FDIC Certificate #: 3844 Status: Active Federal Reserve ID: 271743 Bank Holding Company (Regulatory Top Holder): Lima Bancshares, Inc. (RSSDID: 1095928, Location: Lima, IL) Date Established: January 02, 1904 WWW:http://www.whitehallbank.net 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 #: 2501 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: 102 South Main Street, White Hall, IL 62092 County: Greene 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
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $52.2 mil Equity capital: $4.5 mil Deposits held in domestic offices: $44.0 mil Return on assets (ROA): 0.52% ($0.3 mil) Quarterly return on assets: 0.44% ($0.2 mil) Return on Equity (ROE): 6.52% ($0.3 mil) Quarterly return on equity: 5.19% ($0.3 mil) Net income: $0.3 mil Quarterly Net income: $0.1 mil Pretax return on assets: 0.53% ($276.5 mil) Quarterly Pretax return on assets: 0.44% ($229.5 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
13Total employees (full-time equivalent)
$52,167Total assets
$3,028Cash and due from depository institutions
$255Interest-bearing balances
$17,640Securities
$0Federal funds sold & reverse repurchase agreements
$29,744Net loans & leases
$576Loan loss allowance
$0Trading account assets
$571Bank premises and fixed assets
$325Other real estate owned
$0Goodwill and other intangibles
$52,167Life insurance assets
$859All other assets
$47,661Total liabilities and capital
$44,023Total liabilities
$38,335Total deposits
$44,023Interest-bearing deposits
$94Deposits held in domestic offices
54.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$3,500Trading liabilities
$0Other borrowed funds
$84Subordinated debt
$4,506All other liabilities
$4,506Total equity capital
$4,506Total bank equity capital
$0Perpetual preferred stock
$400Common stock
$2,561Surplus
$1,545Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$790Income earned, not collected on loans
$0Earning assets
$463Long-term assets (5+ years)
$47,639Average Assets, year-to-date
$26,086Average Assets, quarterly
$51,279Volatile liabilities
$52,392Insider loans
$33,365FHLB advances
$52,445Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$4,034Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$3,234Restructured Loans and leases
$125Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,382Total interest income
$616Total interest expense
$1,766Net interest income
$300Provision for loan and lease losses
$105Total noninterest income
$0Fiduciary activities
$4Service charges on deposit accounts
$0Trading account gains & fees
$101Additional noninterest income
$1,393Total noninterest expense
$729Salaries and employee benefits
$168Premises and equipment expense
$496Additional noninterest expense
$178Pre-tax net operating income
$92Securities gains (losses)
$1Applicable income taxes
$269Income before extraordinary items
$0Extraordinary gains - net
$269Net income attributable to bank
$0Net charge-offs
$269Cash dividends
$270Sale, conversion, retirement of capital stock, net
$90Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.97%Yield on earning assets
1.29%Cost of funding earning assets
3.69%Net interest margin
0.22%Noninterest income to earning assets
2.91%Noninterest expense to earning assets
0.35%Net operating income to assets
0.52%Return on assets (ROA)
0.53%Pretax return on assets
6.52%Return on equity (ROE)
4.34%Retained earnings to average equity (YTD only)
0.87%Net charge-offs to loans
111.11%Credit loss provision to net charge-offs
1.77%Efficiency ratio
74,452Assets per employee
4.01%Cash dividends to net income (YTD only)
Condition Ratios (%)
33.46%Loss allowance to loans
1.90%Loss allowance to noncurrent loans
72.91%Noncurrent assets plus other real estate owned to assets
2.14%Noncurrent loans to loans
2.61%Net loans and leases to deposits
67.56%Net loans and leases to core deposits
71.38%Equity capital to assets
8.64%Core capital (leverage) ratio
7.69%Tier 1 risk-based capital ratio
12.09%Total risk-based capital ratio
Memoranda
$13Average assets
$51,279Average earning assets
$4,127Average equity
$47,911Average loans
List of branches
1 Illinois Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
2501
White Hall Bank
102 South Main Street, White Hall, IL 62092
January 02, 1904
Full Service Brick and Mortar
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