Woodford County Bank in El Paso, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of March 01, 1997

Woodford County Bank in El Paso, Illinois (IL)
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Woodford County Bank - Overview

General
FDIC Certificate #: 14986
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Heartland Bank and Trust Company (#20369)
Federal Reserve ID: 922438
Date Established: September 02, 1900
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Interstate: No)
FDIC's unique #: 9390
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: Yes
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: March 01, 1997
Last Structure Change Process Date: March 27, 1997
Last Data Update: March 27, 1997
Data Source Date: April 05, 2012
Location
Address: 99 North Elm Street, El Paso, IL 61738
County: Woodford
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Princeton
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Central
Metropolitan Statistical Area (MSA): Peoria-Pekin, IL (#6120)
Combined Statistical Area (CSA): Peoria-Canton, IL (#426)
Core Based Statistical Area (CBSA): Peoria, IL (#37900)
CBSA Metro Statistical Area: Peoria, IL (#37900)
Financial Summary
Total assets: $44.2 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

Dollar figures in thousands
0Total employees (full-time equivalent)
$16Total assets
$44,163Cash and due from depository institutions
$2,856Interest-bearing balances
$0Securities
$15,792Federal funds sold & reverse repurchase agreements
$0Net loans & leases
$24,397Loan loss allowance
$465Trading account assets
$0Bank premises and fixed assets
$197Other real estate owned
$0Goodwill and other intangibles
$808Life insurance assets
$113All other assets
$0Total liabilities and capital
$44,163Total liabilities
$40,377Total deposits
$38,536Interest-bearing deposits
$34,000Deposits held in domestic offices
38536.00%% insured (estimated)
$92Federal funds purchased & repurchase agreements
$1,622Trading liabilities
$0Other borrowed funds
$27Subordinated debt
$0All other liabilities
$192Total equity capital
$192Total bank equity capital
$3,786Perpetual preferred stock
$0Common stock
$800Surplus
$2,500Undivided profits
Memoranda
$486Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$462Earning assets
$40,189Long-term assets (5+ years)
$4,510Average Assets, year-to-date
$44,034Average Assets, quarterly
$44,205Volatile liabilities
$2,757Insider loans
$156FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$6,370Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$3,670Total risk weighted assets
$26,723Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1996)

Dollar figures in thousands
$0Total interest income
$3,108Total interest expense
$1,365Net interest income
$1,743Provision for loan and lease losses
$0Total noninterest income
$355Fiduciary activities
$0Service charges on deposit accounts
$196Trading account gains & fees
$0Additional noninterest income
$159Total noninterest expense
$1,443Salaries and employee benefits
$844Premises and equipment expense
$135Additional noninterest expense
$464Pre-tax net operating income
$655Securities gains (losses)
$0Applicable income taxes
$157Income before extraordinary items
$498Extraordinary gains - net
$0Net income attributable to bank
$498Net charge-offs
$6Cash dividends
$190Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1996)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
7.66%Cost of funding earning assets
3.36%Net interest margin
4.30%Noninterest income to earning assets
0.87%Noninterest expense to earning assets
3.56%Net operating income to assets
1.13%Return on assets (ROA)
1.13%Pretax return on assets
1.49%Return on equity (ROE)
13.72%Retained earnings to average equity (YTD only)
8.48%Net charge-offs to loans
0.03%Credit loss provision to net charge-offs
0.00%Efficiency ratio
68,160Assets per employee
2.76%Cash dividends to net income (YTD only)
Condition Ratios (%)
38.15%Loss allowance to loans
1.87%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
63.31%Net loans and leases to core deposits
65.23%Equity capital to assets
8.57%Core capital (leverage) ratio
8.35%Tier 1 risk-based capital ratio
13.73%Total risk-based capital ratio
Memoranda
$15Average assets
$44,034Average earning assets
$3,630Average equity
$40,575Average loans

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