Wenona State Bank in Wenona, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Wenona State Bank in Wenona, Illinois (IL)
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Wenona State Bank - Overview

  • General
  • FDIC Certificate #: 17401
    Status: Active
    Federal Reserve ID: 423841
    Bank Holding Company (Regulatory Top Holder): Wenona Bancorp, Inc. (RSSDID: 1132412, Location: Wenona, IL)
    Date Established: January 01, 1934
    WWW: http://www.wenonastatebank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 11399
    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: Febuary 14, 1955
    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: 105 West First South Street, Wenona, IL 61377
    County: Marshall
    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): Peoria-Canton, IL (#426)
    Core Based Statistical Area (CBSA): Peoria, IL (#37900)
    CBSA Metro Statistical Area: Peoria, IL (#37900)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $34.4 mil
    Equity capital: $4.5 mil
    Deposits held in domestic offices: $27.7 mil
    Return on assets (ROA): 0.22% ($0.1 mil)
    Quarterly return on assets: 0.38% ($0.1 mil)
    Return on Equity (ROE): 1.81% ($0.1 mil)
    Quarterly return on equity: 2.94% ($0.1 mil)
    Net income: $0.1 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.22% ($75.6 mil)
    Quarterly Pretax return on assets: 0.38% ($130.6 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
  • 8Total employees (full-time equivalent)
  • $34,356Total assets
  • $1,984Cash and due from depository institutions
  • $1,588Interest-bearing balances
  • $17,534Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $13,204Net loans & leases
  • $254Loan loss allowance
  • $0Trading account assets
  • $262Bank premises and fixed assets
  • $1,050Other real estate owned
  • $0Goodwill and other intangibles
  • $34,356Life insurance assets
  • $322All other assets
  • $29,864Total liabilities and capital
  • $27,657Total liabilities
  • $19,804Total deposits
  • $27,657Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 2036.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $171Subordinated debt
  • $4,492All other liabilities
  • $4,492Total equity capital
  • $4,492Total bank equity capital
  • $0Perpetual preferred stock
  • $150Common stock
  • $1,350Surplus
  • $2,992Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $201Income earned, not collected on loans
  • $0Earning assets
  • $224Long-term assets (5+ years)
  • $32,326Average Assets, year-to-date
  • $11,780Average Assets, quarterly
  • $35,299Volatile liabilities
  • $34,910Insider loans
  • $16,336FHLB advances
  • $33,964Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $4,241Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,853Restructured Loans and leases
  • $208Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,307Total interest income
  • $205Total interest expense
  • $1,102Net interest income
  • $167Provision for loan and lease losses
  • $203Total noninterest income
  • $0Fiduciary activities
  • $35Service charges on deposit accounts
  • $0Trading account gains & fees
  • $168Additional noninterest income
  • $1,123Total noninterest expense
  • $521Salaries and employee benefits
  • $88Premises and equipment expense
  • $514Additional noninterest expense
  • $15Pre-tax net operating income
  • $64Securities gains (losses)
  • $0Applicable income taxes
  • $79Income before extraordinary items
  • $0Extraordinary gains - net
  • $79Net income attributable to bank
  • $0Net charge-offs
  • $79Cash dividends
  • $185Sale, conversion, retirement of capital stock, net
  • $20Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.93%Yield on earning assets
  • 0.62%Cost of funding earning assets
  • 3.32%Net interest margin
  • 0.61%Noninterest income to earning assets
  • 3.38%Noninterest expense to earning assets
  • 0.04%Net operating income to assets
  • 0.22%Return on assets (ROA)
  • 0.22%Pretax return on assets
  • 1.81%Return on equity (ROE)
  • 1.35%Retained earnings to average equity (YTD only)
  • 1.41%Net charge-offs to loans
  • 90.27%Credit loss provision to net charge-offs
  • 0.98%Efficiency ratio
  • 86,054Assets per employee
  • 4.29%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 25.32%Loss allowance to loans
  • 1.89%Loss allowance to noncurrent loans
  • 126.37%Noncurrent assets plus other real estate owned to assets
  • 3.64%Noncurrent loans to loans
  • 1.49%Net loans and leases to deposits
  • 47.74%Net loans and leases to core deposits
  • 48.73%Equity capital to assets
  • 13.07%Core capital (leverage) ratio
  • 12.49%Tier 1 risk-based capital ratio
  • 25.96%Total risk-based capital ratio
  • Memoranda
  • $27Average assets
  • $35,299Average earning assets
  • $4,364Average equity
  • $33,216Average loans

List of branches

  • 1 Illinois Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    011399Wenona State Bank105 West First South Street, Wenona, IL 61377January 01, 1934Full Service Brick and Mortar

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