FDIC Certificate #: 3635 Status: Active Federal Reserve ID: 150334 Bank Holding Company (Regulatory Top Holder): First Chillicothe Corp. (RSSDID: 1206500, Location: Chillicothe, IL) Date Established: January 01, 1934 WWW:http://www.fnbchillicothe.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 #: 2317 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: Yes Asset Concentration Hierarchy: Mortgage Lending Specialization Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: March 31, 2006 Last Structure Change Process Date: November 03, 2006 Last Data Update: November 03, 2006 Data Source Date: April 05, 2012
Location
Address: 900 North Fourth Street, Chillicothe, IL 61523 County: Peoria Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Chicago FDIC Field Office: Princeton Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: Central Metropolitan Statistical Area (MSA): Peoria-Pekin, IL (#6120) Combined Statistical Area (CSA): Peoria-Canton, IL (#426) Core Based Statistical Area (CBSA): Peoria, IL (#37900) CBSA Metro Statistical Area: Peoria, IL (#37900)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $68.7 mil Equity capital: $7.0 mil Deposits held in domestic offices: $61.5 mil Return on assets (ROA): 0.36% ($0.2 mil) Quarterly return on assets: 0.50% ($0.3 mil) Return on Equity (ROE): 3.59% ($0.3 mil) Quarterly return on equity: 4.92% ($0.3 mil) Net income: $0.2 mil Quarterly Net income: $0.1 mil Pretax return on assets: 0.35% ($240.4 mil) Quarterly Pretax return on assets: 0.51% ($350.3 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2011)
Dollar figures in thousands
15Total employees (full-time equivalent)
$68,684Total assets
$4,996Cash and due from depository institutions
$1,560Interest-bearing balances
$19,066Securities
$0Federal funds sold & reverse repurchase agreements
$42,229Net loans & leases
$163Loan loss allowance
$0Trading account assets
$571Bank premises and fixed assets
$584Other real estate owned
$0Goodwill and other intangibles
$68,684Life insurance assets
$1,238All other assets
$61,676Total liabilities and capital
$61,528Total liabilities
$57,796Total deposits
$61,528Interest-bearing deposits
$94Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$148Subordinated debt
$7,008All other liabilities
$7,008Total equity capital
$7,008Total bank equity capital
$0Perpetual preferred stock
$281Common stock
$1,646Surplus
$5,081Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$357Income earned, not collected on loans
$0Earning assets
$246Long-term assets (5+ years)
$62,855Average Assets, year-to-date
$31,689Average Assets, quarterly
$68,143Volatile liabilities
$68,688Insider loans
$40,118FHLB advances
$68,903Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$6,867Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,355Restructured Loans and leases
$1,737Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,863Total interest income
$951Total interest expense
$1,912Net interest income
$31Provision for loan and lease losses
$138Total noninterest income
$0Fiduciary activities
$114Service charges on deposit accounts
$0Trading account gains & fees
$24Additional noninterest income
$1,575Total noninterest expense
$795Salaries and employee benefits
$135Premises and equipment expense
$645Additional noninterest expense
$444Pre-tax net operating income
-$206Securities gains (losses)
-$7Applicable income taxes
$245Income before extraordinary items
$0Extraordinary gains - net
$245Net income attributable to bank
$0Net charge-offs
$245Cash dividends
$39Sale, conversion, retirement of capital stock, net
$25Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.60%Yield on earning assets
1.53%Cost of funding earning assets
3.07%Net interest margin
0.22%Noninterest income to earning assets
2.53%Noninterest expense to earning assets
0.66%Net operating income to assets
0.36%Return on assets (ROA)
0.35%Pretax return on assets
3.59%Return on equity (ROE)
3.22%Retained earnings to average equity (YTD only)
0.09%Net charge-offs to loans
79.49%Credit loss provision to net charge-offs
12.18%Efficiency ratio
76,829Assets per employee
4.58%Cash dividends to net income (YTD only)
Condition Ratios (%)
10.20%Loss allowance to loans
0.38%Loss allowance to noncurrent loans
45.66%Noncurrent assets plus other real estate owned to assets
1.37%Noncurrent loans to loans
0.84%Net loans and leases to deposits
68.63%Net loans and leases to core deposits
73.44%Equity capital to assets
10.20%Core capital (leverage) ratio
9.97%Tier 1 risk-based capital ratio
17.12%Total risk-based capital ratio
Memoranda
$18Average assets
$68,143Average earning assets
$6,832Average equity
$62,240Average loans
List of branches
1 Illinois Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
2317
First National Bank Of Chillicothe
900 North Fourth Street, Chillicothe, IL 61523
January 01, 1934
Full Service Brick and Mortar
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