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This institution is no longer active

Operations ceased on September 11, 2004. CRA examination history below reflects the period it was active.

THE WHAPLES AND FARMERS STATE BANK

NEPONSET, IL · Supervised by FDIC

Est. 1919FDIC #13,661RSSD: FDIC-13661
Part ofGRANVILLE BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: November 1999

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.06%

Institution Profile

FDIC BankFind

Address

Main Street, NEPONSET, IL

County

Bureau County

Established

December 27, 1919

Total Assets

$10M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

November 1, 1999

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 26 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q2 2004Call Report / FDIC

Total Assets

$10M

Total Deposits

$9M

Net Loans

$5M

Net Income

$-3K

ROA

-0.06%

ROE

-0.56%

Risk-Based Capital

20.70%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

3 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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