FDIC Certificate #: 57971 Status: Active Federal Reserve ID: 3376733 Bank Holding Company (Regulatory Top Holder): Lwcbancorp, Inc. (RSSDID: 3802278, Location: New Lenox, IL) Date Established: August 29, 2005 WWW:http://www.lwcbank.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 432827 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: Commercial Lending Specialization Date of Deposit Insurance: August 29, 2005 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: 1000 East Lincoln Highway, New Lenox, IL 60451 County: Will Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Chicago FDIC Field Office: Chicago Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: Central Metropolitan Statistical Area (MSA): Chicago, IL (#1600) Consolidated Metropolitan Statistical Area (CMSA): Chicago-Gary-Kenosha, IL-IN-WI (#14) Combined Statistical Area (CSA): Chicago-Naperville-Michigan City, IL-IN-WI (#176) Core Based Statistical Area (CBSA): Chicago-Joliet-Naperville, IL-IN-WI (#16980) CBSA Metro Statistical Area: Chicago-Joliet-Naperville, IL-IN-WI (#16980) Core Based Statistical Division: Chicago-Joliet-Naperville, IL (#16974)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $126.3 mil Equity capital: $11.6 mil Deposits held in domestic offices: $114.2 mil Return on assets (ROA): -0.45% (-$0.6 mil) Quarterly return on assets: -0.07% (-$0.1 mil) Return on Equity (ROE): -4.82% (-$0.6 mil) Quarterly return on equity: -0.79% (-$0.1 mil) Net income: -$0.6 mil Quarterly Net income: -$0.0 mil Pretax return on assets: -0.45% (-$568.3 mil) Quarterly Pretax return on assets: -0.07% (-$88.4 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ 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
24Total employees (full-time equivalent)
$126,286Total assets
$27,536Cash and due from depository institutions
$26,889Interest-bearing balances
$7,116Securities
$0Federal funds sold & reverse repurchase agreements
$80,635Net loans & leases
$1,969Loan loss allowance
$0Trading account assets
$5,208Bank premises and fixed assets
$4,212Other real estate owned
$0Goodwill and other intangibles
$126,286Life insurance assets
$1,579All other assets
$114,661Total liabilities and capital
$114,205Total liabilities
$102,992Total deposits
$114,205Interest-bearing deposits
$96Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$456Subordinated debt
$11,625All other liabilities
$11,625Total equity capital
$11,625Total bank equity capital
$0Perpetual preferred stock
$1,500Common stock
$15,268Surplus
$-5,143Undivided profits
Memoranda
$0Noncurrent loans and leases
$612Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$3,937Income earned, not collected on loans
$0Earning assets
$345Long-term assets (5+ years)
$114,640Average Assets, year-to-date
$331Average Assets, quarterly
$128,245Volatile liabilities
$125,985Insider loans
$84,586FHLB advances
$126,619Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$11,052Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$11,416Restructured Loans and leases
$3,208Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$5,890Total interest income
$1,351Total interest expense
$4,539Net interest income
$1,146Provision for loan and lease losses
$341Total noninterest income
$0Fiduciary activities
$45Service charges on deposit accounts
$0Trading account gains & fees
$296Additional noninterest income
$4,307Total noninterest expense
$1,841Salaries and employee benefits
$365Premises and equipment expense
$2,101Additional noninterest expense
-$573Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
-$573Income before extraordinary items
$0Extraordinary gains - net
-$573Net income attributable to bank
$0Net charge-offs
-$573Cash dividends
$1,858Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.99%Yield on earning assets
1.14%Cost of funding earning assets
3.84%Net interest margin
0.29%Noninterest income to earning assets
3.65%Noninterest expense to earning assets
-0.45%Net operating income to assets
-0.45%Return on assets (ROA)
-0.45%Pretax return on assets
-4.82%Return on equity (ROE)
-4.82%Retained earnings to average equity (YTD only)
2.05%Net charge-offs to loans
61.68%Credit loss provision to net charge-offs
0.31%Efficiency ratio
88,258Assets per employee
5.26%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.38%Loss allowance to noncurrent loans
50.01%Noncurrent assets plus other real estate owned to assets
6.45%Noncurrent loans to loans
4.77%Net loans and leases to deposits
70.61%Net loans and leases to core deposits
77.22%Equity capital to assets
9.21%Core capital (leverage) ratio
8.73%Tier 1 risk-based capital ratio
13.07%Total risk-based capital ratio
Memoranda
$14Average assets
$128,245Average earning assets
$11,894Average equity
$118,067Average loans
List of branches
1 Illinois Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
432827
Lincolnway Community Bank
1000 East Lincoln Highway, New Lenox, IL 60451
August 29, 2005
Full Service Brick and Mortar
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