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

This bank is inactive as of November 10, 2004

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

  • General
  • FDIC Certificate #: 3649
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Main Street Bank & Trust (#10842)
    Federal Reserve ID: 774833
    Date Established: December 26, 1873
    WWW: http://www.1stdecatur.com
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 6 (Interstate: No)
    OTS Docket #: 12358
    FDIC's unique #: 2330
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: November 10, 2004
    Last Structure Change Process Date: November 29, 2004
    Last Data Update: November 29, 2004
    Data Source Date: April 05, 2012
  • Location
  • Address: 130 North Water Street, Decatur, IL 62525
    County: Macon
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Champaign
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Decatur, IL (#2040)
    Core Based Statistical Area (CBSA): Decatur, IL (#19500)
    CBSA Metro Statistical Area: Decatur, IL (#19500)
  • Financial Summary
  • Total assets: $442.3 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, 2003)

  • Dollar figures in thousands
  • 104Total employees (full-time equivalent)
  • $429,250Total assets
  • $29,127Cash and due from depository institutions
  • $2,479Interest-bearing balances
  • $127,889Securities
  • $9,800Federal funds sold & reverse repurchase agreements
  • $251,798Net loans & leases
  • $3,823Loan loss allowance
  • $0Trading account assets
  • $3,718Bank premises and fixed assets
  • $0Other real estate owned
  • $580Goodwill and other intangibles
  • $0Life insurance assets
  • $6,338All other assets
  • $429,250Total liabilities and capital
  • $396,354Total liabilities
  • $340,582Total deposits
  • $298,276Interest-bearing deposits
  • $340,582Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $30,023Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $23,597Other borrowed funds
  • $0Subordinated debt
  • $2,152All other liabilities
  • $32,896Total equity capital
  • $32,896Total bank equity capital
  • $32,896Perpetual preferred stock
  • $0Common stock
  • $3,274Surplus
  • $4,416Undivided profits
  • Memoranda
  • $25,206Noncurrent loans and leases
  • $62,965Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $426Earning assets
  • $0Long-term assets (5+ years)
  • $2,472Average Assets, year-to-date
  • $391,966Average Assets, quarterly
  • $31,171Volatile liabilities
  • $433,443Insider loans
  • $428,507FHLB advances
  • $95,472Loans and leases held for sale
  • $24,824Unused loan commitments
  • $22,597Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $55Total risk weighted assets
  • $62,965Total unused commitments
  • $0Restructured Loans and leases
  • $3,663Derivatives

Income and Expense (December 31, 2003)

  • Dollar figures in thousands
  • $21,348Total interest income
  • $6,980Total interest expense
  • $14,368Net interest income
  • $480Provision for loan and lease losses
  • $5,127Total noninterest income
  • $2,137Fiduciary activities
  • $1,016Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,974Additional noninterest income
  • $10,039Total noninterest expense
  • $4,347Salaries and employee benefits
  • $1,125Premises and equipment expense
  • $4,567Additional noninterest expense
  • $8,976Pre-tax net operating income
  • $0Securities gains (losses)
  • $3,079Applicable income taxes
  • $5,897Income before extraordinary items
  • $0Extraordinary gains - net
  • $5,897Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $349Sale, conversion, retirement of capital stock, net
  • $18,900Net operating income

Performance and Condition Ratios (December 31, 2003)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.49%Yield on earning assets
  • 1.80%Cost of funding earning assets
  • 3.70%Net interest margin
  • 1.32%Noninterest income to earning assets
  • 2.58%Noninterest expense to earning assets
  • 1.36%Net operating income to assets
  • 1.36%Return on assets (ROA)
  • 2.07%Pretax return on assets
  • 14.27%Return on equity (ROE)
  • -31.46%Retained earnings to average equity (YTD only)
  • 0.14%Net charge-offs to loans
  • 137.54%Credit loss provision to net charge-offs
  • 27.09%Efficiency ratio
  • 51,362Assets per employee
  • 4.13%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 320.50%Loss allowance to loans
  • 1.50%Loss allowance to noncurrent loans
  • 897.42%Noncurrent assets plus other real estate owned to assets
  • 0.10%Noncurrent loans to loans
  • 0.17%Net loans and leases to deposits
  • 73.93%Net loans and leases to core deposits
  • 91.19%Equity capital to assets
  • 7.66%Core capital (leverage) ratio
  • 7.36%Tier 1 risk-based capital ratio
  • 10.81%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $433,443Average earning assets
  • $41,335Average equity
  • $388,586Average loans

Total Fiduciary and Related Assets (December 31, 2003)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $385,626Managed Assets
  • 1Number of Accounts
  • $336,989Personal trust and agency accounts
  • $278,914Employee benefit-defined contribution accounts
  • $12,023Employee benefit-defined benefit accounts
  • $2,011Other retirement accounts
  • $2,492Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $41,549Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 597Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $48,637Other retirement accounts
  • $5,730Corporate trust and agency accounts
  • $33,123Other fiduciary accounts
  • $5,103Fiduciary accounts held in foreign offices

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