Bank of Dwight in Dwight, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of July 23, 2010

  • Bank of Dwight in Dwight, Illinois (IL)
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Bank of Dwight - Overview

  • General
  • FDIC Certificate #: 10805
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Bank of Pontiac (#16982)
    Federal Reserve ID: 727530
    Date Established: April 14, 1855
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Interstate: No)
    FDIC's unique #: 6911
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: July 23, 2010
    Last Structure Change Process Date: August 04, 2010
    Last Data Update: August 04, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 132 East Main, Dwight, IL 60420
    County: Livingston
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Champaign
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Core Based Statistical Area (CBSA): Pontiac, IL (#38700)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $57.6 mil

1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2009)

  • Dollar figures in thousands
  • 11Total employees (full-time equivalent)
  • $58,429Total assets
  • $2,263Cash and due from depository institutions
  • $0Interest-bearing balances
  • $22,606Securities
  • $4,957Federal funds sold & reverse repurchase agreements
  • $26,918Net loans & leases
  • $501Loan loss allowance
  • $0Trading account assets
  • $169Bank premises and fixed assets
  • $85Other real estate owned
  • $160Goodwill and other intangibles
  • $0Life insurance assets
  • $1,271All other assets
  • $58,429Total liabilities and capital
  • $52,921Total liabilities
  • $52,515Total deposits
  • $48,882Interest-bearing deposits
  • $52,515Deposits held in domestic offices
  • 80.18%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $406All other liabilities
  • $5,508Total equity capital
  • $5,508Total bank equity capital
  • $5,508Perpetual preferred stock
  • $0Common stock
  • $240Surplus
  • $3,573Undivided profits
  • Memoranda
  • $1,695Noncurrent loans and leases
  • $982Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $1,262Earning assets
  • $0Long-term assets (5+ years)
  • $379Average Assets, year-to-date
  • $54,481Average Assets, quarterly
  • $19,520Volatile liabilities
  • $52,926Insider loans
  • $56,948FHLB advances
  • $17,847Loans and leases held for sale
  • $616Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $982Total unused commitments
  • $0Restructured Loans and leases
  • $371Derivatives

Income and Expense (December 31, 2009)

  • Dollar figures in thousands
  • $2,565Total interest income
  • $1,037Total interest expense
  • $1,528Net interest income
  • $364Provision for loan and lease losses
  • $128Total noninterest income
  • $0Fiduciary activities
  • $83Service charges on deposit accounts
  • $0Trading account gains & fees
  • $45Additional noninterest income
  • $941Total noninterest expense
  • $504Salaries and employee benefits
  • $76Premises and equipment expense
  • $361Additional noninterest expense
  • $351Pre-tax net operating income
  • -$68Securities gains (losses)
  • $39Applicable income taxes
  • $244Income before extraordinary items
  • $0Extraordinary gains - net
  • $244Net income attributable to bank
  • $0Net charge-offs
  • $244Cash dividends
  • $335Sale, conversion, retirement of capital stock, net
  • $75Net operating income

Performance and Condition Ratios (December 31, 2009)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.24%Yield on earning assets
  • 2.12%Cost of funding earning assets
  • 3.12%Net interest margin
  • 0.26%Noninterest income to earning assets
  • 1.92%Noninterest expense to earning assets
  • 0.57%Net operating income to assets
  • 0.46%Return on assets (ROA)
  • 0.53%Pretax return on assets
  • 4.56%Return on equity (ROE)
  • 3.16%Retained earnings to average equity (YTD only)
  • 1.22%Net charge-offs to loans
  • 108.66%Credit loss provision to net charge-offs
  • 2.13%Efficiency ratio
  • 56,824Assets per employee
  • 5.31%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 30.74%Loss allowance to loans
  • 1.83%Loss allowance to noncurrent loans
  • 39.70%Noncurrent assets plus other real estate owned to assets
  • 2.31%Noncurrent loans to loans
  • 4.60%Net loans and leases to deposits
  • 51.26%Net loans and leases to core deposits
  • 77.65%Equity capital to assets
  • 9.43%Core capital (leverage) ratio
  • 9.14%Tier 1 risk-based capital ratio
  • 17.31%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $52,926Average earning assets
  • $5,348Average equity
  • $48,988Average loans

Total Fiduciary and Related Assets (December 31, 2001)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $71Managed Assets
  • 1Number of Accounts
  • $71Personal trust and agency accounts
  • $71Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 8Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

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