North Central Bank in Hennepin, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • North Central Bank in Hennepin, Illinois (IL)
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North Central Bank routing number info

North Central Bank - Overview

  • General
  • FDIC Certificate #: 17241
    Status: Active
    Federal Reserve ID: 565536
    Bank Holding Company (Regulatory Top Holder): Putnam County Bancorp, Inc. (RSSDID: 1136492, Location: Hennepin, IL)
    Date Established: December 07, 1946
    WWW: http://www.ncb-ebanc.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 15600
    FDIC's unique #: 11268
    Numeric code: 21
    Regulator: FDIC
    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: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: June 23, 1953
    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: Second And High Streets, Hennepin, IL 61327
    County: Putnam
    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
    Core Based Statistical Area (CBSA): Ottawa-Streator, IL (#36860)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $124.1 mil
    Equity capital: $14.9 mil
    Deposits held in domestic offices: $103.5 mil
    Return on assets (ROA): 1.37% ($1.7 mil)
    Quarterly return on assets: 1.69% ($2.1 mil)
    Return on Equity (ROE): 11.51% ($1.7 mil)
    Quarterly return on equity: 14.10% ($2.1 mil)
    Net income: $1.7 mil
    Quarterly Net income: $0.5 mil
    Pretax return on assets: 1.39% ($1,724.5 mil)
    Quarterly Pretax return on assets: 1.77% ($2,195.9 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
  • 25Total employees (full-time equivalent)
  • $124,064Total assets
  • $4,925Cash and due from depository institutions
  • $1,567Interest-bearing balances
  • $41,053Securities
  • $6,000Federal funds sold & reverse repurchase agreements
  • $64,263Net loans & leases
  • $1,011Loan loss allowance
  • $0Trading account assets
  • $574Bank premises and fixed assets
  • $1,106Other real estate owned
  • $2,704Goodwill and other intangibles
  • $124,064Life insurance assets
  • $3,439All other assets
  • $109,202Total liabilities and capital
  • $103,530Total liabilities
  • $95,158Total deposits
  • $103,530Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 2235.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,400Trading liabilities
  • $0Other borrowed funds
  • $1,037Subordinated debt
  • $14,862All other liabilities
  • $14,862Total equity capital
  • $14,862Total bank equity capital
  • $0Perpetual preferred stock
  • $790Common stock
  • $7,502Surplus
  • $6,570Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $228Income earned, not collected on loans
  • $0Earning assets
  • $993Long-term assets (5+ years)
  • $112,883Average Assets, year-to-date
  • $38,169Average Assets, quarterly
  • $122,192Volatile liabilities
  • $124,858Insider loans
  • $72,282FHLB advances
  • $122,286Loans and leases held for sale
  • $1,604Unused loan commitments
  • $1,604Tier 1 (core) risk-based capital
  • $11,560Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $12,661Restructured Loans and leases
  • $2,277Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,050Total interest income
  • $1,308Total interest expense
  • $3,742Net interest income
  • $172Provision for loan and lease losses
  • $640Total noninterest income
  • $0Fiduciary activities
  • $234Service charges on deposit accounts
  • $0Trading account gains & fees
  • $406Additional noninterest income
  • $2,549Total noninterest expense
  • $1,455Salaries and employee benefits
  • $229Premises and equipment expense
  • $865Additional noninterest expense
  • $1,661Pre-tax net operating income
  • $43Securities gains (losses)
  • $24Applicable income taxes
  • $1,680Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,680Net income attributable to bank
  • $0Net charge-offs
  • $1,680Cash dividends
  • $11Sale, conversion, retirement of capital stock, net
  • $1,188Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.53%Yield on earning assets
  • 1.17%Cost of funding earning assets
  • 3.36%Net interest margin
  • 0.57%Noninterest income to earning assets
  • 2.29%Noninterest expense to earning assets
  • 1.34%Net operating income to assets
  • 1.37%Return on assets (ROA)
  • 1.39%Pretax return on assets
  • 11.51%Return on equity (ROE)
  • 3.37%Retained earnings to average equity (YTD only)
  • 0.02%Net charge-offs to loans
  • 1563.64%Credit loss provision to net charge-offs
  • 166.64%Efficiency ratio
  • 58,101Assets per employee
  • 4.96%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 70.71%Loss allowance to loans
  • 1.55%Loss allowance to noncurrent loans
  • 443.42%Noncurrent assets plus other real estate owned to assets
  • 1.08%Noncurrent loans to loans
  • 0.35%Net loans and leases to deposits
  • 62.07%Net loans and leases to core deposits
  • 63.92%Equity capital to assets
  • 11.98%Core capital (leverage) ratio
  • 9.45%Tier 1 risk-based capital ratio
  • 15.99%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $122,192Average earning assets
  • $14,594Average equity
  • $111,486Average loans

List of branches

  • 2 Illinois Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    011268North Central BankSecond And High Streets, Hennepin, IL 61327December 07, 1946Full Service Brick and Mortar
    17688Ladd Branch110 North Main Street, Ladd, IL 61329June 05, 1889Full Service Brick and Mortar

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