Winfield Community Bank in Winfield, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches


Winfield Community Bank - Overview

  • General
  • 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
  • NoIDNameAddressEstablishedService TypeMap
    075660Winfield Community Bank27 West 111 Geneva Road, Winfield, IL 60190August 21, 2000Full Service Brick and Mortar

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