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

Bank of Pontiac - Overview

  • General
  • FDIC Certificate #: 16982
    Status: Active
    Federal Reserve ID: 930442
    Bank Holding Company (Regulatory Top Holder): Pontiac Bancorp, Inc. (RSSDID: 1207712, Location: Pontiac, IL)
    Date Established: September 06, 1947
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 5 (Domestic: 5, Interstate: No)
    OTS Docket #: 12730
    FDIC's unique #: 11056
    Numeric code: 13
    Regulator: FED
    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: All Other Specialization < 1 Billion
    Date of Deposit Insurance: January 29, 1951
    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: 300 West Washington Street, Pontiac, IL 61764
    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
  • History of Changes
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $390.3 mil
    Equity capital: $48.3 mil
    Deposits held in domestic offices: $329.4 mil
    Return on assets (ROA): 0.98% ($3.8 mil)
    Quarterly return on assets: 1.05% ($4.1 mil)
    Return on Equity (ROE): 8.07% ($3.9 mil)
    Quarterly return on equity: 8.59% ($4.1 mil)
    Net income: $3.7 mil
    Quarterly Net income: $1.0 mil
    Pretax return on assets: 1.38% ($5,385.6 mil)
    Quarterly Pretax return on assets: 1.34% ($5,229.5 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, 2011)

  • Dollar figures in thousands
  • 71Total employees (full-time equivalent)
  • $390,261Total assets
  • $32,034Cash and due from depository institutions
  • $21,940Interest-bearing balances
  • $107,129Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $230,825Net loans & leases
  • $5,725Loan loss allowance
  • $0Trading account assets
  • $2,671Bank premises and fixed assets
  • $4,333Other real estate owned
  • $539Goodwill and other intangibles
  • $390,260Life insurance assets
  • $12,730All other assets
  • $341,927Total liabilities and capital
  • $329,377Total liabilities
  • $287,663Total deposits
  • $329,377Interest-bearing deposits
  • $80Deposits held in domestic offices
  • 6914.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $5,636Subordinated debt
  • $48,333All other liabilities
  • $48,333Total equity capital
  • $48,333Total bank equity capital
  • $0Perpetual preferred stock
  • $1,250Common stock
  • $8,323Surplus
  • $38,760Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,553Income earned, not collected on loans
  • $32Earning assets
  • $2,302Long-term assets (5+ years)
  • $359,894Average Assets, year-to-date
  • $117,868Average Assets, quarterly
  • $376,158Volatile liabilities
  • $390,925Insider loans
  • $225,084FHLB advances
  • $386,722Loans and leases held for sale
  • $3,157Unused loan commitments
  • $3,157Tier 1 (core) risk-based capital
  • $46,848Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $22,387Restructured Loans and leases
  • $1,758Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $17,182Total interest income
  • $3,353Total interest expense
  • $13,829Net interest income
  • $2,850Provision for loan and lease losses
  • $1,753Total noninterest income
  • $441Fiduciary activities
  • $693Service charges on deposit accounts
  • $0Trading account gains & fees
  • $619Additional noninterest income
  • $7,774Total noninterest expense
  • $3,658Salaries and employee benefits
  • $839Premises and equipment expense
  • $3,277Additional noninterest expense
  • $4,958Pre-tax net operating income
  • $247Securities gains (losses)
  • $1,500Applicable income taxes
  • $3,705Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,705Net income attributable to bank
  • $0Net charge-offs
  • $3,705Cash dividends
  • $2,331Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.98%Yield on earning assets
  • 0.97%Cost of funding earning assets
  • 4.01%Net interest margin
  • 0.51%Noninterest income to earning assets
  • 2.26%Noninterest expense to earning assets
  • 0.94%Net operating income to assets
  • 0.98%Return on assets (ROA)
  • 1.38%Pretax return on assets
  • 8.07%Return on equity (ROE)
  • 8.07%Retained earnings to average equity (YTD only)
  • 1.00%Net charge-offs to loans
  • 122.27%Credit loss provision to net charge-offs
  • 3.35%Efficiency ratio
  • 49,146Assets per employee
  • 5.50%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.42%Loss allowance to noncurrent loans
  • 161.13%Noncurrent assets plus other real estate owned to assets
  • 2.02%Noncurrent loans to loans
  • 1.50%Net loans and leases to deposits
  • 70.08%Net loans and leases to core deposits
  • 75.05%Equity capital to assets
  • 12.38%Core capital (leverage) ratio
  • 12.11%Tier 1 risk-based capital ratio
  • 20.81%Total risk-based capital ratio
  • Memoranda
  • $22Average assets
  • $376,158Average earning assets
  • $45,889Average equity
  • $344,688Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $139,106Managed Assets
  • 1Number of Accounts
  • $120,664Personal trust and agency accounts
  • $42,683Employee benefit-defined contribution accounts
  • $1,692Employee benefit-defined benefit accounts
  • $3,852Other retirement accounts
  • $335Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $72,102Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 205Number of Accounts
  • $0Personal trust and agency accounts
  • $335Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $18,442Other retirement accounts
  • $0Corporate trust and agency accounts
  • $10,886Other fiduciary accounts
  • $4,582Fiduciary accounts held in foreign offices

List of branches

  • 5 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    011056Bank Of Pontiac300 West Washington Street, Pontiac, IL 61764September 06, 1947Full Service Brick and Mortar
    2239876Bank Of Pontiac West1703 West Reynolds Street, Pontiac, IL 61764April 08, 1996Full Service Brick and Mortar
    310913Odell State Bank Branch200 South Waupansie, Odell, IL 60460May 21, 1949Full Service Brick and Mortar
    46911Dwight Branch132 East Main, Dwight, IL 60420April 14, 1855Full Service Brick and Mortar
    5223017Motor FacilityEast Chippewa And Franklin, Dwight, IL 60420December 01, 1975Limited Service Facility

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