White Hall Bank in White Hall, Illinois (IL)



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White Hall Bank
GeneralFDIC Certificate #: 3844
Status: Active
Federal Reserve ID: 271743
Bank Holding Company (Regulatory Top Holder): Lima Bancshares, Inc. (RSSDID: 1095928, Location: Lima, IL)
Date Established: January 02, 1904
WWW: http://www.whitehallbank.net
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 #: 2501
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: Yes
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
LocationAddress: 102 South Main Street, White Hall, IL 62092
County: Greene
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
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $52.2 mil
Equity capital: $4.5 mil
Deposits held in domestic offices: $44.0 mil
Return on assets (ROA): 0.52% ($0.3 mil)
Quarterly return on assets: 0.44% ($0.2 mil)
Return on Equity (ROE): 6.52% ($0.3 mil)
Quarterly return on equity: 5.19% ($0.3 mil)
Net income: $0.3 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: 0.53% ($276.5 mil)
Quarterly Pretax return on assets: 0.44% ($229.5 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)
Total employees (full-time equivalent)13
Total assets$52,167
Cash and due from depository institutions$3,028
Interest-bearing balances$255
Securities$17,640
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$29,744
Loan loss allowance $576
Trading account assets$0
Bank premises and fixed assets$571
Other real estate owned$325
Goodwill and other intangibles$0
All other assets$859
Life insurance assets$52,167
Total liabilities and capital$47,661
Total liabilities$44,023
Total deposits$38,335
Interest-bearing deposits$44,023
Deposits held in domestic offices$94
% insured (estimated)54.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$3,500
Other borrowed funds $0
Subordinated debt $84
All other liabilities $4,506
Total equity capital$4,506
Total bank equity capital$4,506
Perpetual preferred stock$0
Common stock$400
Surplus$2,561
Undivided profits $1,545
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $790
Earning assets $0
Long-term assets (5+ years) $463
Average Assets, year-to-date $47,639
Average Assets, quarterly $26,086
Volatile liabilities $51,279
Insider loans $52,392
FHLB advances $33,365
Loans and leases held for sale $52,445
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $4,034
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $3,234
Derivatives$125
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $2,382
Total interest expense $616
Net interest income $1,766
Provision for loan and lease losses $300
Total noninterest income $105
Fiduciary activities $0
Service charges on deposit accounts $4
Trading account gains & fees $0
Additional noninterest income $101
Total noninterest expense $1,393
Salaries and employee benefits $729
Premises and equipment expense $168
Additional noninterest expense $496
Pre-tax net operating income $178
Securities gains (losses) $92
Applicable income taxes $1
Income before extraordinary items $269
Extraordinary gains - net $0
Net income attributable to bank $269
Net charge-offs $0
Cash dividends $269
Sale, conversion, retirement of capital stock, net $270
Net operating income $90
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.97%
Cost of funding earning assets 1.29%
Net interest margin 3.69%
Noninterest income to earning assets 0.22%
Noninterest expense to earning assets 2.91%
Net operating income to assets 0.35%
Return on assets (ROA) 0.52%
Pretax return on assets 0.53%
Return on equity (ROE) 6.52%
Retained earnings to average equity (YTD only) 4.34%
Net charge-offs to loans 0.87%
Credit loss provision to net charge-offs 111.11%
Efficiency ratio1.77%
Assets per employee$74,452
Cash dividends to net income (YTD only)4.01%
Condition Ratios (%)
Loss allowance to loans 33.46%
Loss allowance to noncurrent loans 1.90%
Noncurrent assets plus other real estate owned to assets 72.91%
Noncurrent loans to loans 2.14%
Net loans and leases to deposits2.61%
Net loans and leases to core deposits 67.56%
Equity capital to assets 71.38%
Core capital (leverage) ratio 8.64%
Tier 1 risk-based capital ratio 7.69%
Total risk-based capital ratio 12.09%
Memoranda
Average assets$13
Average earning assets$51,279
Average equity $4,127
Average loans $47,911
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1 Illinois Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
02501White Hall Bank102 South Main Street, White Hall, IL 62092January 02, 1904Full Service Brick and Mortar
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