De Witt Savings Bank in Clinton, Illinois (IL)

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De Witt Savings Bank routing number info

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De Witt Savings Bank
GeneralFDIC Certificate #: 29535
Status: Active
Federal Reserve ID: 324975
Date Established: January 01, 1887
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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)24
Total assets$95,514
Cash and due from depository institutions$7,823
Interest-bearing balances$7,002
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$40,605
Loan loss allowance $449
Trading account assets$0
Bank premises and fixed assets$1,369
Other real estate owned$0
Goodwill and other intangibles$108
All other assets$4,841
Life insurance assets$95,514
Total liabilities and capital$84,043
Total liabilities$79,897
Total deposits$75,098
Interest-bearing deposits$79,897
Deposits held in domestic offices$92
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$3,000
Other borrowed funds $0
Subordinated debt $1,146
All other liabilities $11,471
Total equity capital$11,471
Total bank equity capital$11,471
Perpetual preferred stock$0
Common stock$0
Undivided profits $1,341
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $1,109
Earning assets $0
Long-term assets (5+ years) $490
Average Assets, year-to-date $88,375
Average Assets, quarterly $28,605
Volatile liabilities $96,229
Insider loans $96,159
FHLB advances $42,727
Loans and leases held for sale $96,279
Unused loan commitments $1,139
Tier 1 (core) risk-based capital $668
Tier 2 risk-based capital $10,770
Total risk weighted assets $471
Total unused commitments $0
Restructured Loans and leases $2,492
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $3,935
Total interest expense $798
Net interest income $3,137
Provision for loan and lease losses $165
Total noninterest income $594
Fiduciary activities $0
Service charges on deposit accounts $174
Trading account gains & fees $0
Additional noninterest income $420
Total noninterest expense $2,627
Salaries and employee benefits $1,390
Premises and equipment expense $312
Additional noninterest expense $925
Pre-tax net operating income $939
Securities gains (losses) $0
Applicable income taxes $288
Income before extraordinary items $651
Extraordinary gains - net $0
Net income attributable to bank $651
Net charge-offs $0
Cash dividends $651
Sale, conversion, retirement of capital stock, net $51
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.42%
Cost of funding earning assets 0.90%
Net interest margin 3.52%
Noninterest income to earning assets 0.67%
Noninterest expense to earning assets 2.95%
Net operating income to assets 0.68%
Return on assets (ROA) 0.68%
Pretax return on assets 0.98%
Return on equity (ROE) 5.93%
Retained earnings to average equity (YTD only) 5.93%
Net charge-offs to loans 0.13%
Credit loss provision to net charge-offs 323.53%
Efficiency ratio21.65%
Assets per employee$70,410
Cash dividends to net income (YTD only)3.98%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.09%
Noncurrent assets plus other real estate owned to assets 40.49%
Noncurrent loans to loans 2.12%
Net loans and leases to deposits2.70%
Net loans and leases to core deposits 50.82%
Equity capital to assets 57.12%
Core capital (leverage) ratio 12.01%
Tier 1 risk-based capital ratio 11.19%
Total risk-based capital ratio 25.21%
Average assets$26
Average earning assets$96,229
Average equity $10,981
Average loans $89,105
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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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