets, quarterly
$168,142Volatile liabilities
$169,248Insider loans
$111,815FHLB advances
$167,923Loans and leases held for sale
$472Unused loan commitments
$0Tier 1 (core) risk-based capital
$17,079Tier 2 risk-based capital
$472Total risk weighted assets
$0Total unused commitments
$16,426Restructured Loans and leases
$2,705Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$7,020Total interest income
$1,677Total interest expense
$5,343Net interest income
$164Provision for loan and lease losses
$2,101Total noninterest income
$240Fiduciary activities
$713Service charges on deposit accounts
$0Trading account gains & fees
$1,148Additional noninterest income
$5,040Total noninterest expense
$2,962Salaries and employee benefits
$468Premises and equipment expense
$1,610Additional noninterest expense
$2,240Pre-tax net operating income
$56Securities gains (losses)
$0Applicable income taxes
$2,296Income before extraordinary items
$0Extraordinary gains - net
$2,296Net income attributable to bank
$0Net charge-offs
$2,296Cash dividends
$587Sale, conversion, retirement of capital stock, net
$1,320Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.41%Yield on earning assets
1.05%Cost of funding earning assets
3.36%Net interest margin
1.32%Noninterest income to earning assets
3.17%Noninterest expense to earning assets
1.33%Net operating income to assets
1.37%Return on assets (ROA)
1.37%Pretax return on assets
11.74%Return on equity (ROE)
4.99%Retained earnings to average equity (YTD only)
0.58%Net charge-offs to loans
27.94%Credit loss provision to net charge-offs
4.10%Efficiency ratio
67,706Assets per employee
3.44%Cash dividends to net income (YTD only)
Condition Ratios (%)
57.49%Loss allowance to loans
1.59%Loss allowance to noncurrent loans
179.24%Noncurrent assets plus other real estate owned to assets
1.38%Noncurrent loans to loans
0.89%Net loans and leases to deposits
70.60%Net loans and leases to core deposits
71.28%Equity capital to assets
12.13%Core capital (leverage) ratio
10.17%Tier 1 risk-based capital ratio
15.27%Total risk-based capital ratio
Memoranda
$17Average assets
$168,142Average earning assets
$19,551Average equity
$159,078Average 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
YesFiduciary powers granted
YesFiduciary or related activity
$52,634Managed Assets
1Number of Accounts
$50,744Personal trust and agency accounts
$16,540Employee benefit-defined contribution accounts
$26,840Employee benefit-defined benefit accounts
$0Other retirement accounts
$3,173Corporate trust and agency accounts
$0Investment management agency accounts
$1,970Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$2,221Non-managed Assets
111Number of Accounts
$0Personal trust and agency accounts
$1,864Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$1,890Other retirement accounts
$0Corporate trust and agency accounts
$0Other fiduciary accounts
$1,890Fiduciary accounts held in foreign offices

List of branches

1 Arizona Branch as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
6	520798	Phoenix Az Branch	2375 East Camelback Road, Phoenix, AZ 85016	May 16, 2011	Full Service Brick and Mortar

4 Illinois Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	9168	Trustbank	600 East Main Street, Olney, IL 62450	September 13, 1912	Full Service Brick and Mortar
1	231894	Richland County Mall Facility	North West Street, Olney, IL 62450	May 04, 1981	Full Service Brick and Mortar
3	7224	Cisne Branch	Main Street, Cisne, IL 62823	January 01, 1902	Full Service Brick and Mortar
5	510410	Carbondale Trust Branch	3200 Fishback Road, Carbondale, IL 62901	April 05, 2010	Limited Service Trust

TrustBank in Olney, Illinois (IL), AZ
Overview, Financial Summary, Detailed Financial Reports, Branches

TrustBank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

TrustBank in Olney, Illinois (IL), AZOverview, Financial Summary, Detailed Financial Reports, Branches

TrustBank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

TrustBank in Olney, Illinois (IL), AZ
Overview, Financial Summary, Detailed Financial Reports, Branches