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The First National Bank of Dieterich

Overview / Commentary
800-699-9766
101 South Main Street
Dieterich, IL 62424

The First National Bank of Dieterich is headquartered in Dieterich and is the 76th largest bank in the state of Illinois. It is also the 1,261st largest bank in the nation. It was established in 1909 and as of December of 2013, it had grown to 99 employees at 8 locations. The First National Bank of Dieterich's money market rates are 25% higher than the national average, and it has a A health rating.

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Top Reward Checking Account at The First National Bank of Dieterich in IL - Local Only - 5/31/2013

I first reported on the reward checking account at The First National Bank of Dieterich in 2010. It’s called Prime Rewards Checking, and after over three years, the bank is still offering this same ac ...



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Health

Data for Q4 2013

Institution Health

A

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 The First National Bank of Dieterich had $3.8 million in non-current loans and owned real-estate with $54.04 million in equity and loan loss allowances on hand to cover it. This gives The First National Bank of Dieterich a Texas Ratio of 7.03% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for The First National Bank of Dieterich experienced no significant changes from 6.16% as of December 31, 2012 to 7.03% as of December 31, 2013, resulting in a negative change of 14.04%. This indicates that the balance sheet and financial strength for The First National Bank of Dieterich has had no significant changes in recent periods.

Deposit Growth

GRADE:
B+

In the past year, The First National Bank of Dieterich has increased its total deposits by $6.7 million, resulting in 1.46% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth The First National Bank of Dieterich has shown is above average.

Capitalization

GRADE:
B+

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. The First National Bank of Dieterich has $531.75 million in assets with $54.04 million in equity, resulting in a capitalization level of 10.16%, which is above average.

Institution Statistics

Overall
FDIC Certificate #3787
Year Established1909
Employees99
Primary RegulatorOCC
Assets and Liabilities
Assets$531.75 million
Loans$309.96 million
Deposits$467.16 million
Equity Capital$50.61 million
Loan Loss Allowance$3.43 million
Unbacked Noncurrent Loans$2.95 million
Real Estate Owned$850,000
Historic Data - December 2012
Assets$519.82 million
Equity Capital$50.82 million
Loan Loss Allowance$3.01 million
Unbacked Noncurrent Loans$2.95 million
Real Estate Owned$731,000
Profit Margin - Quarterly
Net Interest Margin2.87%
Return on Assets0.88%
Return on Equity9.2%
Interest Income$18.16 million
Rates

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The First National Bank of Dieterich Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.60%-$3kChristmas Club Account
0.50%$10k-Health Savings Account
0.45%$100k-Savings
0.45%--IRA Savings
0.45%--Roth IRA Savings

The First National Bank of Dieterich Money Market Rates

DetailsAPYMINMAXPRODUCT
0.55%$500k-Money Market Plus Account

The First National Bank of Dieterich Checking Account Rates

DetailsAPYMINMAXPRODUCT
2.31%-$25kPrime Rewards Checking
0.30%$2,500-Dream Team Checking
0.15%$1k-NOW Account
0.10%--Prime Rewards Checking

The First National Bank of Dieterich CD Rates

DetailsAPYMINMAXPRODUCT
1.56%$500-60 Month CD
1.35%$500-48 Month CD
1.05%$500-36 Month CD
0.80%$500-24 Month CD
0.55%$500-12 Month CD
0.35%$1k-6 Month CD
0.25%$2,500-3 Month CD
0.15%$10k-7 - 31 Day CD
Locations


The First National Bank of Dieterich Locations
The First National Bank Of Dieterich101 South Main StreetDieterich, IL 62424
Lake Sara Branch10911 East State Hwy 33Effingham, IL 62401
First National Branch - Messenger Service1101 South Main StreetDieterich, IL 62424
Newton Branch1108 South Van BurenNewton, IL 62448
Red Bud Branch115 West Market StreetRed Bud, IL 62278
National Trail Banking Center Branch1510 E. Fayette Ave.Effingham, IL 62401
Belleville Branch2100 South Illinois StreetBelleville, IL 62220
Effingham Branch510 West Fayette AvenueEffingham, IL 62401