FDIC Certificate #: 35187 Status: Active Federal Reserve ID: 2843706 Bank Holding Company (Regulatory Top Holder): Wcb Holding Company Of Illinois, Inc. (RSSDID: 2843685, Location: Winfield, IL) Date Established: August 21, 2000 WWW:http://www.winfieldcommunitybank.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 #: 75660 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: Commercial Lending Specialization Date of Deposit Insurance: August 21, 2000 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: 27 West 111 Geneva Road, Winfield, IL 60190 County: Dupage Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Chicago FDIC Field Office: Chicago Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: Central Metropolitan Statistical Area (MSA): Chicago, IL (#1600) Consolidated Metropolitan Statistical Area (CMSA): Chicago-Gary-Kenosha, IL-IN-WI (#14) Combined Statistical Area (CSA): Chicago-Naperville-Michigan City, IL-IN-WI (#176) Core Based Statistical Area (CBSA): Chicago-Joliet-Naperville, IL-IN-WI (#16980) CBSA Metro Statistical Area: Chicago-Joliet-Naperville, IL-IN-WI (#16980) Core Based Statistical Division: Chicago-Joliet-Naperville, IL (#16974)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $67.3 mil Equity capital: $2.8 mil Deposits held in domestic offices: $64.4 mil Return on assets (ROA): -1.43% (-$1.0 mil) Quarterly return on assets: -0.47% (-$0.3 mil) Return on Equity (ROE): -31.39% (-$0.9 mil) Quarterly return on equity: -11.31% (-$0.3 mil) Net income: -$1.0 mil Quarterly Net income: -$0.1 mil Pretax return on assets: -1.43% (-$962.6 mil) Quarterly Pretax return on assets: -0.47% (-$316.4 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ 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
12Total employees (full-time equivalent)
$67,315Total assets
$5,395Cash and due from depository institutions
$5,039Interest-bearing balances
$4,858Securities
$16,117Federal funds sold & reverse repurchase agreements
$38,202Net loans & leases
$587Loan loss allowance
$0Trading account assets
$410Bank premises and fixed assets
$1,927Other real estate owned
$0Goodwill and other intangibles
$67,315Life insurance assets
$406All other assets
$64,552Total liabilities and capital
$64,443Total liabilities
$57,011Total deposits
$64,443Interest-bearing deposits
$89Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$109Subordinated debt
$2,763All other liabilities
$2,763Total equity capital
$2,763Total bank equity capital
$0Perpetual preferred stock
$2,500Common stock
$6,968Surplus
$-6,705Undivided 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
$202Long-term assets (5+ years)
$64,216Average Assets, year-to-date
$3,835Average Assets, quarterly
$68,076Volatile liabilities
$67,314Insider loans
$43,076FHLB advances
$67,455Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$2,707Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$3,159Restructured Loans and leases
$509Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,698Total interest income
$810Total interest expense
$1,888Net interest income
$155Provision for loan and lease losses
-$222Total noninterest income
$0Fiduciary activities
$68Service charges on deposit accounts
$0Trading account gains & fees
-$290Additional noninterest income
$2,485Total noninterest expense
$988Salaries and employee benefits
$349Premises and equipment expense
$1,148Additional noninterest expense
-$974Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
-$974Income before extraordinary items
$0Extraordinary gains - net
-$974Net income attributable to bank
$0Net charge-offs
-$974Cash dividends
$97Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.18%Yield on earning assets
1.25%Cost of funding earning assets
2.92%Net interest margin
-0.34%Noninterest income to earning assets
3.85%Noninterest expense to earning assets
-1.43%Net operating income to assets
-1.43%Return on assets (ROA)
-1.43%Pretax return on assets
-31.39%Return on equity (ROE)
-31.39%Retained earnings to average equity (YTD only)
0.25%Net charge-offs to loans
159.79%Credit loss provision to net charge-offs
-8.44%Efficiency ratio
149,160Assets per employee
5.61%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.51%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
2.86%Noncurrent loans to loans
0.00%Net loans and leases to deposits
59.28%Net loans and leases to core deposits
61.71%Equity capital to assets
4.10%Core capital (leverage) ratio
4.01%Tier 1 risk-based capital ratio
6.28%Total risk-based capital ratio
Memoranda
$8Average assets
$68,076Average earning assets
$3,103Average equity
$64,584Average loans
List of branches
1 Illinois Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
75660
Winfield Community Bank
27 West 111 Geneva Road, Winfield, IL 60190
August 21, 2000
Full Service Brick and Mortar
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