Vitals
  • Total Assets
    166.6M 4.6 %
  • Total Deposits
    130.7M 2.2 %
  • Total Net Loans
    137.0M 4.4 %
  • Net Income
    1.7M -5.5 %
  • Book Value
    14.9M 5.4 %
  • Book Value x2
    29.8M 5.4 %
  • Book Value x3
    44.8M 5.4 %
ROAA

1.072

ROAE

11.807

Efficiency Ratio

57.85

Net Interest Margin

4.397

Balance Sheet Highlights
Financial Highlights The Gifford State Bank All Insured Commercial Banks in Illinois
Balance Sheet $(000)
Total Assets 166,573 290,894
Total Net Loans 136,962 191,278
Total Deposits 130,666 246,407
Total Equity 14,919 31,125
Profitability
Net Income 1,736 2,670
Return on Average Assets 1.072 .919
Return on Average Equity 11.807 8.247
Net Interest Margin 4.397 3.499
Efficiency Ratio 57.85 67.9
Noninterest Income/Revenue 7.318 16.598
Balance Sheet Ratios
Loan-to-Deposit 104.818 72.669
Securities/Assets .025 .191
Total Equity/Total Assets .09 .107
Tangible Equity/Tangible Assets .09 .103
Capital Adequacy
Tier 1 Common Capital 14,919 29,670
Tier 1 Capital 14,919 29,720
Tier 2 Capital 1,840 2,112
Total Capital 16,759 31,905
Total Risk Weighted Assets 146,498 212,461
Leverage Ratio 8.89 10.62
Common Equity Tier 1 Capital Ratio 10.18 16.313
Tier 1 Capital Ratio 10.18 16.329
Total Capital Ratio 11.44 17.341

Timeline for The Gifford State Bank

Gifford Bancorp, Inc.

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

View Profile Oct 01 1983

The Gifford State Bank

The Gifford State Bank was established 139 years ago and is currently headquartered in Gifford, IL.

Jan 01 1885
Relationships Role Relationship Start Relationship End
Gifford Bancorp, Inc. Parent 10/1/1983
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