The First National Bank & Trust Company of Rochelle in Rochelle, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • The First National Bank & Trust Company of Rochelle in Rochelle, Illinois (IL)
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The First National Bank & Trust Company of Rochelle routing number info

The First National Bank & Trust Company of Rochelle - Overview

  • General
  • FDIC Certificate #: 14583
    Status: Active
    Federal Reserve ID: 678043
    Bank Holding Company (Regulatory Top Holder): Ogle County Bancshares, Inc. (RSSDID: 1206537, Location: Rochelle, IL)
    Date Established: July 12, 1934
    WWW: http://www.fnbrochelle.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: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 11579
    FDIC's unique #: 9116
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: July 12, 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: 340 May Mart Drive, Rochelle, IL 61068
    County: Ogle
    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): Rochelle, IL (#40300)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $225.3 mil
    Equity capital: $20.7 mil
    Deposits held in domestic offices: $189.5 mil
    Return on assets (ROA): 0.98% ($2.2 mil)
    Quarterly return on assets: 0.60% ($1.4 mil)
    Return on Equity (ROE): 10.74% ($2.3 mil)
    Quarterly return on equity: 6.54% ($1.4 mil)
    Net income: $2.2 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 0.98% ($2,208.3 mil)
    Quarterly Pretax return on assets: 0.60% ($1,352.0 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
  • 68Total employees (full-time equivalent)
  • $225,334Total assets
  • $9,177Cash and due from depository institutions
  • $4,236Interest-bearing balances
  • $130,992Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $68,218Net loans & leases
  • $1,391Loan loss allowance
  • $0Trading account assets
  • $4,192Bank premises and fixed assets
  • $1,655Other real estate owned
  • $3,640Goodwill and other intangibles
  • $225,334Life insurance assets
  • $7,460All other assets
  • $204,609Total liabilities and capital
  • $189,516Total liabilities
  • $167,449Total deposits
  • $189,516Interest-bearing deposits
  • $85Deposits held in domestic offices
  • 7096.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $5,500Trading liabilities
  • $0Other borrowed funds
  • $2,497Subordinated debt
  • $20,725All other liabilities
  • $20,725Total equity capital
  • $20,725Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $3,100Surplus
  • $17,525Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $292Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,853Income earned, not collected on loans
  • $0Earning assets
  • $1,421Long-term assets (5+ years)
  • $203,446Average Assets, year-to-date
  • $60,314Average Assets, quarterly
  • $224,516Volatile liabilities
  • $228,866Insider loans
  • $105,772FHLB advances
  • $224,296Loans and leases held for sale
  • $3,943Unused loan commitments
  • $3,943Tier 1 (core) risk-based capital
  • $19,146Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $12,451Restructured Loans and leases
  • $4,881Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $8,585Total interest income
  • $1,689Total interest expense
  • $6,896Net interest income
  • $520Provision for loan and lease losses
  • $2,139Total noninterest income
  • $49Fiduciary activities
  • $835Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,255Additional noninterest income
  • $7,302Total noninterest expense
  • $3,809Salaries and employee benefits
  • $536Premises and equipment expense
  • $2,957Additional noninterest expense
  • $1,213Pre-tax net operating income
  • $993Securities gains (losses)
  • $0Applicable income taxes
  • $2,206Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,206Net income attributable to bank
  • $0Net charge-offs
  • $2,206Cash dividends
  • $813Sale, conversion, retirement of capital stock, net
  • $1,450Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.26%Yield on earning assets
  • 0.84%Cost of funding earning assets
  • 3.42%Net interest margin
  • 1.06%Noninterest income to earning assets
  • 3.62%Noninterest expense to earning assets
  • 0.54%Net operating income to assets
  • 0.98%Return on assets (ROA)
  • 0.98%Pretax return on assets
  • 10.74%Return on equity (ROE)
  • 3.68%Retained earnings to average equity (YTD only)
  • 1.11%Net charge-offs to loans
  • 63.96%Credit loss provision to net charge-offs
  • 2.13%Efficiency ratio
  • 78,462Assets per employee
  • 3.31%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 65.73%Loss allowance to loans
  • 2.00%Loss allowance to noncurrent loans
  • 75.07%Noncurrent assets plus other real estate owned to assets
  • 1.56%Noncurrent loans to loans
  • 2.66%Net loans and leases to deposits
  • 36.00%Net loans and leases to core deposits
  • 36.86%Equity capital to assets
  • 9.20%Core capital (leverage) ratio
  • 8.54%Tier 1 risk-based capital ratio
  • 18.10%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $224,516Average earning assets
  • $20,531Average equity
  • $201,656Average 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
  • $179Managed Assets
  • 1Number of Accounts
  • $179Personal trust and agency accounts
  • $179Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 1Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 3 Illinois Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    09116The First National Bank & Trust Comp340 May Mart Drive, Rochelle, IL 61068July 12, 1934Full Service Brick and Mortar
    46680Ashton Rochelle Branch803 Main Street, Ashton, IL 61006September 01, 1869Full Service Brick and Mortar
    5283796Oregon Branch307 Franklin Street, Oregon, IL 61061August 03, 1960Full Service Brick and Mortar

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