State Bank of Whittington in city_name, state_name - Detailed Financial Reports, Location

State Bank of Whittington in Benton, Illinois (IL)
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State Bank of Whittington routing number info

State Bank of Whittington - Overview

General
FDIC Certificate #: 19689
Status: Active
Federal Reserve ID: 270148
Bank Holding Company (Regulatory Top Holder): Whittington Bancorp, Inc. (RSSDID: 1140725, Location: Benton, IL)
Date Established: August 05, 1919
WWW: http://www.statebankofwhittington.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 4 (Domestic: 4, Interstate: No)
FDIC's unique #: 13488
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: All Other Specialization < 1 Billion
Date of Deposit Insurance: March 16, 1967
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: 200 North Main Street, Benton, IL 62812
County: Franklin
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Mount Vernon
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: $109.4 mil
Equity capital: $9.2 mil
Deposits held in domestic offices: $99.6 mil
Return on assets (ROA): 1.00% ($1.1 mil)
Quarterly return on assets: 0.69% ($0.8 mil)
Return on Equity (ROE): 11.91% ($1.1 mil)
Quarterly return on equity: 8.15% ($0.7 mil)
Net income: $1.1 mil
Quarterly Net income: $0.2 mil
Pretax return on assets: 1.00% ($1,093.7 mil)
Quarterly Pretax return on assets: 0.69% ($754.7 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
42Total employees (full-time equivalent)
$109,374Total assets
$9,670Cash and due from depository institutions
$7,150Interest-bearing balances
$37,159Securities
$2,461Federal funds sold & reverse repurchase agreements
$53,521Net loans & leases
$824Loan loss allowance
$0Trading account assets
$3,438Bank premises and fixed assets
$221Other real estate owned
$0Goodwill and other intangibles
$109,374Life insurance assets
$2,904All other assets
$100,163Total liabilities and capital
$99,625Total liabilities
$75,705Total deposits
$99,625Interest-bearing deposits
$90Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$538Subordinated debt
$9,211All other liabilities
$9,211Total equity capital
$9,211Total bank equity capital
$0Perpetual preferred stock
$150Common stock
$1,350Surplus
$7,711Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,584Income earned, not collected on loans
$0Earning assets
$606Long-term assets (5+ years)
$100,291Average Assets, year-to-date
$14,453Average Assets, quarterly
$106,258Volatile liabilities
$108,796Insider loans
$58,706FHLB advances
$109,310Loans and leases held for sale
$2,064Unused loan commitments
$2,064Tier 1 (core) risk-based capital
$8,614Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$3,667Restructured Loans and leases
$712Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$4,627Total interest income
$510Total interest expense
$4,117Net interest income
$240Provision for loan and lease losses
$654Total noninterest income
$0Fiduciary activities
$328Service charges on deposit accounts
$0Trading account gains & fees
$326Additional noninterest income
$3,475Total noninterest expense
$1,514Salaries and employee benefits
$511Premises and equipment expense
$1,450Additional noninterest expense
$1,056Pre-tax net operating income
$10Securities gains (losses)
$0Applicable income taxes
$1,066Income before extraordinary items
$0Extraordinary gains - net
$1,066Net income attributable to bank
$0Net charge-offs
$1,066Cash dividends
$211Sale, conversion, retirement of capital stock, net
$650Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.78%Yield on earning assets
0.53%Cost of funding earning assets
4.26%Net interest margin
0.68%Noninterest income to earning assets
3.59%Noninterest expense to earning assets
0.99%Net operating income to assets
1.00%Return on assets (ROA)
1.00%Pretax return on assets
11.91%Return on equity (ROE)
4.65%Retained earnings to average equity (YTD only)
0.39%Net charge-offs to loans
113.74%Credit loss provision to net charge-offs
6.14%Efficiency ratio
72,836Assets per employee
2.60%Cash dividends to net income (YTD only)
Condition Ratios (%)
60.98%Loss allowance to loans
1.52%Loss allowance to noncurrent loans
52.02%Noncurrent assets plus other real estate owned to assets
1.65%Noncurrent loans to loans
2.91%Net loans and leases to deposits
53.72%Net loans and leases to core deposits
56.49%Equity capital to assets
8.42%Core capital (leverage) ratio
7.88%Tier 1 risk-based capital ratio
14.67%Total risk-based capital ratio
Memoranda
$16Average assets
$106,258Average earning assets
$8,950Average equity
$96,745Average loans

List of branches

4 Illinois Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	13488	State Bank Of Whittington	200 North Main Street, Benton, IL 62812	August 05, 1919	Full Service Brick and Mortar
1	249238	Whittington Branch	100 Main Street, Whittington, IL 62897	June 27, 1994	Full Service Brick and Mortar
2	249239	Sesser Branch	700 E Franklin, Sesser, IL 62884	October 29, 1998	Full Service Brick and Mortar
3	467257	Christopher Branch	400 West Adelaide, Christopher, IL 62822	August 13, 2007	Full Service Brick and Mortar

State Bank of Whittington in Benton, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

State Bank of Whittington - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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State Bank of Whittington in Benton, Illinois (IL)Overview, Financial Summary, Detailed Financial Reports, Branches

State Bank of Whittington - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

State Bank of Whittington in Benton, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches