Williamsville State Bank & Trust in Williamsville, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Williamsville State Bank & Trust in Williamsville, Illinois (IL)
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Williamsville State Bank & Trust - Overview

  • General
  • FDIC Certificate #: 12388
    Status: Active
    Federal Reserve ID: 365848
    Bank Holding Company (Regulatory Top Holder): Wsb Financial, Ltd (RSSDID: 1248872, Location: Williamsville, IL)
    Date Established: January 01, 1890
    WWW: http://www.wsbt.net
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 12312
    FDIC's unique #: 7878
    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: No
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    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: 512 West Main Street, Williamsville, IL 62693
    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: $112.1 mil
    Equity capital: $12.9 mil
    Deposits held in domestic offices: $97.6 mil
    Return on assets (ROA): 0.36% ($0.4 mil)
    Quarterly return on assets: 0.35% ($0.4 mil)
    Return on Equity (ROE): 3.23% ($0.4 mil)
    Quarterly return on equity: 3.09% ($0.4 mil)
    Net income: $0.4 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.43% ($481.9 mil)
    Quarterly Pretax return on assets: 0.19% ($212.9 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
  • 44Total employees (full-time equivalent)
  • $112,066Total assets
  • $4,489Cash and due from depository institutions
  • $141Interest-bearing balances
  • $52,238Securities
  • $1,284Federal funds sold & reverse repurchase agreements
  • $48,929Net loans & leases
  • $395Loan loss allowance
  • $0Trading account assets
  • $2,200Bank premises and fixed assets
  • $679Other real estate owned
  • $0Goodwill and other intangibles
  • $112,066Life insurance assets
  • $2,247All other assets
  • $99,170Total liabilities and capital
  • $97,597Total liabilities
  • $82,140Total deposits
  • $97,597Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,000Trading liabilities
  • $0Other borrowed funds
  • $573Subordinated debt
  • $12,896All other liabilities
  • $12,896Total equity capital
  • $12,896Total bank equity capital
  • $0Perpetual preferred stock
  • $400Common stock
  • $5,423Surplus
  • $7,073Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,021Income earned, not collected on loans
  • $0Earning assets
  • $493Long-term assets (5+ years)
  • $102,592Average Assets, year-to-date
  • $59,112Average Assets, quarterly
  • $111,772Volatile liabilities
  • $113,563Insider loans
  • $52,003FHLB advances
  • $113,446Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $12,381Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $7,358Restructured Loans and leases
  • $1,068Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,314Total interest income
  • $1,131Total interest expense
  • $3,183Net interest income
  • $274Provision for loan and lease losses
  • $730Total noninterest income
  • $37Fiduciary activities
  • $156Service charges on deposit accounts
  • $0Trading account gains & fees
  • $537Additional noninterest income
  • $3,377Total noninterest expense
  • $1,905Salaries and employee benefits
  • $512Premises and equipment expense
  • $960Additional noninterest expense
  • $262Pre-tax net operating income
  • $219Securities gains (losses)
  • $83Applicable income taxes
  • $398Income before extraordinary items
  • $0Extraordinary gains - net
  • $398Net income attributable to bank
  • $0Net charge-offs
  • $398Cash dividends
  • $452Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.16%Yield on earning assets
  • 1.09%Cost of funding earning assets
  • 3.07%Net interest margin
  • 0.70%Noninterest income to earning assets
  • 3.25%Noninterest expense to earning assets
  • 0.19%Net operating income to assets
  • 0.36%Return on assets (ROA)
  • 0.43%Pretax return on assets
  • 3.23%Return on equity (ROE)
  • 3.23%Retained earnings to average equity (YTD only)
  • 0.94%Net charge-offs to loans
  • 60.62%Credit loss provision to net charge-offs
  • 1.19%Efficiency ratio
  • 86,302Assets per employee
  • 2.55%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.80%Loss allowance to noncurrent loans
  • 38.69%Noncurrent assets plus other real estate owned to assets
  • 1.52%Noncurrent loans to loans
  • 2.07%Net loans and leases to deposits
  • 50.13%Net loans and leases to core deposits
  • 51.37%Equity capital to assets
  • 11.51%Core capital (leverage) ratio
  • 10.91%Tier 1 risk-based capital ratio
  • 23.81%Total risk-based capital ratio
  • Memoranda
  • $25Average assets
  • $111,772Average earning assets
  • $12,312Average equity
  • $103,817Average 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
  • $12,863Managed Assets
  • 1Number of Accounts
  • $11,097Personal trust and agency accounts
  • $11,083Employee benefit-defined contribution accounts
  • $14Employee 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
  • 47Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $1,766Other retirement accounts
  • $0Corporate trust and agency accounts
  • $656Other fiduciary accounts
  • $1,110Fiduciary accounts held in foreign offices

List of branches

  • 4 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07878Williamsville State Bank & Trust512 West Main Street, Williamsville, IL 62693January 01, 1890Full Service Brick and Mortar
    1227037Sherman Branch6092 Business I-55, Sherman, IL 62684Febuary 01, 1990Full Service Brick and Mortar
    2227038Springfield Branch1748 West Wabash Avenue, Springfield, IL 62704March 01, 1997Full Service Brick and Mortar
    3457839Old Jacksonville Road Branch3341 Old Jacksonville Road, Springfield, IL 62791January 11, 2007Full Service Brick and Mortar

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