Joy State Bank
Joy, IL — Non-member Bank
Active
Vitals
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Total Assets43.8M -4.0 %
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Total Deposits36.0M -3.3 %
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Total Net Loans26.1M 0.3 %
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Net Income237000.0000 -6.3 %
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Book Value4.3M -3.8 %
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Book Value x28.5M -3.8 %
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Book Value x312.8M -3.8 %
Balance Sheet Highlights
| Financial Highlights | Joy State Bank | All Insured Commercial Banks in Illinois |
| Balance Sheet $(000) | ||
| Total Assets | 43,819 | 290,894 |
| Total Net Loans | 26,067 | 191,278 |
| Total Deposits | 35,976 | 246,407 |
| Total Equity | 4,265 | 31,125 |
| Profitability | ||
| Net Income | 237 | 2,670 |
| Return on Average Assets | .542 | .919 |
| Return on Average Equity | 5.343 | 8.247 |
| Net Interest Margin | 3.708 | 3.499 |
| Efficiency Ratio | 77.605 | 67.9 |
| Noninterest Income/Revenue | 6.808 | 16.598 |
| Balance Sheet Ratios | ||
| Loan-to-Deposit | 72.457 | 72.669 |
| Securities/Assets | .241 | .191 |
| Total Equity/Total Assets | .097 | .107 |
| Tangible Equity/Tangible Assets | .09 | .103 |
| Capital Adequacy | ||
| Tier 1 Common Capital | 4,172 | 29,670 |
| Tier 1 Capital | 4,172 | 29,720 |
| Tier 2 Capital | 346 | 2,112 |
| Total Capital | 4,518 | 31,905 |
| Total Risk Weighted Assets | 27,602 | 212,461 |
| Leverage Ratio | 9.55 | 10.62 |
| Common Equity Tier 1 Capital Ratio | 15.11 | 16.313 |
| Tier 1 Capital Ratio | 15.11 | 16.329 |
| Total Capital Ratio | 16.37 | 17.341 |
Timeline for Joy State Bank
Bluestem Development Corporation
Bluestem Development Corporation became a new parent organization for Joy State Bank.
View Profile Jun 27 1998
Joy Development Corporation
Joy Development Corporation became a new parent organization for Joy State Bank.
View Profile Dec 31 1970
Joy State Bank
Joy State Bank was established 103 years ago and is currently headquartered in Joy, IL.
Jan 01 1921| Relationships | Role | Relationship Start | Relationship End |
| Bluestem Development Corporation | Parent | 6/27/1998 | |
| Joy Development Corporation | Parent | 1/17/1997 | 6/26/1998 |
| Joy Development Corporation | Parent | 12/31/1970 | 1/16/1997 |
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