Community Bank in Winslow, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Community Bank in Winslow, Illinois (IL)
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Community Bank - Overview

  • General
  • FDIC Certificate #: 10791
    Status: Active
    Federal Reserve ID: 430344
    Bank Holding Company (Regulatory Top Holder): Stateline Community Bancshares, Inc. (RSSDID: 1975468, Location: Orangeville, IL)
    Date Established: October 15, 1915
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 13564
    FDIC's unique #: 6900
    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: 233 Carver Street, Winslow, IL 61089
    County: Stephenson
    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
    Combined Statistical Area (CSA): Rockford-Freeport-Rochelle, IL (#466)
    Core Based Statistical Area (CBSA): Freeport, IL (#23300)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $141.6 mil
    Equity capital: $19.6 mil
    Deposits held in domestic offices: $110.1 mil
    Return on assets (ROA): 1.28% ($1.8 mil)
    Quarterly return on assets: 0.29% ($0.4 mil)
    Return on Equity (ROE): 9.47% ($1.9 mil)
    Quarterly return on equity: 2.11% ($0.4 mil)
    Net income: $1.7 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.29% ($1,826.5 mil)
    Quarterly Pretax return on assets: 0.34% ($481.4 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
  • 18Total employees (full-time equivalent)
  • $141,592Total assets
  • $6,574Cash and due from depository institutions
  • $4,171Interest-bearing balances
  • $56,981Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $71,939Net loans & leases
  • $786Loan loss allowance
  • $0Trading account assets
  • $1,404Bank premises and fixed assets
  • $0Other real estate owned
  • $41Goodwill and other intangibles
  • $141,592Life insurance assets
  • $4,653All other assets
  • $122,026Total liabilities and capital
  • $110,088Total liabilities
  • $102,908Total deposits
  • $110,088Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $10,000Trading liabilities
  • $0Other borrowed funds
  • $1,938Subordinated debt
  • $19,566All other liabilities
  • $19,566Total equity capital
  • $19,566Total bank equity capital
  • $0Perpetual preferred stock
  • $550Common stock
  • $1,825Surplus
  • $17,191Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,318Income earned, not collected on loans
  • $0Earning assets
  • $778Long-term assets (5+ years)
  • $133,091Average Assets, year-to-date
  • $74,382Average Assets, quarterly
  • $135,342Volatile liabilities
  • $140,322Insider loans
  • $82,283FHLB advances
  • $140,604Loans and leases held for sale
  • $2,688Unused loan commitments
  • $2,688Tier 1 (core) risk-based capital
  • $17,550Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $6,661Restructured Loans and leases
  • $1,851Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,862Total interest income
  • $1,874Total interest expense
  • $3,988Net interest income
  • $335Provision for loan and lease losses
  • $218Total noninterest income
  • $0Fiduciary activities
  • $151Service charges on deposit accounts
  • $0Trading account gains & fees
  • $67Additional noninterest income
  • $2,428Total noninterest expense
  • $1,284Salaries and employee benefits
  • $320Premises and equipment expense
  • $824Additional noninterest expense
  • $1,443Pre-tax net operating income
  • $309Securities gains (losses)
  • $16Applicable income taxes
  • $1,736Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,736Net income attributable to bank
  • $0Net charge-offs
  • $1,736Cash dividends
  • $717Sale, conversion, retirement of capital stock, net
  • $355Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.62%Yield on earning assets
  • 1.48%Cost of funding earning assets
  • 3.14%Net interest margin
  • 0.17%Noninterest income to earning assets
  • 1.91%Noninterest expense to earning assets
  • 1.06%Net operating income to assets
  • 1.28%Return on assets (ROA)
  • 1.29%Pretax return on assets
  • 9.47%Return on equity (ROE)
  • 7.53%Retained earnings to average equity (YTD only)
  • 1.02%Net charge-offs to loans
  • 46.72%Credit loss provision to net charge-offs
  • 2.48%Efficiency ratio
  • 57,727Assets per employee
  • 7.87%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 20.45%Loss allowance to loans
  • 1.08%Loss allowance to noncurrent loans
  • 59.64%Noncurrent assets plus other real estate owned to assets
  • 0.93%Noncurrent loans to loans
  • 1.81%Net loans and leases to deposits
  • 65.35%Net loans and leases to core deposits
  • 66.87%Equity capital to assets
  • 13.82%Core capital (leverage) ratio
  • 12.48%Tier 1 risk-based capital ratio
  • 21.33%Total risk-based capital ratio
  • Memoranda
  • $22Average assets
  • $135,342Average earning assets
  • $18,335Average equity
  • $126,910Average loans

List of branches

  • 4 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06900Community Bank233 Carver Street, Winslow, IL 61089October 15, 1915Full Service Brick and Mortar
    1223007Warren Branch202 West Main Street, Warren, IL 61087November 23, 1994Full Service Brick and Mortar
    211661Orangeville Community Branch401 South Church Street, Orangeville, IL 61060December 21, 1956Full Service Brick and Mortar
    4457437Lena Street Branch420 East Lena Street, Lena, IL 61048December 01, 2006Full Service Brick and Mortar

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