FDIC Certificate #: 17869 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:The First National Bank and Trust Company (#5285) Federal Reserve ID: 758543 Date Established: May 24, 1958 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 2 (Interstate: No) FDIC's unique #: 11808 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes State Chartered: Yes Date of Deposit Insurance: May 24, 1958 Last Structure Change Effective Date: Febuary 23, 2001 Last Structure Change Process Date: March 08, 2001 Last Data Update: March 08, 2001 Data Source Date: April 05, 2012
Location
Address: 300 East Main Street, Rockton, IL 61072 County: Winnebago 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): Rockford, IL (#6880) Combined Statistical Area (CSA): Rockford-Freeport-Rochelle, IL (#466) Core Based Statistical Area (CBSA): Rockford, IL (#40420) CBSA Metro Statistical Area: Rockford, IL (#40420)
Financial Summary
Total assets: $84.0 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2000)
Dollar figures in thousands
34Total employees (full-time equivalent)
$83,960Total assets
$3,527Cash and due from depository institutions
$0Interest-bearing balances
$32,212Securities
$4,312Federal funds sold & reverse repurchase agreements
$39,388Net loans & leases
$374Loan loss allowance
$0Trading account assets
$3,668Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$853All other assets
$83,960Total liabilities and capital
$75,922Total liabilities
$75,347Total deposits
$63,185Interest-bearing deposits
$75,347Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$575All other liabilities
$8,038Total equity capital
$8,038Total bank equity capital
$8,038Perpetual preferred stock
$0Common stock
$152Surplus
$2,348Undivided profits
Memoranda
$5,538Noncurrent loans and leases
$8,317Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$153Earning assets
$0Long-term assets (5+ years)
$321Average Assets, year-to-date
$75,912Average Assets, quarterly
$17,325Volatile liabilities
$80,547Insider loans
$82,428FHLB advances
$6,439Loans and leases held for sale
$2,182Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$8,317Total unused commitments
$0Restructured Loans and leases
$374Derivatives
Income and Expense (December 31, 2000)
Dollar figures in thousands
$5,543Total interest income
$2,734Total interest expense
$2,809Net interest income
$24Provision for loan and lease losses
$420Total noninterest income
$0Fiduciary activities
$217Service charges on deposit accounts
$0Trading account gains & fees
$203Additional noninterest income
$2,696Total noninterest expense
$1,334Salaries and employee benefits
$684Premises and equipment expense
$678Additional noninterest expense
$509Pre-tax net operating income
$0Securities gains (losses)
$91Applicable income taxes
$418Income before extraordinary items
$0Extraordinary gains - net
$418Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$13Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2000)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.72%Yield on earning assets
3.81%Cost of funding earning assets
3.91%Net interest margin
0.59%Noninterest income to earning assets
3.76%Noninterest expense to earning assets
0.52%Net operating income to assets
0.52%Return on assets (ROA)
0.63%Pretax return on assets
5.72%Return on equity (ROE)
5.72%Retained earnings to average equity (YTD only)
0.03%Net charge-offs to loans
184.62%Credit loss provision to net charge-offs
41.00%Efficiency ratio
83,493Assets per employee
2.47%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.94%Loss allowance to noncurrent loans
244.44%Noncurrent assets plus other real estate owned to assets
0.18%Noncurrent loans to loans
0.38%Net loans and leases to deposits
52.28%Net loans and leases to core deposits
57.16%Equity capital to assets
9.57%Core capital (leverage) ratio
9.70%Tier 1 risk-based capital ratio
15.10%Total risk-based capital ratio
Memoranda
$16Average assets
$80,547Average earning assets
$7,309Average equity
$71,762Average loans
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