De Witt Savings Bank in Clinton, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches


De Witt Savings Bank - Overview

  • General
  • FDIC Certificate #: 29535
    Status: Active
    Federal Reserve ID: 324975
    Date Established: January 01, 1887
    WWW: http://www.dewittsb.com
    Trust Powers Granted: No
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 3613
    FDIC's unique #: 42369
    Numeric code: 42
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: 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: Mortgage Lending Specialization
    Date of Deposit Insurance: August 01, 1936
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 302 West Main Street, Clinton, IL 61727
    County: De Witt
    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
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $95.5 mil
    Equity capital: $11.5 mil
    Deposits held in domestic offices: $79.9 mil
    Return on assets (ROA): 0.68% ($0.7 mil)
    Quarterly return on assets: 0.77% ($0.7 mil)
    Return on Equity (ROE): 5.93% ($0.7 mil)
    Quarterly return on equity: 6.49% ($0.7 mil)
    Net income: $0.7 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.98% ($936.0 mil)
    Quarterly Pretax return on assets: 1.00% ($955.1 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
  • 24Total employees (full-time equivalent)
  • $95,514Total assets
  • $7,823Cash and due from depository institutions
  • $7,002Interest-bearing balances
  • $40,768Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $40,605Net loans & leases
  • $449Loan loss allowance
  • $0Trading account assets
  • $1,369Bank premises and fixed assets
  • $0Other real estate owned
  • $108Goodwill and other intangibles
  • $95,514Life insurance assets
  • $4,841All other assets
  • $84,043Total liabilities and capital
  • $79,897Total liabilities
  • $75,098Total deposits
  • $79,897Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $3,000Trading liabilities
  • $0Other borrowed funds
  • $1,146Subordinated debt
  • $11,471All other liabilities
  • $11,471Total equity capital
  • $11,471Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $10,130Surplus
  • $1,341Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,109Income earned, not collected on loans
  • $0Earning assets
  • $490Long-term assets (5+ years)
  • $88,375Average Assets, year-to-date
  • $28,605Average Assets, quarterly
  • $96,229Volatile liabilities
  • $96,159Insider loans
  • $42,727FHLB advances
  • $96,279Loans and leases held for sale
  • $1,139Unused loan commitments
  • $668Tier 1 (core) risk-based capital
  • $10,770Tier 2 risk-based capital
  • $471Total risk weighted assets
  • $0Total unused commitments
  • $2,492Restructured Loans and leases
  • $918Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,935Total interest income
  • $798Total interest expense
  • $3,137Net interest income
  • $165Provision for loan and lease losses
  • $594Total noninterest income
  • $0Fiduciary activities
  • $174Service charges on deposit accounts
  • $0Trading account gains & fees
  • $420Additional noninterest income
  • $2,627Total noninterest expense
  • $1,390Salaries and employee benefits
  • $312Premises and equipment expense
  • $925Additional noninterest expense
  • $939Pre-tax net operating income
  • $0Securities gains (losses)
  • $288Applicable income taxes
  • $651Income before extraordinary items
  • $0Extraordinary gains - net
  • $651Net income attributable to bank
  • $0Net charge-offs
  • $651Cash dividends
  • $51Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.42%Yield on earning assets
  • 0.90%Cost of funding earning assets
  • 3.52%Net interest margin
  • 0.67%Noninterest income to earning assets
  • 2.95%Noninterest expense to earning assets
  • 0.68%Net operating income to assets
  • 0.68%Return on assets (ROA)
  • 0.98%Pretax return on assets
  • 5.93%Return on equity (ROE)
  • 5.93%Retained earnings to average equity (YTD only)
  • 0.13%Net charge-offs to loans
  • 323.53%Credit loss provision to net charge-offs
  • 21.65%Efficiency ratio
  • 70,410Assets per employee
  • 3.98%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.09%Loss allowance to noncurrent loans
  • 40.49%Noncurrent assets plus other real estate owned to assets
  • 2.12%Noncurrent loans to loans
  • 2.70%Net loans and leases to deposits
  • 50.82%Net loans and leases to core deposits
  • 57.12%Equity capital to assets
  • 12.01%Core capital (leverage) ratio
  • 11.19%Tier 1 risk-based capital ratio
  • 25.21%Total risk-based capital ratio
  • Memoranda
  • $26Average assets
  • $96,229Average earning assets
  • $10,981Average equity
  • $89,105Average loans

List of branches

  • 2 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    042369De Witt Savings Bank302 West Main Street, Clinton, IL 61727January 01, 1887Full Service Brick and Mortar
    100275388130 North Main Street Branch130 North Main, Moweaqua, IL 62550January 01, 1887Full Service Brick and Mortar

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