FDIC Certificate #: 30618 Status: Active Federal Reserve ID: 322476 Date Established: January 01, 1890 Trust Powers Granted: No Bank Charter Class: Savings banks, state charter, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 5641 FDIC's unique #: 43452 Numeric code: 42 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) FDIC Insured: Yes Insured Savings Institution: 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: All Other Specialization < 1 Billion Date of Deposit Insurance: September 14, 1953 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: 400 Chestnut Street, Mount Carmel, IL 62863 County: Wabash Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Chicago FDIC Field Office: Mount Vernon Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: Central
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $11.4 mil Equity capital: $1.6 mil Deposits held in domestic offices: $9.8 mil Return on assets (ROA): -0.11% (-$0.0 mil) Quarterly return on assets: 0.24% ($0.0 mil) Return on Equity (ROE): -0.77% (-$0.0 mil) Quarterly return on equity: 1.78% ($0.0 mil) Net income: -$0.0 mil Quarterly Net income: $0.0 mil Pretax return on assets: -0.07% (-$8.0 mil) Quarterly Pretax return on assets: 0.52% ($59.1 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2011)
Dollar figures in thousands
4Total employees (full-time equivalent)
$11,372Total assets
$1,259Cash and due from depository institutions
$1,105Interest-bearing balances
$4,084Securities
$0Federal funds sold & reverse repurchase agreements
$5,438Net loans & leases
$64Loan loss allowance
$0Trading account assets
$60Bank premises and fixed assets
$358Other real estate owned
$0Goodwill and other intangibles
$11,372Life insurance assets
$173All other assets
$9,797Total liabilities and capital
$9,775Total liabilities
$9,673Total deposits
$9,775Interest-bearing deposits
$100Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$22Subordinated debt
$1,575All other liabilities
$1,575Total equity capital
$1,575Total bank equity capital
$0Perpetual preferred stock
$0Common stock
$0Surplus
$1,575Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$2Income earned, not collected on loans
$0Earning assets
$55Long-term assets (5+ years)
$10,627Average Assets, year-to-date
$4,027Average Assets, quarterly
$11,179Volatile liabilities
$11,489Insider loans
$5,405FHLB advances
$11,527Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$1,546Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$0Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$496Total interest income
$106Total interest expense
$390Net interest income
$21Provision for loan and lease losses
$18Total noninterest income
$0Fiduciary activities
$16Service charges on deposit accounts
$0Trading account gains & fees
$2Additional noninterest income
$395Total noninterest expense
$200Salaries and employee benefits
$12Premises and equipment expense
$183Additional noninterest expense
-$8Pre-tax net operating income
$0Securities gains (losses)
$4Applicable income taxes
-$12Income before extraordinary items
$0Extraordinary gains - net
-$12Net income attributable to bank
$0Net charge-offs
-$12Cash dividends
-$1Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.76%Yield on earning assets
1.02%Cost of funding earning assets
3.74%Net interest margin
0.17%Noninterest income to earning assets
3.79%Noninterest expense to earning assets
-0.11%Net operating income to assets
-0.11%Return on assets (ROA)
-0.07%Pretax return on assets
-0.77%Return on equity (ROE)
-0.77%Retained earnings to average equity (YTD only)
-0.02%Net charge-offs to loans
-2100.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
96,814Assets per employee
2.84%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.16%Loss allowance to noncurrent loans
3200.00%Noncurrent assets plus other real estate owned to assets
3.17%Noncurrent loans to loans
0.04%Net loans and leases to deposits
55.63%Net loans and leases to core deposits
55.63%Equity capital to assets
13.85%Core capital (leverage) ratio
13.41%Tier 1 risk-based capital ratio
28.60%Total risk-based capital ratio
Memoranda
$30Average assets
$11,179Average earning assets
$1,552Average equity
$10,430Average loans
List of branches
1 Illinois Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
43452
Wabash Savings Bank
400 Chestnut Street, Mount Carmel, IL 62863
January 01, 1890
Full Service Brick and Mortar
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