FDIC Certificate #: 3658 Status: Active Federal Reserve ID: 914330 Bank Holding Company (Regulatory Top Holder): First Dwight Corporation (RSSDID: 1210356, Location: Dwight, IL) Date Established: Febuary 01, 1905 WWW:http://www.fnbofdwight.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 #: 2336 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: January 01, 1934 Last Structure Change Effective Date: June 01, 2010 Last Structure Change Process Date: June 01, 2010 Last Data Update: June 01, 2010 Data Source Date: April 05, 2012
Location
Address: 122 W. Main Street, Dwight, IL 60420 County: Livingston Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Chicago FDIC Field Office: Champaign Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: Central Core Based Statistical Area (CBSA): Pontiac, IL (#38700) CBSA Micro Statistical Area: Yes
History of Changes
Change in Location
Financial Summary
Total assets: $129.6 mil Equity capital: $15.6 mil Deposits held in domestic offices: $105.5 mil Return on assets (ROA): 1.06% ($1.4 mil) Quarterly return on assets: 1.33% ($1.7 mil) Return on Equity (ROE): 8.54% ($1.4 mil) Quarterly return on equity: 10.77% ($1.7 mil) Net income: $1.3 mil Quarterly Net income: $0.4 mil Pretax return on assets: 1.08% ($1,400.0 mil) Quarterly Pretax return on assets: 1.34% ($1,737.1 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
22Total employees (full-time equivalent)
$129,633Total assets
$21,484Cash and due from depository institutions
$17,762Interest-bearing balances
$48,318Securities
$2,682Federal funds sold & reverse repurchase agreements
$55,309Net loans & leases
$390Loan loss allowance
$0Trading account assets
$530Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$129,633Life insurance assets
$1,310All other assets
$114,058Total liabilities and capital
$105,459Total liabilities
$93,049Total deposits
$105,459Interest-bearing deposits
$92Deposits held in domestic offices
8415.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$184Subordinated debt
$15,575All other liabilities
$15,575Total equity capital
$15,575Total bank equity capital
$0Perpetual preferred stock
$1,000Common stock
$1,000Surplus
$13,575Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$3,555Income earned, not collected on loans
$0Earning assets
$822Long-term assets (5+ years)
$124,071Average Assets, year-to-date
$11,203Average Assets, quarterly
$126,163Volatile liabilities
$127,188Insider loans
$79,270FHLB advances
$124,110Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$14,403Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$5,974Restructured Loans and leases
$187Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$4,491Total interest income
$792Total interest expense
$3,699Net interest income
$726Provision for loan and lease losses
$692Total noninterest income
$495Fiduciary activities
$108Service charges on deposit accounts
$0Trading account gains & fees
$89Additional noninterest income
$2,307Total noninterest expense
$1,275Salaries and employee benefits
$216Premises and equipment expense
$816Additional noninterest expense
$1,358Pre-tax net operating income
$0Securities gains (losses)
$23Applicable income taxes
$1,335Income before extraordinary items
$0Extraordinary gains - net
$1,335Net income attributable to bank
$0Net charge-offs
$1,335Cash dividends
$482Sale, conversion, retirement of capital stock, net
$1,193Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.71%Yield on earning assets
0.65%Cost of funding earning assets
3.05%Net interest margin
0.57%Noninterest income to earning assets
1.90%Noninterest expense to earning assets
1.06%Net operating income to assets
1.06%Return on assets (ROA)
1.08%Pretax return on assets
8.54%Return on equity (ROE)
0.91%Retained earnings to average equity (YTD only)
0.88%Net charge-offs to loans
150.62%Credit loss provision to net charge-offs
4.32%Efficiency ratio
52,539Assets per employee
5.89%Cash dividends to net income (YTD only)
Condition Ratios (%)
89.36%Loss allowance to loans
0.70%Loss allowance to noncurrent loans
10.97%Noncurrent assets plus other real estate owned to assets
2.74%Noncurrent loans to loans
6.38%Net loans and leases to deposits
52.45%Net loans and leases to core deposits
53.37%Equity capital to assets
12.01%Core capital (leverage) ratio
11.61%Tier 1 risk-based capital ratio
18.17%Total risk-based capital ratio
Memoranda
$19Average assets
$126,163Average earning assets
$15,629Average equity
$121,214Average 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
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