FDIC Certificate #: 18982 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:The First National Bank and Trust Company (#5285) Federal Reserve ID: 490441 Date Established: December 20, 1963 Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 1 (Interstate: No) FDIC's unique #: 12826 Numeric code: 3 Regulator: OCC Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes State Chartered: No Date of Deposit Insurance: December 20, 1963 Last Structure Change Effective Date: May 31, 2001 Last Structure Change Process Date: August 01, 2001 Last Data Update: August 01, 2001 Data Source Date: April 05, 2012
Location
Address: 500 North Elida Street, Winnebago, IL 61088 County: Winnebago 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): Rockford, IL (#6880) Combined Statistical Area (CSA): Rockford-Freeport-Rochelle, IL (#466) Core Based Statistical Area (CBSA): Rockford, IL (#40420) CBSA Metro Statistical Area: Rockford, IL (#40420)
Financial Summary
Total assets: $43.3 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2000)
Dollar figures in thousands
12Total employees (full-time equivalent)
$42,390Total assets
$964Cash and due from depository institutions
$0Interest-bearing balances
$17,271Securities
$1,600Federal funds sold & reverse repurchase agreements
$17,757Net loans & leases
$251Loan loss allowance
$0Trading account assets
$1,173Bank premises and fixed assets
$0Other real estate owned
$2,598Goodwill and other intangibles
$0Life insurance assets
$1,027All other assets
$42,390Total liabilities and capital
$36,214Total liabilities
$34,809Total deposits
$29,688Interest-bearing deposits
$34,809Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$961Other borrowed funds
$0Subordinated debt
$444All other liabilities
$6,176Total equity capital
$6,176Total bank equity capital
$6,176Perpetual preferred stock
$0Common stock
$143Surplus
$5,339Undivided profits
Memoranda
$694Noncurrent loans and leases
$5,990Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$1Earning assets
$0Long-term assets (5+ years)
$226Average Assets, year-to-date
$36,628Average Assets, quarterly
$3,126Volatile liabilities
$40,541Insider loans
$41,213FHLB advances
$6,720Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$5,990Total unused commitments
$0Restructured Loans and leases
$251Derivatives
Income and Expense (December 31, 2000)
Dollar figures in thousands
$2,531Total interest income
$1,519Total interest expense
$1,012Net interest income
$39Provision for loan and lease losses
$173Total noninterest income
$0Fiduciary activities
$72Service charges on deposit accounts
$0Trading account gains & fees
$101Additional noninterest income
$934Total noninterest expense
$461Salaries and employee benefits
$125Premises and equipment expense
$348Additional noninterest expense
$212Pre-tax net operating income
$9Securities gains (losses)
$55Applicable income taxes
$166Income before extraordinary items
$0Extraordinary gains - net
$166Net income attributable to bank
$0Net charge-offs
$0Cash dividends
-$12Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2000)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.37%Yield on earning assets
4.42%Cost of funding earning assets
2.95%Net interest margin
0.50%Noninterest income to earning assets
2.72%Noninterest expense to earning assets
0.39%Net operating income to assets
0.41%Return on assets (ROA)
0.55%Pretax return on assets
2.81%Return on equity (ROE)
2.81%Retained earnings to average equity (YTD only)
-0.08%Net charge-offs to loans
-325.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
68,776Assets per employee
3.53%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.39%Loss allowance to noncurrent loans
25100.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.01%Net loans and leases to deposits
51.01%Net loans and leases to core deposits
61.13%Equity capital to assets
14.57%Core capital (leverage) ratio
9.23%Tier 1 risk-based capital ratio
15.09%Total risk-based capital ratio
Memoranda
$16Average assets
$40,541Average earning assets
$5,900Average equity
$34,331Average loans
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