The First National Bank in Amboy in Amboy, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

The First National Bank in Amboy - Overview

  • General
  • FDIC Certificate #: 14674
    Status: Active
    Federal Reserve ID: 656032
    Bank Holding Company (Regulatory Top Holder): Amboy Bancorp, Inc. (RSSDID: 1491753, Location: Amboy, IL)
    Date Established: August 11, 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: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 13187
    FDIC's unique #: 9176
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: August 11, 1934
    Last Structure Change Effective Date: November 26, 2008
    Last Structure Change Process Date: December 02, 2008
    Last Data Update: December 02, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 220 East Main Street, Amboy, IL 61310
    County: Lee
    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
    Core Based Statistical Area (CBSA): Dixon, IL (#19940)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $170.1 mil
    Equity capital: $18.4 mil
    Deposits held in domestic offices: $149.2 mil
    Return on assets (ROA): 0.87% ($1.5 mil)
    Quarterly return on assets: 1.10% ($1.9 mil)
    Return on Equity (ROE): 8.42% ($1.5 mil)
    Quarterly return on equity: 10.12% ($1.8 mil)
    Net income: $1.5 mil
    Quarterly Net income: $0.5 mil
    Pretax return on assets: 0.88% ($1,496.9 mil)
    Quarterly Pretax return on assets: 1.12% ($1,905.1 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
  • 53Total employees (full-time equivalent)
  • $170,099Total assets
  • $9,151Cash and due from depository institutions
  • $2,000Interest-bearing balances
  • $76,447Securities
  • $200Federal funds sold & reverse repurchase agreements
  • $77,577Net loans & leases
  • $954Loan loss allowance
  • $0Trading account assets
  • $2,373Bank premises and fixed assets
  • $1,234Other real estate owned
  • $0Goodwill and other intangibles
  • $170,099Life insurance assets
  • $3,117All other assets
  • $151,658Total liabilities and capital
  • $149,166Total liabilities
  • $127,423Total deposits
  • $149,166Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 1720.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $772Subordinated debt
  • $18,441All other liabilities
  • $18,441Total equity capital
  • $18,441Total bank equity capital
  • $0Perpetual preferred stock
  • $150Common stock
  • $150Surplus
  • $18,141Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,094Income earned, not collected on loans
  • $0Earning assets
  • $1,453Long-term assets (5+ years)
  • $156,224Average Assets, year-to-date
  • $70,879Average Assets, quarterly
  • $167,403Volatile liabilities
  • $169,039Insider loans
  • $96,252FHLB advances
  • $168,271Loans and leases held for sale
  • $631Unused loan commitments
  • $631Tier 1 (core) risk-based capital
  • $16,449Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $9,692Restructured Loans and leases
  • $1,413Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,037Total interest income
  • $1,329Total interest expense
  • $5,708Net interest income
  • $550Provision for loan and lease losses
  • $1,494Total noninterest income
  • $174Fiduciary activities
  • $347Service charges on deposit accounts
  • $0Trading account gains & fees
  • $973Additional noninterest income
  • $5,199Total noninterest expense
  • $2,612Salaries and employee benefits
  • $403Premises and equipment expense
  • $2,184Additional noninterest expense
  • $1,453Pre-tax net operating income
  • $17Securities gains (losses)
  • $16Applicable income taxes
  • $1,454Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,454Net income attributable to bank
  • $0Net charge-offs
  • $1,454Cash dividends
  • $694Sale, conversion, retirement of capital stock, net
  • $427Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.56%Yield on earning assets
  • 0.86%Cost of funding earning assets
  • 3.70%Net interest margin
  • 0.97%Noninterest income to earning assets
  • 3.37%Noninterest expense to earning assets
  • 0.86%Net operating income to assets
  • 0.87%Return on assets (ROA)
  • 0.88%Pretax return on assets
  • 8.42%Return on equity (ROE)
  • 5.95%Retained earnings to average equity (YTD only)
  • 0.88%Net charge-offs to loans
  • 79.25%Credit loss provision to net charge-offs
  • 2.89%Efficiency ratio
  • 72,188Assets per employee
  • 3.21%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 29.37%Loss allowance to loans
  • 1.21%Loss allowance to noncurrent loans
  • 87.20%Noncurrent assets plus other real estate owned to assets
  • 1.37%Noncurrent loans to loans
  • 1.39%Net loans and leases to deposits
  • 52.01%Net loans and leases to core deposits
  • 52.73%Equity capital to assets
  • 10.84%Core capital (leverage) ratio
  • 9.78%Tier 1 risk-based capital ratio
  • 17.09%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $167,403Average earning assets
  • $17,274Average equity
  • $154,385Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $44,193Managed Assets
  • 1Number of Accounts
  • $13,637Personal trust and agency accounts
  • $11,615Employee benefit-defined contribution accounts
  • $2,022Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 117Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $30,556Other retirement accounts
  • $23,884Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $1,440Fiduciary accounts held in foreign offices

List of branches

  • 3 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09176The First National Bank In Amboy220 East Main Street, Amboy, IL 61310August 11, 1934Full Service Brick and Mortar
    1231932Dixon Branch728 South Crawford Avenue, Dixon, IL 61021August 02, 1993Full Service Brick and Mortar
    2231933Dixon North Branch1314 North Galena, Dixon, IL 61021Febuary 03, 1997Full Service Brick and Mortar

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