Vitals
  • Total Assets
    276.8M -11.3 %
  • Total Deposits
    248.7M -9.0 %
  • Total Net Loans
    160.4M -21.8 %
  • Net Income
    293000.0000 -59.6 %
  • Book Value
    18.9M -19.1 %
  • Book Value x2
    37.7M -19.1 %
  • Book Value x3
    56.6M -19.1 %
ROAA

.204

ROAE

3.143

Efficiency Ratio

90.881

Net Interest Margin

3.188

Balance Sheet Highlights
Financial Highlights The Elgin State Bank All Insured Commercial Banks in Illinois
Balance Sheet $(000)
Total Assets 276,803 217,474
Total Net Loans 160,399 132,110
Total Deposits 248,747 186,223
Total Equity 18,861 21,316
Profitability
Net Income 293 558
Return on Average Assets .204 .605
Return on Average Equity 3.143 5.709
Net Interest Margin 3.188 3.652
Efficiency Ratio 90.881 69.854
Noninterest Income/Revenue 5.168 12.145
Balance Sheet Ratios
Loan-to-Deposit 64.483 66.495
Securities/Assets .084 .212
Total Equity/Total Assets .068 .098
Tangible Equity/Tangible Assets .068 .095
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 18,819 19,340
Tier 2 Capital 5,847 1,746
Total Capital 24,666 21,147
Total Risk Weighted Assets 185,871 146,729
Leverage Ratio 6.6 9.502
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 10.12 15.381
Total Capital Ratio 13.27 16.529

Timeline for The Elgin State Bank

St. Charles Bank & Trust Company

The Elgin State Bank was acquired by St. Charles Bank & Trust Company 12 years

View Profile Sep 30 2011

Elgin State Bancorp, Inc.

Elgin State Bancorp, Inc. became a new parent organization for The Elgin State Bank.

View Profile Jul 06 1982

The Elgin State Bank

The Elgin State Bank was established 60 years ago and is currently headquartered in Elgin, IL.

Feb 27 1964
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
St. Charles Bank & Trust Company Buyer 863,559 Acquisition Discontinued 9/30/2011
Relationships Role Relationship Start Relationship End
Elgin State Bancorp, Inc. Parent 7/6/2004 9/29/2011
Elgin State Bancorp, Inc. Parent 12/29/2000 7/5/2004
Elgin State Bancorp, Inc. Parent 12/31/1992 12/28/2000
Elgin State Bancorp, Inc. Parent 7/6/1982 12/30/1992
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