Vitals
  • Total Assets
    194.6M -4.3 %
  • Total Deposits
    175.6M -3.0 %
  • Total Net Loans
    153.9M 0.9 %
  • Net Income
    1.1M -1.6 %
  • Book Value
    17.5M 2.0 %
  • Book Value x2
    35.1M 2.0 %
  • Book Value x3
    52.6M 2.0 %
ROAA

.554

ROAE

6.132

Efficiency Ratio

85.251

Net Interest Margin

3.727

Balance Sheet Highlights
Financial Highlights West Central Bank All Insured Commercial Banks in Illinois
Balance Sheet $(000)
Total Assets 194,642 290,894
Total Net Loans 153,864 191,278
Total Deposits 175,571 246,407
Total Equity 17,531 31,125
Profitability
Net Income 1,080 2,670
Return on Average Assets .554 .919
Return on Average Equity 6.132 8.247
Net Interest Margin 3.727 3.499
Efficiency Ratio 85.251 67.9
Noninterest Income/Revenue 25.12 16.598
Balance Sheet Ratios
Loan-to-Deposit 87.636 72.669
Securities/Assets .085 .191
Total Equity/Total Assets .09 .107
Tangible Equity/Tangible Assets .079 .103
Capital Adequacy
Tier 1 Common Capital 15,606 29,670
Tier 1 Capital 15,606 29,720
Tier 2 Capital 1,160 2,112
Total Capital 16,766 31,905
Total Risk Weighted Assets 149,267 212,461
Leverage Ratio 8.06 10.62
Common Equity Tier 1 Capital Ratio 10.46 16.313
Tier 1 Capital Ratio 10.46 16.329
Total Capital Ratio 11.23 17.341

Timeline for West Central Bank

West Central Financial Services, Inc.

West Central Financial Services, Inc. became a new subsidiary organization for West Central Bank.

View Profile Jul 02 2012

First State Bank Of Beardstown, Illinois

Acquisition: West Central Bank acquired a new subsidiary, First State Bank Of Beardstown, Illinois, 15 years

View Profile Oct 03 2009

West Central Insurance Agency, Inc.

West Central Insurance Agency, Inc. became a new subsidiary organization for West Central Bank.

View Profile Jan 01 1998

West Central Bancshares, Inc.

West Central Bancshares, Inc. became a new parent organization for West Central Bank.

View Profile Dec 31 1984

West Central Bank

West Central Bank was established 91 years ago and is currently headquartered in Ashland, IL.

Jun 12 1933
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
First State Bank Of Beardstown, Illinois Seller 57,183 Pooling of Interests Discontinued 10/3/2009
Relationships Role Relationship Start Relationship End
West Central Bancshares, Inc. Parent 12/31/1984
West Central Insurance Agency, Inc. Subsidary 6/30/2007
West Central Financial Services, Inc. Subsidary 7/2/2012
West Central Insurance Agency, Inc. Subsidary 1/1/1998 6/29/2007
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