Bank of Pontiac in city_name, state_name - Detailed Financial Reports, Location

Bank of Pontiac in Pontiac, Illinois (IL)
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Bank of Pontiac routing number info

Bank of Pontiac - Overview

General
FDIC Certificate #: 16982
Status: Active
Federal Reserve ID: 930442
Bank Holding Company (Regulatory Top Holder): Pontiac Bancorp, Inc. (RSSDID: 1207712, Location: Pontiac, IL)
Date Established: September 06, 1947
WWW: http://www.bankofpontiac.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 5 (Domestic: 5, Interstate: No)
OTS Docket #: 12730
FDIC's unique #: 11056
Numeric code: 13
Regulator: FED
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: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: All Other Specialization < 1 Billion
Date of Deposit Insurance: January 29, 1951
Last Structure Change Effective Date: July 23, 2010
Last Structure Change Process Date: August 04, 2010
Last Data Update: August 04, 2010
Data Source Date: April 05, 2012
Location
Address: 300 West Washington Street, Pontiac, IL 61764
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
Participated in Absorption/Consolidation/Merger
Financial Summary
Total assets: $390.3 mil
Equity capital: $48.3 mil
Deposits held in domestic offices: $329.4 mil
Return on assets (ROA): 0.98% ($3.8 mil)
Quarterly return on assets: 1.05% ($4.1 mil)
Return on Equity (ROE): 8.07% ($3.9 mil)
Quarterly return on equity: 8.59% ($4.1 mil)
Net income: $3.7 mil
Quarterly Net income: $1.0 mil
Pretax return on assets: 1.38% ($5,385.6 mil)
Quarterly Pretax return on assets: 1.34% ($5,229.5 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)
$390,261Total assets
$32,034Cash and due from depository institutions
$21,940Interest-bearing balances
$107,129Securities
$0Federal funds sold & reverse repurchase agreements
$230,825Net loans & leases
$5,725Loan loss allowance
$0Trading account assets
$2,671Bank premises and fixed assets
$4,333Other real estate owned
$539Goodwill and other intangibles
$390,260Life insurance assets
$12,730All other assets
$341,927Total liabilities and capital
$329,377Total liabilities
$287,663Total deposits
$329,377Interest-bearing deposits
$80Deposits held in domestic offices
6914.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$5,636Subordinated debt
$48,333All other liabilities
$48,333Total equity capital
$48,333Total bank equity capital
$0Perpetual preferred stock
$1,250Common stock
$8,323Surplus
$38,760Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$3,553Income earned, not collected on loans
$32Earning assets
$2,302Long-term assets (5+ years)
$359,894Average Assets, year-to-date
$117,868Average Assets, quarterly
$376,158Volatile liabilities
$390,925Insider loans
$225,084FHLB advances
$386,722Loans and leases held for sale
$3,157Unused loan commitments
$3,157Tier 1 (core) risk-based capital
$46,848Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$22,387Restructured Loans and leases
$1,758Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$17,182Total interest income
$3,353Total interest expense
$13,829Net interest income
$2,850Provision for loan and lease losses
$1,753Total noninterest income
$441Fiduciary activities
$693Service charges on deposit accounts
$0Trading account gains & fees
$619Additional noninterest income
$7,774Total noninterest expense
$3,658Salaries and employee benefits
$839Premises and equipment expense
$3,277Additional noninterest expense
$4,958Pre-tax net operating income
$247Securities gains (losses)
$1,500Applicable income taxes
$3,705Income before extraordinary items
$0Extraordinary gains - net
$3,705Net income attributable to bank
$0Net charge-offs
$3,705Cash dividends
$2,331Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.98%Yield on earning assets
0.97%Cost of funding earning assets
4.01%Net interest margin
0.51%Noninterest income to earning assets
2.26%Noninterest expense to earning assets
0.94%Net operating income to assets
0.98%Return on assets (ROA)
1.38%Pretax return on assets
8.07%Return on equity (ROE)
8.07%Retained earnings to average equity (YTD only)
1.00%Net charge-offs to loans
122.27%Credit loss provision to net charge-offs
3.35%Efficiency ratio
49,146Assets per employee
5.50%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.42%Loss allowance to noncurrent loans
161.13%Noncurrent assets plus other real estate owned to assets
2.02%Noncurrent loans to loans
1.50%Net loans and leases to deposits
70.08%Net loans and leases to core deposits
75.05%Equity capital to assets
12.38%Core capital (leverage) ratio
12.11%Tier 1 risk-based capital ratio
20.81%Total risk-based capital ratio
Memoranda
$22Average assets
$376,158Average earning assets
$45,889Average equity
$344,688Average 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
$139,106Managed Assets
1Number of Accounts
$120,664Personal trust and agency accounts
$42,683Employee benefit-defined contribution accounts
$1,692Employee benefit-defined benefit accounts
$3,852Other retirement accounts
$335Corporate trust and agency accounts
$0Investment management agency accounts
$72,102Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
205Number of Accounts
$0Personal trust and agency accounts
$335Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$18,442Other retirement accounts
$0Corporate trust and agency accounts
$10,886Other fiduciary accounts
$4,582Fiduciary accounts held in foreign offices

List of branches

5 Illinois Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	11056	Bank Of Pontiac	300 West Washington Street, Pontiac, IL 61764	September 06, 1947	Full Service Brick and Mortar
2	239876	Bank Of Pontiac West	1703 West Reynolds Street, Pontiac, IL 61764	April 08, 1996	Full Service Brick and Mortar
3	10913	Odell State Bank Branch	200 South Waupansie, Odell, IL 60460	May 21, 1949	Full Service Brick and Mortar
4	6911	Dwight Branch	132 East Main, Dwight, IL 60420	April 14, 1855	Full Service Brick and Mortar
5	223017	Motor Facility	East Chippewa And Franklin, Dwight, IL 60420	December 01, 1975	Limited Service Facility

Bank of Pontiac in Pontiac, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

Bank of Pontiac - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

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

Bank of Pontiac in Pontiac, Illinois (IL)Overview, Financial Summary, Detailed Financial Reports, Branches

Bank of Pontiac - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

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

Bank of Pontiac in Pontiac, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches