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

The First National Bank of Dieterich - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total 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
  • 71Total employees (full-time equivalent)
  • $376,157Total assets
  • $13,400Cash and due from depository institutions
  • $7,874Interest-bearing balances
  • $146,898Securities
  • $7,285Federal funds sold & reverse repurchase agreements
  • $193,282Net loans & leases
  • $2,131Loan loss allowance
  • $0Trading account assets
  • $6,122Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $376,157Life insurance assets
  • $9,170All other assets
  • $335,182Total liabilities and capital
  • $325,369Total liabilities
  • $314,814Total deposits
  • $325,369Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 2968.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $4,000Trading liabilities
  • $0Other borrowed funds
  • $2,845Subordinated debt
  • $40,975All other liabilities
  • $40,975Total equity capital
  • $40,975Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $15,533Surplus
  • $25,242Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $659Income earned, not collected on loans
  • $0Earning assets
  • $2,186Long-term assets (5+ years)
  • $355,339Average Assets, year-to-date
  • $126,148Average Assets, quarterly
  • $347,073Volatile liabilities
  • $368,465Insider loans
  • $232,693FHLB advances
  • $367,165Loans and leases held for sale
  • $4,584Unused loan commitments
  • $4,584Tier 1 (core) risk-based capital
  • $38,532Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $20,236Restructured Loans and leases
  • $10,969Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $14,183Total interest income
  • $4,365Total interest expense
  • $9,818Net interest income
  • $581Provision for loan and lease losses
  • $2,292Total noninterest income
  • $0Fiduciary activities
  • $521Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,771Additional noninterest income
  • $6,939Total noninterest expense
  • $3,617Salaries and employee benefits
  • $1,197Premises and equipment expense
  • $2,125Additional noninterest expense
  • $4,590Pre-tax net operating income
  • $267Securities gains (losses)
  • $1,323Applicable income taxes
  • $3,534Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,534Net income attributable to bank
  • $0Net charge-offs
  • $3,534Cash dividends
  • $59Sale, conversion, retirement of capital stock, net
  • $1,166Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.34%Yield on earning assets
  • 1.33%Cost of funding earning assets
  • 3.00%Net interest margin
  • 0.70%Noninterest income to earning assets
  • 2.12%Noninterest expense to earning assets
  • 0.96%Net operating income to assets
  • 1.02%Return on assets (ROA)
  • 1.40%Pretax return on assets
  • 10.55%Return on equity (ROE)
  • 7.07%Retained earnings to average equity (YTD only)
  • 0.03%Net charge-offs to loans
  • 984.75%Credit loss provision to net charge-offs
  • 87.64%Efficiency ratio
  • 57,300Assets per employee
  • 5.30%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 32.99%Loss allowance to loans
  • 1.09%Loss allowance to noncurrent loans
  • 323.37%Noncurrent assets plus other real estate owned to assets
  • 0.18%Noncurrent loans to loans
  • 0.34%Net loans and leases to deposits
  • 59.40%Net loans and leases to core deposits
  • 62.20%Equity capital to assets
  • 10.89%Core capital (leverage) ratio
  • 10.49%Tier 1 risk-based capital ratio
  • 16.56%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $347,073Average earning assets
  • $33,488Average equity
  • $327,157Average loans

List of branches

  • 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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