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)
  • Show street view No street view available for this location

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

Comment about this bank, ask questions, or add new information about it:

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with The First National Bank of Decatur.
Based on public records. Inadvertent errors are possible.
bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents