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

The First National Bank in Tremont - Overview

  • General
  • FDIC Certificate #: 3749
    Status: Active
    Federal Reserve ID: 353546
    Bank Holding Company (Regulatory Top Holder): Tremont Bancorp, Inc. (RSSDID: 1492497, Location: Tremont, IL)
    Date Established: November 18, 1931
    Trust Powers Granted: No
    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)
    FDIC's unique #: 2414
    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: No
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    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: 134 South Sampson Street, Tremont, IL 61568
    County: Tazewell
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Springfield Il
    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: $119.4 mil
    Equity capital: $11.8 mil
    Deposits held in domestic offices: $106.9 mil
    Return on assets (ROA): 0.49% ($0.6 mil)
    Quarterly return on assets: 0.42% ($0.5 mil)
    Return on Equity (ROE): 5.01% ($0.6 mil)
    Quarterly return on equity: 4.18% ($0.5 mil)
    Net income: $0.6 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.57% ($680.4 mil)
    Quarterly Pretax return on assets: 0.46% ($549.1 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
  • 31Total employees (full-time equivalent)
  • $119,368Total assets
  • $15,869Cash and due from depository institutions
  • $11,990Interest-bearing balances
  • $43,413Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $53,638Net loans & leases
  • $1,023Loan loss allowance
  • $0Trading account assets
  • $2,315Bank premises and fixed assets
  • $366Other real estate owned
  • $701Goodwill and other intangibles
  • $119,367Life insurance assets
  • $3,066All other assets
  • $107,616Total liabilities and capital
  • $106,903Total liabilities
  • $90,447Total deposits
  • $106,903Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $713Subordinated debt
  • $11,751All other liabilities
  • $11,751Total equity capital
  • $11,751Total bank equity capital
  • $0Perpetual preferred stock
  • $757Common stock
  • $2,245Surplus
  • $8,749Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,433Income earned, not collected on loans
  • $0Earning assets
  • $483Long-term assets (5+ years)
  • $109,041Average Assets, year-to-date
  • $51,110Average Assets, quarterly
  • $118,294Volatile liabilities
  • $119,479Insider loans
  • $61,358FHLB advances
  • $120,661Loans and leases held for sale
  • $802Unused loan commitments
  • $802Tier 1 (core) risk-based capital
  • $10,552Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $11,013Restructured Loans and leases
  • $527Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,054Total interest income
  • $1,008Total interest expense
  • $4,046Net interest income
  • $450Provision for loan and lease losses
  • $364Total noninterest income
  • $0Fiduciary activities
  • $129Service charges on deposit accounts
  • $0Trading account gains & fees
  • $235Additional noninterest income
  • $3,429Total noninterest expense
  • $1,609Salaries and employee benefits
  • $368Premises and equipment expense
  • $1,452Additional noninterest expense
  • $531Pre-tax net operating income
  • $146Securities gains (losses)
  • $100Applicable income taxes
  • $577Income before extraordinary items
  • $0Extraordinary gains - net
  • $577Net income attributable to bank
  • $0Net charge-offs
  • $577Cash dividends
  • $645Sale, conversion, retirement of capital stock, net
  • $182Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.66%Yield on earning assets
  • 0.93%Cost of funding earning assets
  • 3.73%Net interest margin
  • 0.34%Noninterest income to earning assets
  • 3.16%Noninterest expense to earning assets
  • 0.38%Net operating income to assets
  • 0.49%Return on assets (ROA)
  • 0.57%Pretax return on assets
  • 5.01%Return on equity (ROE)
  • 3.43%Retained earnings to average equity (YTD only)
  • 1.12%Net charge-offs to loans
  • 69.77%Credit loss provision to net charge-offs
  • 1.52%Efficiency ratio
  • 77,188Assets per employee
  • 3.85%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 31.54%Loss allowance to loans
  • 1.87%Loss allowance to noncurrent loans
  • 71.39%Noncurrent assets plus other real estate owned to assets
  • 1.51%Noncurrent loans to loans
  • 2.62%Net loans and leases to deposits
  • 50.17%Net loans and leases to core deposits
  • 52.05%Equity capital to assets
  • 9.84%Core capital (leverage) ratio
  • 8.75%Tier 1 risk-based capital ratio
  • 17.20%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $118,294Average earning assets
  • $11,509Average equity
  • $108,442Average loans

List of branches

  • 3 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02414The First National Bank In Tremont134 South Sampson Street, Tremont, IL 61568November 18, 1931Full Service Brick and Mortar
    110653New Holland Branch109 West Lincoln Street, New Holland, IL 62671October 10, 1946Full Service Brick and Mortar
    212929Community Bank Of Hopedale Branch115 Nw Main St., Hopedale, IL 61747May 01, 1964Full Service Brick and Mortar

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