First National Bank of Chillicothe in Chillicothe, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • First National Bank of Chillicothe in Chillicothe, Illinois (IL)
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First National Bank of Chillicothe - Overview

  • General
  • FDIC Certificate #: 3635
    Status: Active
    Federal Reserve ID: 150334
    Bank Holding Company (Regulatory Top Holder): First Chillicothe Corp. (RSSDID: 1206500, Location: Chillicothe, IL)
    Date Established: January 01, 1934
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 2317
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    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: 900 North Fourth Street, Chillicothe, IL 61523
    County: Peoria
    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): Peoria-Pekin, IL (#6120)
    Combined Statistical Area (CSA): Peoria-Canton, IL (#426)
    Core Based Statistical Area (CBSA): Peoria, IL (#37900)
    CBSA Metro Statistical Area: Peoria, IL (#37900)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $68.7 mil
    Equity capital: $7.0 mil
    Deposits held in domestic offices: $61.5 mil
    Return on assets (ROA): 0.36% ($0.2 mil)
    Quarterly return on assets: 0.50% ($0.3 mil)
    Return on Equity (ROE): 3.59% ($0.3 mil)
    Quarterly return on equity: 4.92% ($0.3 mil)
    Net income: $0.2 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.35% ($240.4 mil)
    Quarterly Pretax return on assets: 0.51% ($350.3 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
  • 15Total employees (full-time equivalent)
  • $68,684Total assets
  • $4,996Cash and due from depository institutions
  • $1,560Interest-bearing balances
  • $19,066Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $42,229Net loans & leases
  • $163Loan loss allowance
  • $0Trading account assets
  • $571Bank premises and fixed assets
  • $584Other real estate owned
  • $0Goodwill and other intangibles
  • $68,684Life insurance assets
  • $1,238All other assets
  • $61,676Total liabilities and capital
  • $61,528Total liabilities
  • $57,796Total deposits
  • $61,528Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $148Subordinated debt
  • $7,008All other liabilities
  • $7,008Total equity capital
  • $7,008Total bank equity capital
  • $0Perpetual preferred stock
  • $281Common stock
  • $1,646Surplus
  • $5,081Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $357Income earned, not collected on loans
  • $0Earning assets
  • $246Long-term assets (5+ years)
  • $62,855Average Assets, year-to-date
  • $31,689Average Assets, quarterly
  • $68,143Volatile liabilities
  • $68,688Insider loans
  • $40,118FHLB advances
  • $68,903Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $6,867Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,355Restructured Loans and leases
  • $1,737Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,863Total interest income
  • $951Total interest expense
  • $1,912Net interest income
  • $31Provision for loan and lease losses
  • $138Total noninterest income
  • $0Fiduciary activities
  • $114Service charges on deposit accounts
  • $0Trading account gains & fees
  • $24Additional noninterest income
  • $1,575Total noninterest expense
  • $795Salaries and employee benefits
  • $135Premises and equipment expense
  • $645Additional noninterest expense
  • $444Pre-tax net operating income
  • -$206Securities gains (losses)
  • -$7Applicable income taxes
  • $245Income before extraordinary items
  • $0Extraordinary gains - net
  • $245Net income attributable to bank
  • $0Net charge-offs
  • $245Cash dividends
  • $39Sale, conversion, retirement of capital stock, net
  • $25Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.60%Yield on earning assets
  • 1.53%Cost of funding earning assets
  • 3.07%Net interest margin
  • 0.22%Noninterest income to earning assets
  • 2.53%Noninterest expense to earning assets
  • 0.66%Net operating income to assets
  • 0.36%Return on assets (ROA)
  • 0.35%Pretax return on assets
  • 3.59%Return on equity (ROE)
  • 3.22%Retained earnings to average equity (YTD only)
  • 0.09%Net charge-offs to loans
  • 79.49%Credit loss provision to net charge-offs
  • 12.18%Efficiency ratio
  • 76,829Assets per employee
  • 4.58%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 10.20%Loss allowance to loans
  • 0.38%Loss allowance to noncurrent loans
  • 45.66%Noncurrent assets plus other real estate owned to assets
  • 1.37%Noncurrent loans to loans
  • 0.84%Net loans and leases to deposits
  • 68.63%Net loans and leases to core deposits
  • 73.44%Equity capital to assets
  • 10.20%Core capital (leverage) ratio
  • 9.97%Tier 1 risk-based capital ratio
  • 17.12%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $68,143Average earning assets
  • $6,832Average equity
  • $62,240Average loans

List of branches

  • 1 Illinois Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02317First National Bank Of Chillicothe900 North Fourth Street, Chillicothe, IL 61523January 01, 1934Full Service Brick and Mortar

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