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


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

  • General
  • FDIC Certificate #: 3658
    Status: Active
    Federal Reserve ID: 914330
    Bank Holding Company (Regulatory Top Holder): First Dwight Corporation (RSSDID: 1210356, Location: Dwight, IL)
    Date Established: Febuary 01, 1905
    WWW: http://www.fnbofdwight.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 2336
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: June 01, 2010
    Last Structure Change Process Date: June 01, 2010
    Last Data Update: June 01, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 122 W. Main Street, Dwight, IL 60420
    County: Livingston
    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
    Core Based Statistical Area (CBSA): Pontiac, IL (#38700)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $129.6 mil
    Equity capital: $15.6 mil
    Deposits held in domestic offices: $105.5 mil
    Return on assets (ROA): 1.06% ($1.4 mil)
    Quarterly return on assets: 1.33% ($1.7 mil)
    Return on Equity (ROE): 8.54% ($1.4 mil)
    Quarterly return on equity: 10.77% ($1.7 mil)
    Net income: $1.3 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.08% ($1,400.0 mil)
    Quarterly Pretax return on assets: 1.34% ($1,737.1 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
  • 22Total employees (full-time equivalent)
  • $129,633Total assets
  • $21,484Cash and due from depository institutions
  • $17,762Interest-bearing balances
  • $48,318Securities
  • $2,682Federal funds sold & reverse repurchase agreements
  • $55,309Net loans & leases
  • $390Loan loss allowance
  • $0Trading account assets
  • $530Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $129,633Life insurance assets
  • $1,310All other assets
  • $114,058Total liabilities and capital
  • $105,459Total liabilities
  • $93,049Total deposits
  • $105,459Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 8415.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $184Subordinated debt
  • $15,575All other liabilities
  • $15,575Total equity capital
  • $15,575Total bank equity capital
  • $0Perpetual preferred stock
  • $1,000Common stock
  • $1,000Surplus
  • $13,575Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,555Income earned, not collected on loans
  • $0Earning assets
  • $822Long-term assets (5+ years)
  • $124,071Average Assets, year-to-date
  • $11,203Average Assets, quarterly
  • $126,163Volatile liabilities
  • $127,188Insider loans
  • $79,270FHLB advances
  • $124,110Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $14,403Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $5,974Restructured Loans and leases
  • $187Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,491Total interest income
  • $792Total interest expense
  • $3,699Net interest income
  • $726Provision for loan and lease losses
  • $692Total noninterest income
  • $495Fiduciary activities
  • $108Service charges on deposit accounts
  • $0Trading account gains & fees
  • $89Additional noninterest income
  • $2,307Total noninterest expense
  • $1,275Salaries and employee benefits
  • $216Premises and equipment expense
  • $816Additional noninterest expense
  • $1,358Pre-tax net operating income
  • $0Securities gains (losses)
  • $23Applicable income taxes
  • $1,335Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,335Net income attributable to bank
  • $0Net charge-offs
  • $1,335Cash dividends
  • $482Sale, conversion, retirement of capital stock, net
  • $1,193Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.71%Yield on earning assets
  • 0.65%Cost of funding earning assets
  • 3.05%Net interest margin
  • 0.57%Noninterest income to earning assets
  • 1.90%Noninterest expense to earning assets
  • 1.06%Net operating income to assets
  • 1.06%Return on assets (ROA)
  • 1.08%Pretax return on assets
  • 8.54%Return on equity (ROE)
  • 0.91%Retained earnings to average equity (YTD only)
  • 0.88%Net charge-offs to loans
  • 150.62%Credit loss provision to net charge-offs
  • 4.32%Efficiency ratio
  • 52,539Assets per employee
  • 5.89%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 89.36%Loss allowance to loans
  • 0.70%Loss allowance to noncurrent loans
  • 10.97%Noncurrent assets plus other real estate owned to assets
  • 2.74%Noncurrent loans to loans
  • 6.38%Net loans and leases to deposits
  • 52.45%Net loans and leases to core deposits
  • 53.37%Equity capital to assets
  • 12.01%Core capital (leverage) ratio
  • 11.61%Tier 1 risk-based capital ratio
  • 18.17%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $126,163Average earning assets
  • $15,629Average equity
  • $121,214Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $13,991Managed Assets
  • 1Number of Accounts
  • $11,614Personal trust and agency accounts
  • $11,567Employee benefit-defined contribution accounts
  • $47Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 72Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $2,377Other retirement accounts
  • $2,256Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 1 Illinois Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02336The First National Bank Of Dwight122 W. Main Street, Dwight, IL 60420Febuary 01, 1905Full Service Brick and Mortar

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