Warren-Boynton State Bank in New Berlin, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Warren-Boynton State Bank in New Berlin, Illinois (IL)
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Warren-Boynton State Bank - Overview

  • General
  • FDIC Certificate #: 11674
    Status: Active
    Federal Reserve ID: 837448
    Bank Holding Company (Regulatory Top Holder): W B Bancorp, Inc. (RSSDID: 1207459, Location: New Berlin, IL)
    Date Established: August 29, 1877
    WWW: http://www.wbsb.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)
    OTS Docket #: 13398
    FDIC's unique #: 7461
    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: No
    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: 702 West Illinois Street, New Berlin, IL 62670
    County: Sangamon
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Springfield Il
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Springfield, IL (#7880)
    Core Based Statistical Area (CBSA): Springfield, IL (#44100)
    CBSA Metro Statistical Area: Springfield, IL (#44100)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $124.6 mil
    Equity capital: $15.9 mil
    Deposits held in domestic offices: $100.3 mil
    Return on assets (ROA): 1.28% ($1.6 mil)
    Quarterly return on assets: 1.01% ($1.3 mil)
    Return on Equity (ROE): 9.93% ($1.6 mil)
    Quarterly return on equity: 7.68% ($1.2 mil)
    Net income: $1.5 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.95% ($2,429.5 mil)
    Quarterly Pretax return on assets: 1.48% ($1,844.0 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)
  • $124,592Total assets
  • $3,671Cash and due from depository institutions
  • $1,524Interest-bearing balances
  • $25,186Securities
  • $1,525Federal funds sold & reverse repurchase agreements
  • $90,390Net loans & leases
  • $1,177Loan loss allowance
  • $0Trading account assets
  • $1,352Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $124,593Life insurance assets
  • $2,468All other assets
  • $108,730Total liabilities and capital
  • $100,258Total liabilities
  • $86,144Total deposits
  • $100,258Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $7,009Trading liabilities
  • $0Other borrowed funds
  • $1,463Subordinated debt
  • $15,863All other liabilities
  • $15,863Total equity capital
  • $15,863Total bank equity capital
  • $0Perpetual preferred stock
  • $214Common stock
  • $2,350Surplus
  • $13,299Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $1,140Long-term assets (5+ years)
  • $118,625Average Assets, year-to-date
  • $32,847Average Assets, quarterly
  • $117,724Volatile liabilities
  • $121,437Insider loans
  • $96,779FHLB advances
  • $121,802Loans and leases held for sale
  • $49Unused loan commitments
  • $49Tier 1 (core) risk-based capital
  • $15,095Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $22,519Restructured Loans and leases
  • $935Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,886Total interest income
  • $967Total interest expense
  • $4,919Net interest income
  • $160Provision for loan and lease losses
  • $554Total noninterest income
  • $42Fiduciary activities
  • $202Service charges on deposit accounts
  • $0Trading account gains & fees
  • $310Additional noninterest income
  • $3,038Total noninterest expense
  • $1,778Salaries and employee benefits
  • $414Premises and equipment expense
  • $846Additional noninterest expense
  • $2,275Pre-tax net operating income
  • $23Securities gains (losses)
  • $789Applicable income taxes
  • $1,509Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,509Net income attributable to bank
  • $0Net charge-offs
  • $1,509Cash dividends
  • $95Sale, conversion, retirement of capital stock, net
  • $545Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.24%Yield on earning assets
  • 0.86%Cost of funding earning assets
  • 4.38%Net interest margin
  • 0.49%Noninterest income to earning assets
  • 2.70%Noninterest expense to earning assets
  • 1.27%Net operating income to assets
  • 1.28%Return on assets (ROA)
  • 1.95%Pretax return on assets
  • 9.93%Return on equity (ROE)
  • 6.34%Retained earnings to average equity (YTD only)
  • 0.11%Net charge-offs to loans
  • 168.42%Credit loss provision to net charge-offs
  • 25.63%Efficiency ratio
  • 55,509Assets per employee
  • 5.42%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 36.12%Loss allowance to loans
  • 1.29%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
  • 90.16%Net loans and leases to core deposits
  • 100.84%Equity capital to assets
  • 12.73%Core capital (leverage) ratio
  • 12.39%Tier 1 risk-based capital ratio
  • 15.60%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $117,724Average earning assets
  • $15,204Average equity
  • $112,334Average 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
  • $6,941Managed Assets
  • 1Number of Accounts
  • $4,017Personal trust and agency accounts
  • $4,017Employee 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
  • 29Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $2,924Other retirement accounts
  • $52Corporate trust and agency accounts
  • $2,872Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 2 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07461Warren-Boynton State Bank702 West Illinois Street, New Berlin, IL 62670August 29, 1877Full Service Brick and Mortar
    2433928Springfield Branch3030 Spring Mill Drive, Springfield, IL 62704January 06, 2005Full Service Brick and Mortar

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