FDIC Certificate #: 11704 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:The First National Bank of Dieterich (#3787) Federal Reserve ID: 356949 Bank Holding Company (Regulatory Top Holder): Red Bud Bancorp, Inc. (RSSDID: 1133343, Location: Red Bud, IL) Date Established: May 01, 1875 WWW:http://www.fsbredbud.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 2 (Domestic: 2, Interstate: No) OTS Docket #: 10974 FDIC's unique #: 7483 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 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: 115 West Market Street, Red Bud, IL 62278 County: Randolph 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
Financial Summary
Total assets: $96.0 mil Equity capital: $11.9 mil Deposits held in domestic offices: $82.3 mil Return on assets (ROA): 0.53% ($0.5 mil) Quarterly return on assets: 0.48% ($0.5 mil) Return on Equity (ROE): 4.52% ($0.5 mil) Quarterly return on equity: 3.83% ($0.5 mil) Net income: $0.5 mil Quarterly Net income: $0.1 mil Pretax return on assets: 0.86% ($825.4 mil) Quarterly Pretax return on assets: 0.91% ($873.4 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
19Total employees (full-time equivalent)
$95,974Total assets
$3,445Cash and due from depository institutions
$411Interest-bearing balances
$45,999Securities
$2,000Federal funds sold & reverse repurchase agreements
$36,969Net loans & leases
$2,512Loan loss allowance
$0Trading account assets
$1,799Bank premises and fixed assets
$1,559Other real estate owned
$0Goodwill and other intangibles
$95,974Life insurance assets
$4,203All other assets
$84,041Total liabilities and capital
$82,302Total liabilities
$69,394Total deposits
$82,302Interest-bearing deposits
$94Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$1,000Trading liabilities
$0Other borrowed funds
$739Subordinated debt
$11,933All other liabilities
$11,933Total equity capital
$11,933Total bank equity capital
$0Perpetual preferred stock
$100Common stock
$9,468Surplus
$2,365Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,499Income earned, not collected on loans
$0Earning assets
$359Long-term assets (5+ years)
$85,379Average Assets, year-to-date
$48,413Average Assets, quarterly
$96,122Volatile liabilities
$94,859Insider loans
$48,950FHLB advances
$90,971Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$9,124Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$3,394Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$3,814Total interest income
$1,162Total interest expense
$2,652Net interest income
$0Provision for loan and lease losses
$295Total noninterest income
$0Fiduciary activities
$184Service charges on deposit accounts
$0Trading account gains & fees
$111Additional noninterest income
$2,245Total noninterest expense
$1,105Salaries and employee benefits
$489Premises and equipment expense
$651Additional noninterest expense
$702Pre-tax net operating income
$129Securities gains (losses)
$317Applicable income taxes
$514Income before extraordinary items
$0Extraordinary gains - net
$514Net income attributable to bank
$0Net charge-offs
$514Cash dividends
$190Sale, conversion, retirement of capital stock, net
$15Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.43%Yield on earning assets
1.35%Cost of funding earning assets
3.08%Net interest margin
0.34%Noninterest income to earning assets
2.61%Noninterest expense to earning assets
0.45%Net operating income to assets
0.53%Return on assets (ROA)
0.86%Pretax return on assets
4.52%Return on equity (ROE)
4.39%Retained earnings to average equity (YTD only)
0.46%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
3.69%Efficiency ratio
76,179Assets per employee
5.05%Cash dividends to net income (YTD only)
Condition Ratios (%)
2.92%Loss allowance to loans
6.36%Loss allowance to noncurrent loans
167.58%Noncurrent assets plus other real estate owned to assets
3.19%Noncurrent loans to loans
3.80%Net loans and leases to deposits
44.92%Net loans and leases to core deposits
44.92%Equity capital to assets
12.43%Core capital (leverage) ratio
10.03%Tier 1 risk-based capital ratio
18.64%Total risk-based capital ratio
Memoranda
$20Average assets
$96,122Average earning assets
$11,371Average equity
$86,173Average loans
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