Vitals
  • Total Assets
    510.3M 5.5 %
  • Total Deposits
    437.3M 6.3 %
  • Total Net Loans
    341.3M 1.4 %
  • Net Income
    5.2M -2.1 %
  • Book Value
    63.2M 1.7 %
  • Book Value x2
    126.4M 1.7 %
  • Book Value x3
    189.5M 1.7 %
ROAA

1.045

ROAE

8.13

Efficiency Ratio

52.699

Net Interest Margin

3.741

Balance Sheet Highlights
Financial Highlights Bank Of Pontiac All Insured Commercial Banks in Illinois
Balance Sheet $(000)
Total Assets 510,263 290,894
Total Net Loans 341,282 191,278
Total Deposits 437,322 246,407
Total Equity 63,181 31,125
Profitability
Net Income 5,203 2,670
Return on Average Assets 1.045 .919
Return on Average Equity 8.13 8.247
Net Interest Margin 3.741 3.499
Efficiency Ratio 52.699 67.9
Noninterest Income/Revenue 13.895 16.598
Balance Sheet Ratios
Loan-to-Deposit 78.039 72.669
Securities/Assets .184 .191
Total Equity/Total Assets .124 .107
Tangible Equity/Tangible Assets .119 .103
Capital Adequacy
Tier 1 Common Capital 64,218 29,670
Tier 1 Capital 64,218 29,720
Tier 2 Capital 3,558 2,112
Total Capital 67,776 31,905
Total Risk Weighted Assets 322,711 212,461
Leverage Ratio 12.61 10.62
Common Equity Tier 1 Capital Ratio 19.9 16.313
Tier 1 Capital Ratio 19.9 16.329
Total Capital Ratio 21 17.341

Timeline for Bank Of Pontiac

Bluestem National Bank

Acquisition: Bank Of Pontiac acquired a new subsidiary, Bluestem National Bank, 11 years

View Profile Jan 01 2013

Bank Of Dwight

Acquisition: Bank Of Pontiac acquired a new subsidiary, Bank Of Dwight, 13 years

View Profile Jul 24 2010

Odell State Bank

Acquisition: Bank Of Pontiac acquired a new subsidiary, Odell State Bank, 23 years

View Profile Jan 15 2001

Pontiac Bancorp, Inc.

Pontiac Bancorp, Inc. became a new parent organization for Bank Of Pontiac.

View Profile Sep 30 1982

Bank Of Pontiac

Bank Of Pontiac was established 76 years ago and is currently headquartered in Pontiac, IL.

Sep 06 1947
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Bluestem National Bank Seller 107,608 Acquisition Discontinued 1/1/2013
Bank Of Dwight Seller 57,612 Pooling of Interests Discontinued 7/24/2010
Odell State Bank Seller 22,991 Pooling of Interests Discontinued 1/15/2001
Relationships Role Relationship Start Relationship End
Pontiac Bancorp, Inc. Parent 9/30/1982
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