The First National Bank in Amboy in Amboy, Illinois (IL)

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The First National Bank in Amboy routing number info

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The First National Bank in Amboy
GeneralFDIC 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
LocationAddress: 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 SummaryTotal 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)
Total employees (full-time equivalent)53
Total assets$170,099
Cash and due from depository institutions$9,151
Interest-bearing balances$2,000
Federal funds sold & reverse repurchase agreements$200
Net loans & leases$77,577
Loan loss allowance $954
Trading account assets$0
Bank premises and fixed assets$2,373
Other real estate owned$1,234
Goodwill and other intangibles$0
All other assets$3,117
Life insurance assets$170,099
Total liabilities and capital$151,658
Total liabilities$149,166
Total deposits$127,423
Interest-bearing deposits$149,166
Deposits held in domestic offices$91
% insured (estimated)1720.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $772
All other liabilities $18,441
Total equity capital$18,441
Total bank equity capital$18,441
Perpetual preferred stock$0
Common stock$150
Undivided profits $18,141
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 $1,094
Earning assets $0
Long-term assets (5+ years) $1,453
Average Assets, year-to-date $156,224
Average Assets, quarterly $70,879
Volatile liabilities $167,403
Insider loans $169,039
FHLB advances $96,252
Loans and leases held for sale $168,271
Unused loan commitments $631
Tier 1 (core) risk-based capital $631
Tier 2 risk-based capital $16,449
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $9,692
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $7,037
Total interest expense $1,329
Net interest income $5,708
Provision for loan and lease losses $550
Total noninterest income $1,494
Fiduciary activities $174
Service charges on deposit accounts $347
Trading account gains & fees $0
Additional noninterest income $973
Total noninterest expense $5,199
Salaries and employee benefits $2,612
Premises and equipment expense $403
Additional noninterest expense $2,184
Pre-tax net operating income $1,453
Securities gains (losses) $17
Applicable income taxes $16
Income before extraordinary items $1,454
Extraordinary gains - net $0
Net income attributable to bank $1,454
Net charge-offs $0
Cash dividends $1,454
Sale, conversion, retirement of capital stock, net $694
Net operating income $427
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.56%
Cost of funding earning assets 0.86%
Net interest margin 3.70%
Noninterest income to earning assets 0.97%
Noninterest expense to earning assets 3.37%
Net operating income to assets 0.86%
Return on assets (ROA) 0.87%
Pretax return on assets 0.88%
Return on equity (ROE) 8.42%
Retained earnings to average equity (YTD only) 5.95%
Net charge-offs to loans 0.88%
Credit loss provision to net charge-offs 79.25%
Efficiency ratio2.89%
Assets per employee$72,188
Cash dividends to net income (YTD only)3.21%
Condition Ratios (%)
Loss allowance to loans 29.37%
Loss allowance to noncurrent loans 1.21%
Noncurrent assets plus other real estate owned to assets 87.20%
Noncurrent loans to loans 1.37%
Net loans and leases to deposits1.39%
Net loans and leases to core deposits 52.01%
Equity capital to assets 52.73%
Core capital (leverage) ratio 10.84%
Tier 1 risk-based capital ratio 9.78%
Total risk-based capital ratio 17.09%
Average assets$18
Average earning assets$167,403
Average equity $17,274
Average loans $154,385
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$44,193
Number of Accounts1
Personal trust and agency accounts$13,637
Employee benefit-defined contribution accounts$11,615
Employee benefit-defined benefit accounts$2,022
Other retirement accounts$0
Corporate trust and agency accounts$0
Investment management agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts117
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$30,556
Corporate trust and agency accounts$23,884
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$1,440
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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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