The John Warner Bank in Clinton, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of July 02, 2009

The John Warner Bank in Clinton, Illinois (IL)
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The John Warner Bank - Overview

General
FDIC Certificate #: 12093
Status: Inactive
Closing history: Corrections
Acquiring institution: State Bank of Lincoln (#12396)
Federal Reserve ID: 223238
Date Established: April 11, 1867
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 3 (Interstate: No)
OTS Docket #: 14475
FDIC's unique #: 7683
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
State Chartered: Yes
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: July 02, 2009
Last Structure Change Process Date: July 06, 2009
Last Data Update: July 06, 2009
Data Source Date: April 05, 2012
Location
Address: 301 South Side Square, Clinton, IL 61727
County: De Witt
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Champaign
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Central
History of Changes
Absorption - Assisted
Corrections
Financial Summary
Total assets: $69.6 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, 2008)

Dollar figures in thousands
29Total employees (full-time equivalent)
$76,291Total assets
$5,962Cash and due from depository institutions
$137Interest-bearing balances
$29,316Securities
$0Federal funds sold & reverse repurchase agreements
$33,028Net loans & leases
$602Loan loss allowance
$119Trading account assets
$453Bank premises and fixed assets
$30Other real estate owned
$4,229Goodwill and other intangibles
$50Life insurance assets
$3,154All other assets
$76,291Total liabilities and capital
$69,515Total liabilities
$66,319Total deposits
$50,138Interest-bearing deposits
$66,319Deposits held in domestic offices
0.00%% insured (estimated)
$3,051Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$145All other liabilities
$6,776Total equity capital
$6,776Total bank equity capital
$6,776Perpetual preferred stock
$0Common stock
$600Surplus
$10,107Undivided profits
Memoranda
$-3,931Noncurrent loans and leases
$12,472Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$1,857Earning assets
$0Long-term assets (5+ years)
$551Average Assets, year-to-date
$62,600Average Assets, quarterly
$16,696Volatile liabilities
$84,459Insider loans
$78,021FHLB advances
$12,962Loans and leases held for sale
$3,206Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$12,472Total unused commitments
$1,199Restructured Loans and leases
$555Derivatives

Income and Expense (December 31, 2008)

Dollar figures in thousands
$4,037Total interest income
$1,397Total interest expense
$2,640Net interest income
$533Provision for loan and lease losses
$896Total noninterest income
$284Fiduciary activities
$443Service charges on deposit accounts
$0Trading account gains & fees
$169Additional noninterest income
$2,682Total noninterest expense
$1,302Salaries and employee benefits
$272Premises and equipment expense
$1,108Additional noninterest expense
$321Pre-tax net operating income
-$2,554Securities gains (losses)
-$633Applicable income taxes
-$1,600Income before extraordinary items
$0Extraordinary gains - net
-$1,600Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$98Sale, conversion, retirement of capital stock, net
$350Net operating income

Performance and Condition Ratios (December 31, 2008)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.63%Yield on earning assets
1.95%Cost of funding earning assets
3.68%Net interest margin
1.25%Noninterest income to earning assets
3.74%Noninterest expense to earning assets
0.28%Net operating income to assets
-1.89%Return on assets (ROA)
-2.64%Pretax return on assets
-20.25%Return on equity (ROE)
-24.68%Retained earnings to average equity (YTD only)
0.27%Net charge-offs to loans
543.88%Credit loss provision to net charge-offs
8.71%Efficiency ratio
73,105Assets per employee
2.63%Cash dividends to net income (YTD only)
Condition Ratios (%)
-21.88%Loss allowance to loans
1.79%Loss allowance to noncurrent loans
32.42%Noncurrent assets plus other real estate owned to assets
5.24%Noncurrent loans to loans
5.52%Net loans and leases to deposits
49.80%Net loans and leases to core deposits
58.55%Equity capital to assets
8.88%Core capital (leverage) ratio
4.99%Tier 1 risk-based capital ratio
8.58%Total risk-based capital ratio
Memoranda
$10Average assets
$84,459Average earning assets
$7,901Average equity
$71,683Average loans

Total Fiduciary and Related Assets (December 31, 2008)

Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
YesFiduciary powers granted
YesFiduciary or related activity
$73,054Managed Assets
1Number of Accounts
$66,234Personal trust and agency accounts
$66,234Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Investment management agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
63Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$6,820Other retirement accounts
$0Corporate trust and agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices

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