Wabash Savings Bank in Mount Carmel, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches


Wabash Savings Bank - Overview

  • General
  • FDIC Certificate #: 30618
    Status: Active
    Federal Reserve ID: 322476
    Date Established: January 01, 1890
    Trust Powers Granted: No
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 5641
    FDIC's unique #: 43452
    Numeric code: 42
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: September 14, 1953
    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: 400 Chestnut Street, Mount Carmel, IL 62863
    County: Wabash
    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: $11.4 mil
    Equity capital: $1.6 mil
    Deposits held in domestic offices: $9.8 mil
    Return on assets (ROA): -0.11% (-$0.0 mil)
    Quarterly return on assets: 0.24% ($0.0 mil)
    Return on Equity (ROE): -0.77% (-$0.0 mil)
    Quarterly return on equity: 1.78% ($0.0 mil)
    Net income: -$0.0 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: -0.07% (-$8.0 mil)
    Quarterly Pretax return on assets: 0.52% ($59.1 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
  • 4Total employees (full-time equivalent)
  • $11,372Total assets
  • $1,259Cash and due from depository institutions
  • $1,105Interest-bearing balances
  • $4,084Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $5,438Net loans & leases
  • $64Loan loss allowance
  • $0Trading account assets
  • $60Bank premises and fixed assets
  • $358Other real estate owned
  • $0Goodwill and other intangibles
  • $11,372Life insurance assets
  • $173All other assets
  • $9,797Total liabilities and capital
  • $9,775Total liabilities
  • $9,673Total deposits
  • $9,775Interest-bearing deposits
  • $100Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $22Subordinated debt
  • $1,575All other liabilities
  • $1,575Total equity capital
  • $1,575Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $1,575Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2Income earned, not collected on loans
  • $0Earning assets
  • $55Long-term assets (5+ years)
  • $10,627Average Assets, year-to-date
  • $4,027Average Assets, quarterly
  • $11,179Volatile liabilities
  • $11,489Insider loans
  • $5,405FHLB advances
  • $11,527Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $1,546Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $496Total interest income
  • $106Total interest expense
  • $390Net interest income
  • $21Provision for loan and lease losses
  • $18Total noninterest income
  • $0Fiduciary activities
  • $16Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2Additional noninterest income
  • $395Total noninterest expense
  • $200Salaries and employee benefits
  • $12Premises and equipment expense
  • $183Additional noninterest expense
  • -$8Pre-tax net operating income
  • $0Securities gains (losses)
  • $4Applicable income taxes
  • -$12Income before extraordinary items
  • $0Extraordinary gains - net
  • -$12Net income attributable to bank
  • $0Net charge-offs
  • -$12Cash dividends
  • -$1Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.76%Yield on earning assets
  • 1.02%Cost of funding earning assets
  • 3.74%Net interest margin
  • 0.17%Noninterest income to earning assets
  • 3.79%Noninterest expense to earning assets
  • -0.11%Net operating income to assets
  • -0.11%Return on assets (ROA)
  • -0.07%Pretax return on assets
  • -0.77%Return on equity (ROE)
  • -0.77%Retained earnings to average equity (YTD only)
  • -0.02%Net charge-offs to loans
  • -2100.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 96,814Assets per employee
  • 2.84%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.16%Loss allowance to noncurrent loans
  • 3200.00%Noncurrent assets plus other real estate owned to assets
  • 3.17%Noncurrent loans to loans
  • 0.04%Net loans and leases to deposits
  • 55.63%Net loans and leases to core deposits
  • 55.63%Equity capital to assets
  • 13.85%Core capital (leverage) ratio
  • 13.41%Tier 1 risk-based capital ratio
  • 28.60%Total risk-based capital ratio
  • Memoranda
  • $30Average assets
  • $11,179Average earning assets
  • $1,552Average equity
  • $10,430Average loans

List of branches

  • 1 Illinois Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    043452Wabash Savings Bank400 Chestnut Street, Mount Carmel, IL 62863January 01, 1890Full Service Brick and Mortar

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