Winchester National Bank in Winchester, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of August 27, 1993

  • Winchester National Bank in Winchester, Illinois (IL)
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Winchester National Bank - Overview

  • General
  • FDIC Certificate #: 1050
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: First Bank (#3825)
    Federal Reserve ID: 274342
    Date Established: January 06, 1886
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 1 (Interstate: No)
    FDIC's unique #: 702
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: August 27, 1993
    Last Structure Change Process Date: September 02, 1993
    Last Data Update: September 02, 1993
    Data Source Date: April 05, 2012
  • Location
  • Address: 21 East Market, Winchester, IL 62694
    County: Scott
    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
    Core Based Statistical Area (CBSA): Jacksonville, IL (#27300)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $27.5 mil

Assets and Liabilities (December 31, 1992)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $12Total assets
  • $28,214Cash and due from depository institutions
  • $1,433Interest-bearing balances
  • $100Securities
  • $9,727Federal funds sold & reverse repurchase agreements
  • $4,900Net loans & leases
  • $11,662Loan loss allowance
  • $384Trading account assets
  • $0Bank premises and fixed assets
  • $144Other real estate owned
  • $5Goodwill and other intangibles
  • $343Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $28,214Total liabilities
  • $25,199Total deposits
  • $25,066Interest-bearing deposits
  • $22,730Deposits held in domestic offices
  • 25066.00%% insured (estimated)
  • $97Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $133Total equity capital
  • $133Total bank equity capital
  • $3,015Perpetual preferred stock
  • $0Common stock
  • $110Surplus
  • $110Undivided profits
  • Memoranda
  • $2,795Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $9Income earned, not collected on loans
  • $170Earning assets
  • $26,389Long-term assets (5+ years)
  • $1,920Average Assets, year-to-date
  • $27,708Average Assets, quarterly
  • $28,042Volatile liabilities
  • $1,640Insider loans
  • $85FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $496Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $3,015Total risk weighted assets
  • $13,130Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1992)

  • Dollar figures in thousands
  • $0Total interest income
  • $2,118Total interest expense
  • $1,049Net interest income
  • $1,069Provision for loan and lease losses
  • $120Total noninterest income
  • $89Fiduciary activities
  • $0Service charges on deposit accounts
  • $71Trading account gains & fees
  • $0Additional noninterest income
  • $18Total noninterest expense
  • $648Salaries and employee benefits
  • $292Premises and equipment expense
  • $107Additional noninterest expense
  • $249Pre-tax net operating income
  • $390Securities gains (losses)
  • $0Applicable income taxes
  • $83Income before extraordinary items
  • $307Extraordinary gains - net
  • $0Net income attributable to bank
  • $307Net charge-offs
  • $57Cash dividends
  • $110Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1992)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.07%Cost of funding earning assets
  • 4.00%Net interest margin
  • 4.08%Noninterest income to earning assets
  • 0.34%Noninterest expense to earning assets
  • 2.47%Net operating income to assets
  • 1.11%Return on assets (ROA)
  • 1.11%Pretax return on assets
  • 1.41%Return on equity (ROE)
  • 10.56%Retained earnings to average equity (YTD only)
  • 6.78%Net charge-offs to loans
  • 0.48%Credit loss provision to net charge-offs
  • 210.53%Efficiency ratio
  • 55,959Assets per employee
  • 2.35%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 35.83%Loss allowance to loans
  • 3.19%Loss allowance to noncurrent loans
  • 4266.67%Noncurrent assets plus other real estate owned to assets
  • 0.05%Noncurrent loans to loans
  • 0.07%Net loans and leases to deposits
  • 46.53%Net loans and leases to core deposits
  • 49.78%Equity capital to assets
  • 10.69%Core capital (leverage) ratio
  • 10.43%Tier 1 risk-based capital ratio
  • 22.96%Total risk-based capital ratio
  • Memoranda
  • $24Average assets
  • $27,708Average earning assets
  • $2,907Average equity
  • $26,233Average loans

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