Winchester National Bank in Winchester, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of August 27, 1993

Winchester National Bank in Winchester, Illinois (IL)
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Winchester National Bank - Overview

General
FDIC Certificate #: 1050
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: First Bank (#3825)
Federal Reserve ID: 274342
Date Established: January 06, 1886
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 1 (Interstate: No)
FDIC's unique #: 702
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: No
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: August 27, 1993
Last Structure Change Process Date: September 02, 1993
Last Data Update: September 02, 1993
Data Source Date: April 05, 2012
Location
Address: 21 East Market, Winchester, IL 62694
County: Scott
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
Financial Summary
Total assets: $27.5 mil

Assets and Liabilities (December 31, 1992)

Dollar figures in thousands
0Total employees (full-time equivalent)
$12Total assets
$28,214Cash and due from depository institutions
$1,433Interest-bearing balances
$100Securities
$9,727Federal funds sold & reverse repurchase agreements
$4,900Net loans & leases
$11,662Loan loss allowance
$384Trading account assets
$0Bank premises and fixed assets
$144Other real estate owned
$5Goodwill and other intangibles
$343Life insurance assets
$0All other assets
$0Total liabilities and capital
$28,214Total liabilities
$25,199Total deposits
$25,066Interest-bearing deposits
$22,730Deposits held in domestic offices
25066.00%% insured (estimated)
$97Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$133Total equity capital
$133Total bank equity capital
$3,015Perpetual preferred stock
$0Common stock
$110Surplus
$110Undivided profits
Memoranda
$2,795Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$9Income earned, not collected on loans
$170Earning assets
$26,389Long-term assets (5+ years)
$1,920Average Assets, year-to-date
$27,708Average Assets, quarterly
$28,042Volatile liabilities
$1,640Insider loans
$85FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$496Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$3,015Total risk weighted assets
$13,130Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1992)

Dollar figures in thousands
$0Total interest income
$2,118Total interest expense
$1,049Net interest income
$1,069Provision for loan and lease losses
$120Total noninterest income
$89Fiduciary activities
$0Service charges on deposit accounts
$71Trading account gains & fees
$0Additional noninterest income
$18Total noninterest expense
$648Salaries and employee benefits
$292Premises and equipment expense
$107Additional noninterest expense
$249Pre-tax net operating income
$390Securities gains (losses)
$0Applicable income taxes
$83Income before extraordinary items
$307Extraordinary gains - net
$0Net income attributable to bank
$307Net charge-offs
$57Cash dividends
$110Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1992)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
8.07%Cost of funding earning assets
4.00%Net interest margin
4.08%Noninterest income to earning assets
0.34%Noninterest expense to earning assets
2.47%Net operating income to assets
1.11%Return on assets (ROA)
1.11%Pretax return on assets
1.41%Return on equity (ROE)
10.56%Retained earnings to average equity (YTD only)
6.78%Net charge-offs to loans
0.48%Credit loss provision to net charge-offs
210.53%Efficiency ratio
55,959Assets per employee
2.35%Cash dividends to net income (YTD only)
Condition Ratios (%)
35.83%Loss allowance to loans
3.19%Loss allowance to noncurrent loans
4266.67%Noncurrent assets plus other real estate owned to assets
0.05%Noncurrent loans to loans
0.07%Net loans and leases to deposits
46.53%Net loans and leases to core deposits
49.78%Equity capital to assets
10.69%Core capital (leverage) ratio
10.43%Tier 1 risk-based capital ratio
22.96%Total risk-based capital ratio
Memoranda
$24Average assets
$27,708Average earning assets
$2,907Average equity
$26,233Average loans

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