Wemple State Bank in city_name, state_name - Detailed Financial Reports, Location

Wemple State Bank in Waverly, Illinois (IL)
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Wemple State Bank routing number info

Wemple State Bank - Overview

General
FDIC Certificate #: 12393
Status: Active
Federal Reserve ID: 148144
Bank Holding Company (Regulatory Top Holder): Lima Bancshares, Inc. (RSSDID: 1095928, Location: Lima, IL)
Date Established: November 21, 1877
WWW: http://www.wemplestatebank.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 3 (Domestic: 3, Interstate: No)
OTS Docket #: 14150
FDIC's unique #: 7881
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Agricultural lending institution: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: Yes
Asset Concentration Hierarchy: Agricultural Specialization
Date of Deposit Insurance: January 01, 1934
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: 197 West State, Waverly, IL 62692
County: Morgan
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Springfield Il
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Central
Core Based Statistical Area (CBSA): Jacksonville, IL (#27300)
CBSA Micro Statistical Area: Yes
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $68.0 mil
Equity capital: $5.7 mil
Deposits held in domestic offices: $58.7 mil
Return on assets (ROA): 1.50% ($1.0 mil)
Quarterly return on assets: 1.83% ($1.2 mil)
Return on Equity (ROE): 18.51% ($1.1 mil)
Quarterly return on equity: 21.79% ($1.3 mil)
Net income: $1.0 mil
Quarterly Net income: $0.3 mil
Pretax return on assets: 1.53% ($1,040.0 mil)
Quarterly Pretax return on assets: 1.84% ($1,250.7 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
17Total employees (full-time equivalent)
$67,971Total assets
$4,039Cash and due from depository institutions
$319Interest-bearing balances
$14,465Securities
$0Federal funds sold & reverse repurchase agreements
$46,653Net loans & leases
$462Loan loss allowance
$0Trading account assets
$549Bank premises and fixed assets
$242Other real estate owned
$0Goodwill and other intangibles
$67,971Life insurance assets
$2,023All other assets
$62,268Total liabilities and capital
$58,710Total liabilities
$42,331Total deposits
$58,710Interest-bearing deposits
$95Deposits held in domestic offices
1138.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$2,000Trading liabilities
$0Other borrowed funds
$420Subordinated debt
$5,703All other liabilities
$5,703Total equity capital
$5,703Total bank equity capital
$0Perpetual preferred stock
$225Common stock
$1,325Surplus
$4,153Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$152Income earned, not collected on loans
$0Earning assets
$567Long-term assets (5+ years)
$61,437Average Assets, year-to-date
$15,640Average Assets, quarterly
$64,196Volatile liabilities
$66,836Insider loans
$49,974FHLB advances
$65,915Loans and leases held for sale
$955Unused loan commitments
$955Tier 1 (core) risk-based capital
$5,350Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$7,503Restructured Loans and leases
$1,870Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$3,157Total interest income
$491Total interest expense
$2,666Net interest income
$250Provision for loan and lease losses
$331Total noninterest income
$11Fiduciary activities
$178Service charges on deposit accounts
$0Trading account gains & fees
$142Additional noninterest income
$1,796Total noninterest expense
$899Salaries and employee benefits
$251Premises and equipment expense
$646Additional noninterest expense
$951Pre-tax net operating income
$32Securities gains (losses)
$18Applicable income taxes
$965Income before extraordinary items
$0Extraordinary gains - net
$965Net income attributable to bank
$0Net charge-offs
$965Cash dividends
$215Sale, conversion, retirement of capital stock, net
$540Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.35%Yield on earning assets
0.83%Cost of funding earning assets
4.52%Net interest margin
0.56%Noninterest income to earning assets
3.04%Noninterest expense to earning assets
1.45%Net operating income to assets
1.50%Return on assets (ROA)
1.53%Pretax return on assets
18.51%Return on equity (ROE)
8.15%Retained earnings to average equity (YTD only)
0.46%Net charge-offs to loans
116.28%Credit loss provision to net charge-offs
5.59%Efficiency ratio
58,959Assets per employee
4.00%Cash dividends to net income (YTD only)
Condition Ratios (%)
55.96%Loss allowance to loans
0.98%Loss allowance to noncurrent loans
303.95%Noncurrent assets plus other real estate owned to assets
0.58%Noncurrent loans to loans
0.32%Net loans and leases to deposits
79.46%Net loans and leases to core deposits
80.15%Equity capital to assets
8.39%Core capital (leverage) ratio
8.12%Tier 1 risk-based capital ratio
10.71%Total risk-based capital ratio
Memoranda
$12Average assets
$64,196Average earning assets
$5,213Average equity
$59,041Average loans

Total Fiduciary and Related Assets (December 31, 2011)

Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
YesFiduciary powers granted
YesFiduciary or related activity
$1,490Managed Assets
1Number of Accounts
$1,490Personal trust and agency accounts
$1,382Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$108Corporate trust and agency accounts
$0Investment management agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
7Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices

List of branches

3 Illinois Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	7881	Wemple State Bank	197 West State, Waverly, IL 62692	November 21, 1877	Full Service Brick and Mortar
1	449901	Palmyra Branch	142 West State Street, Palmyra, IL 62674	March 13, 2006	Full Service Brick and Mortar
2	1185	Morrisonville Branch	409 Carlin Street, Morrisonville, IL 62546	January 20, 1930	Full Service Brick and Mortar

Wemple State Bank in Waverly, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

Wemple State Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Wemple State Bank in Waverly, Illinois (IL)Overview, Financial Summary, Detailed Financial Reports, Branches

Wemple State Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Wemple State Bank in Waverly, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches