FDIC Certificate #: 13908 Status: Inactive Closing history: Corrections Acquiring institution:First National Bank of Omaha (#5452) Federal Reserve ID: 779539 Date Established: June 15, 1859 Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 20 (Interstate: No) OTS Docket #: 13482 FDIC's unique #: 8698 Numeric code: 3 Regulator: OCC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes State Chartered: No Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: September 29, 2010 Last Structure Change Process Date: October 13, 2010 Last Data Update: October 13, 2010 Data Source Date: April 05, 2012
Location
Address: 141 West Lincoln Highway, Dekalb, IL 60115 County: Dekalb Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Chicago FDIC Field Office: Princeton 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
Merger - Without Assistance
Corrections
Office Sold
Financial Summary
Total assets: $1,058.8 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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
290Total employees (full-time equivalent)
$1,058,880Total assets
$25,684Cash and due from depository institutions
$5,931Interest-bearing balances
$203,182Securities
$0Federal funds sold & reverse repurchase agreements
$669,197Net loans & leases
$21,496Loan loss allowance
$0Trading account assets
$46,425Bank premises and fixed assets
$4,614Other real estate owned
$79,294Goodwill and other intangibles
$5,719Life insurance assets
$30,484All other assets
$1,058,880Total liabilities and capital
$880,320Total liabilities
$875,507Total deposits
$748,222Interest-bearing deposits
$875,507Deposits held in domestic offices
67.63%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$4,813All other liabilities
$178,560Total equity capital
$178,560Total bank equity capital
$178,560Perpetual preferred stock
$0Common stock
$1,400Surplus
$172,484Undivided profits
Memoranda
$4,676Noncurrent loans and leases
$118,681Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$42,934Earning assets
$0Long-term assets (5+ years)
$5,355Average Assets, year-to-date
$878,310Average Assets, quarterly
$89,925Volatile liabilities
$1,154,810Insider loans
$1,071,986FHLB advances
$112,919Loans and leases held for sale
$4,136Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$6,467Total risk weighted assets
$118,681Total unused commitments
$2,174Restructured Loans and leases
$9,171Derivatives
Income and Expense (December 31, 2009)
Dollar figures in thousands
$49,642Total interest income
$13,404Total interest expense
$36,238Net interest income
$22,206Provision for loan and lease losses
$13,706Total noninterest income
$1,238Fiduciary activities
$7,075Service charges on deposit accounts
$0Trading account gains & fees
$5,393Additional noninterest income
$39,072Total noninterest expense
$17,712Salaries and employee benefits
$6,305Premises and equipment expense
$15,055Additional noninterest expense
-$11,334Pre-tax net operating income
$1,892Securities gains (losses)
-$4,454Applicable income taxes
-$4,988Income before extraordinary items
$0Extraordinary gains - net
-$4,988Net income attributable to bank
$0Net charge-offs
-$4,988Cash dividends
$17,443Sale, conversion, retirement of capital stock, net
$10,000Net operating income
Performance and Condition Ratios (December 31, 2009)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.12%Yield on earning assets
1.38%Cost of funding earning assets
3.74%Net interest margin
1.41%Noninterest income to earning assets
4.03%Noninterest expense to earning assets
-0.54%Net operating income to assets
-0.43%Return on assets (ROA)
-0.82%Pretax return on assets
-2.67%Return on equity (ROE)
-8.02%Retained earnings to average equity (YTD only)
2.21%Net charge-offs to loans
127.31%Credit loss provision to net charge-offs
0.62%Efficiency ratio
74,389Assets per employee
3.65%Cash dividends to net income (YTD only)
Condition Ratios (%)
-200.48%Loss allowance to loans
3.11%Loss allowance to noncurrent loans
50.07%Noncurrent assets plus other real estate owned to assets
4.49%Noncurrent loans to loans
6.22%Net loans and leases to deposits
76.44%Net loans and leases to core deposits
87.75%Equity capital to assets
16.86%Core capital (leverage) ratio
9.72%Tier 1 risk-based capital ratio
13.47%Total risk-based capital ratio
Memoranda
$15Average assets
$1,154,810Average earning assets
$186,892Average equity
$969,205Average loans
Total Fiduciary and Related Assets (December 31, 2009)
Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
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