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| The First National Bank of Danville |
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| General | FDIC Certificate #: 3644
Status: Active
Federal Reserve ID: 700337
Bank Holding Company (Regulatory Top Holder): Peotone Bancorp, Inc. (RSSDID: 1202799, Location: Peotone, IL)
Date Established: 1857-01-01
WWW: http://www.fnbdanville.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: 7 (Domestic: 7, Interstate: No)
FDIC's unique #: 2325
Numeric code: 3
Regulator: OCC
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: No
Subchapter S Corporations: No
Asset Concentration Hierarchy: All Other Specialization < 1 Billion
Date of Deposit Insurance: 1934-01-01
Last Structure Change Effective Date: 2006-03-31
Last Structure Change Process Date: 2006-11-03
Last Data Update: 2006-11-03
Data Source Date: 2009-05-14 |
| Location | Address: 1 Towne Centre, Danville, IL 61832
County: Vermilion
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): Danville, IL (#19180)
CBSA Metro Statistical Area: Danville, IL (#19180) |
| History of Changes | Merge BIF and SAIF Funds into DIF |
| Financial Summary | Total assets: $175.3 mil
Equity capital: $17.4 mil
Deposits held in domestic offices: $149.6 mil
Return on assets (ROA): -0.79% (-$1.4 mil)
Quarterly return on assets: -6.90% (-$12.1 mil)
Return on Equity (ROE): -8.94% (-$1.5 mil)
Quarterly return on equity: -69.55% (-$11.8 mil)
Net income: -$1.6 mil
Quarterly Net income: -$3.1 mil
Pretax return on assets: -1.41% (-$2,472.2 mil)
Quarterly Pretax return on assets: -11.37% (-$19,935.2 mil) |
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
2000 - 2008 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, 2008)
(Dollar figures in thousands) |
| Total employees (full-time equivalent) | 77 |
| Total assets | $175,332 |
| Cash and due from depository institutions | $10,105 |
| Interest-bearing balances | $1 |
| Securities | $43,422 |
| Federal funds sold & reverse repurchase agreements | $0 |
| Net loans & leases | $96,680 |
| Loan loss allowance | $5,389 |
| Trading account assets | $270 |
| Bank premises and fixed assets | $5,612 |
| Other real estate owned | $1,967 |
| Goodwill and other intangibles | $3,718 |
| All other assets | $13,558 |
| Life insurance assets | $5,464 |
| Total liabilities and capital | $175,332 |
| Total liabilities | $157,930 |
| Total deposits | $149,564 |
| Interest-bearing deposits | $139,952 |
| Deposits held in domestic offices | $149,564 |
| % insured (estimated) | 78.99% |
| Federal funds purchased & repurchase agreements | $7,003 |
| Trading liabilities | $0 |
| Other borrowed funds | $0 |
| Subordinated debt | $0 |
| All other liabilities | $1,363 |
| Total equity capital | $17,402 |
| Total bank equity capital | $17,402 |
| Perpetual preferred stock | $0 |
| Common stock | $2,850 |
| Surplus | $14,237 |
| Undivided profits | $315 |
| Memoranda |
| Noncurrent loans and leases | $8,769 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 |
| Income earned, not collected on loans | $877 |
| Earning assets | $140,373 |
| Long-term assets (5+ years) | $34,658 |
| Average Assets, year-to-date | $196,655 |
| Average Assets, quarterly | $180,117 |
| Volatile liabilities | $24,117 |
| Insider loans | $1,751 |
| FHLB advances | $0 |
| Loans and leases held for sale | $0 |
| Unused loan commitments | $5,542 |
| Tier 1 (core) risk-based capital | $13,939 |
| Tier 2 risk-based capital | $1,509 |
| Total risk weighted assets | $117,084 |
| Total unused commitments | $5,542 |
| Restructured Loans and leases | $23 |
| Derivatives | $0 |
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Income and Expense (December 31, 2008)
(Dollar figures in thousands) |
| Total interest income | $10,542 |
| Total interest expense | $2,989 |
| Net interest income | $7,553 |
| Provision for loan and lease losses | $4,880 |
| Total noninterest income | $3,250 |
| Fiduciary activities | $1,150 |
| Service charges on deposit accounts | $1,063 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $1,037 |
| Total noninterest expense | $6,863 |
| Salaries and employee benefits | $3,322 |
| Premises and equipment expense | $1,281 |
| Additional noninterest expense | $2,260 |
| Pre-tax net operating income | -$940 |
| Securities gains (losses) | -$1,834 |
| Applicable income taxes | -$1,215 |
| Income before extraordinary items | -$1,559 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | -$1,559 |
| Net charge-offs | $138 |
| Cash dividends | $0 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | -$385 |
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Performance and Condition Ratios (December 31, 2008)
(Dollar figures in thousands) |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.26% |
| Cost of funding earning assets | 1.77% |
| Net interest margin | 4.49% |
| Noninterest income to earning assets | 1.93% |
| Noninterest expense to earning assets | 4.08% |
| Net operating income to assets | -0.20% |
| Return on assets (ROA) | -0.79% |
| Pretax return on assets | -1.41% |
| Return on equity (ROE) | -8.94% |
| Retained earnings to average equity (YTD only) | -8.94% |
| Net charge-offs to loans | 0.13% |
| Credit loss provision to net charge-offs | 3536.23% |
| Efficiency ratio | 61.97% |
| Assets per employee | $2,277 |
| Cash dividends to net income (YTD only) | 0.00% |
| Condition Ratios (%) |
| Loss allowance to loans | 5.28% |
| Loss allowance to noncurrent loans | 61.46% |
| Noncurrent assets plus other real estate owned to assets | 10.58% |
| Noncurrent loans to loans | 8.59% |
| Net loans and leases to deposits | 64.64% |
| Net loans and leases to core deposits | 72.99% |
| Equity capital to assets | 9.93% |
| Core capital (leverage) ratio | 7.59% |
| Tier 1 risk-based capital ratio | 11.91% |
| Total risk-based capital ratio | 13.19% |
| Memoranda |
| Average assets | $196,655 |
| Average earning assets | $168,405 |
| Average equity | $105,907 |
| Average loans | $17,446 |
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Total Fiduciary and Related Assets (December 31, 2008)
(Dollar figures in thousands) |
| Total fiduciary and related assets | $119,712 |
| Number of Fiduciary Accounts and Related Asset Accounts | 388 |
| Fiduciary powers granted | Yes |
| Fiduciary or related activity | Yes |
| Managed Assets | $119,668 |
| Number of Accounts | 380 |
| Personal trust and agency accounts | $98,271 |
| Employee benefit-defined contribution accounts | $4,123 |
| Employee benefit-defined benefit accounts | $0 |
| Other retirement accounts | $3,005 |
| Corporate trust and agency accounts | $36 |
| Investment management agency accounts | $14,233 |
| Other fiduciary accounts | $0 |
| Fiduciary accounts held in foreign offices | $0 |
| Non-managed Assets | $44 |
| Number of Accounts | 8 |
| Personal trust and agency accounts | $44 |
| Employee benefit-defined contribution accounts | $0 |
| Employee benefit-defined benefit accounts | $0 |
| Other retirement accounts | $0 |
| Corporate trust and agency accounts | $0 |
| Other fiduciary accounts | $0 |
| Fiduciary accounts held in foreign offices | $0 |
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Home Mortgage Disclosure Act Aggregated Statistics For Year 2007
(Based on 37 full tracts)
|
| B) Conventional
Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| E) Loans on Dwellings For 5+ Families
| F) Non-occupant Loans on
< 5 Family Dwellings (A B C & D) | G) Loans On Manufactured
Home Dwelling (A B C & D) |
|---|
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
|---|
| LOANS ORIGINATED | 101 | $73,663 | 175 | $52,497 | 26 | $39,154 | 1 | $1,600,000 | 93 | $34,366 | 8 | $26,000 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 3 | $45,000 | 6 | $91,500 | 0 | $0 | 0 | $0 | 1 | $16,000 | 0 | $0 |
| APPLICATIONS DENIED | 6 | $52,667 | 18 | $49,278 | 8 | $43,500 | 0 | $0 | 3 | $28,333 | 1 | $30,000 |
| APPLICATIONS WITHDRAWN | 1 | $120,000 | 2 | $64,000 | 0 | $0 | 0 | $0 | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 0 | $0 | 0 | $0 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2006
(Based on 39 full tracts)
|
| B) Conventional
Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| E) Loans on Dwellings For 5+ Families
| F) Non-occupant Loans on
< 5 Family Dwellings (A B C & D) | G) Loans On Manufactured
Home Dwelling (A B C & D) |
|---|
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
|---|
| LOANS ORIGINATED | 83 | $85,542 | 171 | $50,041 | 39 | $22,385 | 1 | $120,000 | 70 | $37,371 | 2 | $26,500 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 5 | $67,600 | 12 | $108,417 | 0 | $0 | 0 | $0 | 4 | $29,500 | 0 | $0 |
| APPLICATIONS DENIED | 22 | $49,136 | 18 | $53,278 | 7 | $51,143 | 1 | $89,000 | 4 | $42,750 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 10 | $116,900 | 7 | $48,286 | 2 | $49,000 | 0 | $0 | 6 | $121,333 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 0 | $0 | 0 | $0 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2005
(Based on 31 full tracts)
|
| B) Conventional
Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| E) Loans on Dwellings For 5+ Families
| F) Non-occupant Loans on
< 5 Family Dwellings (A B C & D) | G) Loans On Manufactured
Home Dwelling (A B C & D) |
|---|
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
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| LOANS ORIGINATED | 78 | $86,744 | 153 | $67,366 | 17 | $40,529 | 4 | $61,500 | 61 | $58,770 | 6 | $53,167 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 6 | $102,833 | 5 | $101,000 | 1 | $21,000 | 0 | $0 | 1 | $30,000 | 0 | $0 |
| APPLICATIONS DENIED | 16 | $54,313 | 22 | $47,773 | 6 | $19,500 | 0 | $0 | 1 | $28,000 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 5 | $103,200 | 4 | $108,250 | 0 | $0 | 0 | $0 | 1 | $6,000 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 0 | $0 | 0 | $0 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2004
(Based on 33 full tracts)
|
| B) Conventional
Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| E) Loans on Dwellings For 5+ Families
| F) Non-occupant Loans on
< 5 Family Dwellings (A B C & D) | G) Loans On Manufactured
Home Dwelling (A B C & D) |
|---|
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
|---|
| LOANS ORIGINATED | 100 | $65,650 | 200 | $72,590 | 43 | $24,535 | 1 | $63,000 | 109 | $25,780 | 4 | $29,250 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 8 | $72,250 | 1 | $80,000 | 2 | $98,500 | 0 | $0 | 1 | $29,000 | 1 | $75,000 |
| APPLICATIONS DENIED | 24 | $59,042 | 26 | $56,769 | 2 | $15,000 | 0 | $0 | 3 | $33,667 | 2 | $67,500 |
| APPLICATIONS WITHDRAWN | 4 | $52,750 | 1 | $95,000 | 0 | $0 | 0 | $0 | 1 | $30,000 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 0 | $0 | 0 | $0 | 0 | $0 | 0 | $0 |
2007 Conventional Home Purchase Loans
HMDA - Conventional Home Purchase Loans
HMDA - Conventional Home Purchase Loans - Value
HMDA - Refinancings - Value
2007 Home Improvement Loans
HMDA - Home Improvement Loans
HMDA - Home Improvement Loans - Value
HMDA - Loans on Dwellings For 5+ Families
HMDA - Loans on Dwellings For 5+ Families - Value
2007 Non-occupant Loans on < 5 Family Dwellings
HMDA - Non-occupant Loans on < 5 Family Dwellings
HMDA - Non-occupant Loans on < 5 Family Dwellings - Value
2007 Loans On Manufactured Home Dwelling
HMDA - Loans On Manufactured Home Dwelling
HMDA - Loans On Manufactured Home Dwelling - Value
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| 7 Illinois Branches as of 2009-05-14 |
| No | ID | Name | Address | Established | Service Type | Map |
|---|
| 0 | 2325 | The First National Bank Of Danville | 1 Towne Centre, Danville, IL 61832 | 1857-01-01 | Full Service Brick and Mortar |  |
| 1 | 201664 | Fairchild And Gilbert Facility | 901 North Gilbert, Danville, IL 61832 | 1981-03-02 | Full Service Brick and Mortar |  |
| 2 | 201665 | Main And Walnut Facility | Main And Walnut, Danville, IL 61832 | 1983-04-04 | Limited Service Facility | |
| 4 | 2419 | Westville Banking Center | 101 East Main Street, Westville, IL 61883 | 1904-12-05 | Full Service Brick and Mortar | |
| 5 | 361232 | Liberty Village Banking Center Branc | 3220 Independence Drive, Danville, IL 61832 | 2001-08-07 | Limited Service Facility | |
| 8 | 454567 | South Danville Branch | 421 South Gilbert, Danville, IL 61832 | 2005-08-29 | Full Service Brick and Mortar | |
| 9 | 466509 | North Vermilion Office Branch | 2750 North Vermilion, Danville, IL 61832 | 2006-09-29 | Full Service Brick and Mortar | |
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