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


Community Bank - Overview

  • General
  • FDIC Certificate #: 12387
    Status: Active
    Federal Reserve ID: 546647
    Bank Holding Company (Regulatory Top Holder): Wellington Bancorp, Inc. (RSSDID: 1406908, Location: Springfield, IL)
    Date Established: May 18, 1913
    WWW: http://www.hoopestonbank.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 7877
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion
    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: 221 Bank Street, Hoopeston, IL 60942
    County: Vermilion
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Champaign
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Core Based Statistical Area (CBSA): Danville, IL (#19180)
    CBSA Metro Statistical Area: Danville, IL (#19180)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $78.8 mil
    Equity capital: $7.1 mil
    Deposits held in domestic offices: $70.4 mil
    Return on assets (ROA): 0.86% ($0.7 mil)
    Quarterly return on assets: 0.89% ($0.7 mil)
    Return on Equity (ROE): 9.53% ($0.7 mil)
    Quarterly return on equity: 9.93% ($0.7 mil)
    Net income: $0.7 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.86% ($677.8 mil)
    Quarterly Pretax return on assets: 0.89% ($701.4 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
  • 23Total employees (full-time equivalent)
  • $78,813Total assets
  • $27,781Cash and due from depository institutions
  • $27,129Interest-bearing balances
  • $22,565Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $27,432Net loans & leases
  • $297Loan loss allowance
  • $0Trading account assets
  • $382Bank premises and fixed assets
  • $170Other real estate owned
  • $0Goodwill and other intangibles
  • $78,813Life insurance assets
  • $483All other assets
  • $71,674Total liabilities and capital
  • $70,447Total liabilities
  • $59,110Total deposits
  • $70,447Interest-bearing deposits
  • $83Deposits held in domestic offices
  • 1150.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $77Subordinated debt
  • $7,139All other liabilities
  • $7,139Total equity capital
  • $7,139Total bank equity capital
  • $0Perpetual preferred stock
  • $553Common stock
  • $1,950Surplus
  • $4,636Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $135Income earned, not collected on loans
  • $0Earning assets
  • $339Long-term assets (5+ years)
  • $77,126Average Assets, year-to-date
  • $3,375Average Assets, quarterly
  • $77,859Volatile liabilities
  • $78,775Insider loans
  • $34,280FHLB advances
  • $80,105Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $7,139Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,966Restructured Loans and leases
  • $8Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,536Total interest income
  • $556Total interest expense
  • $1,980Net interest income
  • $19Provision for loan and lease losses
  • $289Total noninterest income
  • $1Fiduciary activities
  • $178Service charges on deposit accounts
  • $0Trading account gains & fees
  • $110Additional noninterest income
  • $1,579Total noninterest expense
  • $825Salaries and employee benefits
  • $145Premises and equipment expense
  • $609Additional noninterest expense
  • $671Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $671Income before extraordinary items
  • $0Extraordinary gains - net
  • $671Net income attributable to bank
  • $0Net charge-offs
  • $671Cash dividends
  • $14Sale, conversion, retirement of capital stock, net
  • $645Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.47%Yield on earning assets
  • 0.76%Cost of funding earning assets
  • 2.71%Net interest margin
  • 0.40%Noninterest income to earning assets
  • 2.16%Noninterest expense to earning assets
  • 0.86%Net operating income to assets
  • 0.86%Return on assets (ROA)
  • 0.86%Pretax return on assets
  • 9.53%Return on equity (ROE)
  • 0.37%Retained earnings to average equity (YTD only)
  • 0.05%Net charge-offs to loans
  • 135.71%Credit loss provision to net charge-offs
  • 49.29%Efficiency ratio
  • 69,590Assets per employee
  • 3.43%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 96.13%Loss allowance to loans
  • 1.07%Loss allowance to noncurrent loans
  • 220.00%Noncurrent assets plus other real estate owned to assets
  • 0.39%Noncurrent loans to loans
  • 0.49%Net loans and leases to deposits
  • 38.94%Net loans and leases to core deposits
  • 39.39%Equity capital to assets
  • 9.06%Core capital (leverage) ratio
  • 8.91%Tier 1 risk-based capital ratio
  • 20.83%Total risk-based capital ratio
  • Memoranda
  • $22Average assets
  • $77,859Average earning assets
  • $7,043Average equity
  • $73,052Average 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
  • $309Managed Assets
  • 1Number of Accounts
  • $309Personal trust and agency accounts
  • $309Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 5Number 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

  • 2 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07877Community Bank221 Bank Street, Hoopeston, IL 60942May 18, 1913Full Service Brick and Mortar
    1227035Hoopeston FacilityRoutes 1 And 9, Hoopeston, IL 60942May 13, 1983Limited Service Facility

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