The First National Bank of Dieterich in Dieterich, Illinois (IL)

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The First National Bank of Dieterich
GeneralFDIC Certificate #: 3787
Status: Active
Federal Reserve ID: 771140
Bank Holding Company (Regulatory Top Holder): Prime Banc Corp. (RSSDID: 1842355, Location: Dieterich, IL)
Date Established: January 01, 1909
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: 8 (Domestic: 6, Interstate: No)
OTS Docket #: 14052
FDIC's unique #: 2450
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: Commercial Lending Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: January 14, 2012
Last Structure Change Process Date: January 20, 2012
Last Data Update: January 20, 2012
Data Source Date: April 05, 2012
LocationAddress: 101 South Main Street, Dieterich, IL 62424
County: Effingham
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Mount Vernon
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Central
Core Based Statistical Area (CBSA): Effingham, IL (#20820)
CBSA Micro Statistical Area: Yes
History of ChangesParticipated in Absorption/Consolidation/Merger
Financial SummaryTotal assets: $376.2 mil
Equity capital: $41.0 mil
Deposits held in domestic offices: $325.4 mil
Return on assets (ROA): 1.02% ($3.8 mil)
Quarterly return on assets: 1.09% ($4.1 mil)
Return on Equity (ROE): 10.55% ($4.3 mil)
Quarterly return on equity: 9.88% ($4.1 mil)
Net income: $3.5 mil
Quarterly Net income: $1.0 mil
Pretax return on assets: 1.40% ($5,266.2 mil)
Quarterly Pretax return on assets: 1.59% ($5,980.9 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)71
Total assets$376,157
Cash and due from depository institutions$13,400
Interest-bearing balances$7,874
Federal funds sold & reverse repurchase agreements$7,285
Net loans & leases$193,282
Loan loss allowance $2,131
Trading account assets$0
Bank premises and fixed assets$6,122
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$9,170
Life insurance assets$376,157
Total liabilities and capital$335,182
Total liabilities$325,369
Total deposits$314,814
Interest-bearing deposits$325,369
Deposits held in domestic offices$89
% insured (estimated)2968.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$4,000
Other borrowed funds $0
Subordinated debt $2,845
All other liabilities $40,975
Total equity capital$40,975
Total bank equity capital$40,975
Perpetual preferred stock$0
Common stock$200
Undivided profits $25,242
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 $659
Earning assets $0
Long-term assets (5+ years) $2,186
Average Assets, year-to-date $355,339
Average Assets, quarterly $126,148
Volatile liabilities $347,073
Insider loans $368,465
FHLB advances $232,693
Loans and leases held for sale $367,165
Unused loan commitments $4,584
Tier 1 (core) risk-based capital $4,584
Tier 2 risk-based capital $38,532
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $20,236
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $14,183
Total interest expense $4,365
Net interest income $9,818
Provision for loan and lease losses $581
Total noninterest income $2,292
Fiduciary activities $0
Service charges on deposit accounts $521
Trading account gains & fees $0
Additional noninterest income $1,771
Total noninterest expense $6,939
Salaries and employee benefits $3,617
Premises and equipment expense $1,197
Additional noninterest expense $2,125
Pre-tax net operating income $4,590
Securities gains (losses) $267
Applicable income taxes $1,323
Income before extraordinary items $3,534
Extraordinary gains - net $0
Net income attributable to bank $3,534
Net charge-offs $0
Cash dividends $3,534
Sale, conversion, retirement of capital stock, net $59
Net operating income $1,166
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.34%
Cost of funding earning assets 1.33%
Net interest margin 3.00%
Noninterest income to earning assets 0.70%
Noninterest expense to earning assets 2.12%
Net operating income to assets 0.96%
Return on assets (ROA) 1.02%
Pretax return on assets 1.40%
Return on equity (ROE) 10.55%
Retained earnings to average equity (YTD only) 7.07%
Net charge-offs to loans 0.03%
Credit loss provision to net charge-offs 984.75%
Efficiency ratio87.64%
Assets per employee$57,300
Cash dividends to net income (YTD only)5.30%
Condition Ratios (%)
Loss allowance to loans 32.99%
Loss allowance to noncurrent loans 1.09%
Noncurrent assets plus other real estate owned to assets 323.37%
Noncurrent loans to loans 0.18%
Net loans and leases to deposits0.34%
Net loans and leases to core deposits 59.40%
Equity capital to assets 62.20%
Core capital (leverage) ratio 10.89%
Tier 1 risk-based capital ratio 10.49%
Total risk-based capital ratio 16.56%
Average assets$17
Average earning assets$347,073
Average equity $33,488
Average loans $327,157
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8 Illinois Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
02450The First National Bank Of Dieterich101 South Main Street, Dieterich, IL 62424January 01, 1909Full Service Brick and Mortar
1201915National Trail Banking Center Branch1510 E. Fayette Ave., Effingham, IL 62401July 18, 1996Full Service Brick and Mortar
2201916Newton Branch1108 South Van Buren, Newton, IL 62448September 30, 1996Full Service Retail
3201917Lake Sara Branch10911 East State Hwy 33, Effingham, IL 62401November 22, 1999Full Service Brick and Mortar
4360485First National Branch - Messenger Se1101 South Main Street, Dieterich, IL 62424November 13, 2000Limited Service Mobile
5476657Effingham Branch510 West Fayette Avenue, Effingham, IL 62401May 12, 2008Full Service Brick and Mortar
77483Red Bud Branch115 West Market Street, Red Bud, IL 62278May 01, 1875Full Service Brick and Mortar
8476658Belleville Branch2100 South Illinois Street, Belleville, IL 62220June 06, 2008Full Service Brick and Mortar
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