Board of Governors of the Federal Reserve System

Federal Deposit Insurance Corporation
Office of the Comptroller of the Currency

Federal Financial Institutions Examination Council
1

Consolidated Reports of Condition and Income for A Bank With
Domestic Offices Only - FFIEC 041
Institution Name

FIRST NATIONAL BANK OF DANVILLE

City

DANVILLE

State

IL

Zip Code

61832

Call Report Quarter End Date

3/31/2009

Report Type

041

RSSD-ID

700337

FDIC Certificate Number

3644

OCC Charter Number

113

ABA Routing Number

71100858

Last updated on

5/13/2009

Board of Governors of the Federal Reserve System, Federal Deposit Insurance Corporation, Office of the Comptroller of the Currency
Legend: NR - Not Reported, CONF - Confidential

FIRST NATIONAL BANK OF DANVILLE
RSSD-ID 700337
Last Updated on 5/13/2009

FFIEC 041
Quarter End Date 3/31/2009
2

Bank Demographic Information
Dollar amounts in thousands

1. Reporting date....................................................................................................................
2. FDIC certificate number.....................................................................................................
3. Legal title of bank...............................................................................................................
4. City.....................................................................................................................................
5. State abbreviation...............................................................................................................
6. Zip code..............................................................................................................................

20090331 1.
3644 2.

RCON9999
RSSD9050
RSSD9017

Click here for
value

3.

RSSD9130

DANVILLE

4.

RSSD9200

IL

RSSD9220

5.

61834 6.

(RSSD9017) FIRST NATIONAL BANK OF DANVILLE

Contact Information
Dollar amounts in thousands

1. Contact Information for the Reports of Condition and Income
a. Chief Financial Officer (or Equivalent) Signing the Reports
1. Name.......................................................................................................................
2. Title..........................................................................................................................
3. E-mail Address........................................................................................................
4. Telephone................................................................................................................
5. FAX.........................................................................................................................
b. Other Person to Whom Questions about the Reports Should be Directed
1. Name.......................................................................................................................
2. Title..........................................................................................................................
3. E-mail Address........................................................................................................
4. Telephone................................................................................................................
5. FAX.........................................................................................................................
2. Person to whom questions about Schedule RC-T - Fiduciary and Related Services should
be directed
a. Name and Title..............................................................................................................
b. E-mail Address..............................................................................................................
c. Telephone......................................................................................................................
d. FAX...............................................................................................................................
3. Emergency Contact Information
a. Primary Contact
1. Name.......................................................................................................................
2. Title..........................................................................................................................
3. E-mail Address........................................................................................................
4. Telephone................................................................................................................
5. FAX.........................................................................................................................
b. Secondary Contact
1. Name.......................................................................................................................
2. Title..........................................................................................................................
3. E-mail Address........................................................................................................
4. Telephone................................................................................................................
5. FAX.........................................................................................................................
4. USA PATRIOT Act Section 314(a) Anti-Money Laundering Contact Information
a. Primary Contact
1. Name.......................................................................................................................
2. Title..........................................................................................................................
3. E-mail Address........................................................................................................

1.
1.a.

TEXTC490
TEXTC491

CONF 1.a.1.
CONF 1.a.2.

TEXTC493

CONF 1.a.3.
CONF 1.a.4.

TEXTC494

CONF 1.a.5.

TEXTC495

CONF 1.b.1.
CONF 1.b.2.

TEXTC492

1.b.

TEXTC496

TEXT8902

CONF 1.b.3.
CONF 1.b.4.

TEXT9116

CONF 1.b.5.

TEXTB962

CONF 2.a.
CONF 2.b.

TEXT4086

2.

TEXTB926
TEXTB963
TEXTB964

CONF 2.c.
CONF 2.d.
3.
3.a.

TEXTC366
TEXTC367

CONF 3.a.1.
CONF 3.a.2.

TEXTC369

CONF 3.a.3.
CONF 3.a.4.

TEXTC370

CONF 3.a.5.

TEXTC371

CONF 3.b.1.
CONF 3.b.2.

TEXTC368

3.b.

TEXTC372

TEXTC374

CONF 3.b.3.
CONF 3.b.4.

TEXTC375

CONF 3.b.5.

TEXTC373

4.
4.a.

TEXTC438

CONF 4.a.1.
CONF 4.a.2.

TEXTC439

CONF 4.a.3.

TEXTC437

FIRST NATIONAL BANK OF DANVILLE
RSSD-ID 700337
Last Updated on 5/13/2009

FFIEC 041
Quarter End Date 3/31/2009
3

Dollar amounts in thousands

4. Telephone................................................................................................................
b. Secondary Contact
1. Name.......................................................................................................................
2. Title..........................................................................................................................
3. E-mail Address........................................................................................................
4. Telephone................................................................................................................
c. Third Contact
1. Name.......................................................................................................................
2. Title..........................................................................................................................
3. E-mail Address........................................................................................................
4. Telephone................................................................................................................
d. Fourth Contact
1. Name.......................................................................................................................
2. Title..........................................................................................................................
3. E-mail Address........................................................................................................
4. Telephone................................................................................................................

TEXTC440

CONF 4.a.4.

TEXTC442

CONF 4.b.1.
CONF 4.b.2.

4.b.

TEXTC443
TEXTC444
TEXTC445

CONF 4.b.3.
CONF 4.b.4.
4.c.

TEXTC870
TEXTC871
TEXTC872
TEXTC873

CONF 4.c.1.
CONF 4.c.2.
CONF 4.c.3.
CONF 4.c.4.
4.d.

TEXTC875
TEXTC876
TEXTC877
TEXTC878

CONF 4.d.1.
CONF 4.d.2.
CONF 4.d.3.
CONF 4.d.4.

Optional Narrative Statement Concerning the Amounts Reported in the Reports of
Condition and Income
Dollar amounts in thousands

1. Comments?........................................................................................................................
2. Bank Management Statement............................................................................................

RCON6979
TEXT6980

No 1.
NR 2.

Schedule RI - Income Statement
Dollar amounts in thousands

1. Interest income:
a. Interest and fee income on loans:
1. Loans secured by real estate:
a. Loans secured by 1-4 family residential properties...........................................
b. All other loans secured by real estate................................................................
2. Commercial and industrial loans.......................................................................
3. Loans to individuals for household, family, and other personal expenditures:
a. Credit cards.......................................................................................................
b. Other (includes single payment, installment, all student loans, and revolving
credit plans other than credit cards)......................................................................
4. Loans to foreign governments and official institutions.............................................
5. All other loans.........................................................................................................
6. Total interest and fee income on loans....................................................................
b. Income from lease financing receivables......................................................................
c. Interest income on balances due from depository institutions......................................
d. Interest and dividend income on securities:
1. U.S. Treasury securities and U.S. Government agency obligations (excluding
mortgage-backed securities).......................................................................................
2. Mortgage-backed securities....................................................................................
3. All other securities (includes securities issued by states and political subdivisions
in the U.S.)..................................................................................................................
e. Interest income from trading assets..............................................................................
f. Interest income on federal funds sold and securities purchased under agreements to
resell.................................................................................................................................

1.
1.a.
1.a.1.

RIAD4436

732 1.a.1.a.
419 1.a.1.b.

RIAD4012

217 1.a.2.

RIAD4435

1.a.3.

RIADB485

0 1.a.3.a.

RIADB486

66

RIAD4056

0 1.a.4.
68 1.a.5.

1.a.3.b.

RIAD4058
RIAD4010
RIAD4065
RIAD4115

1,502 1.a.6.
0 1.b.
2 1.c.
1.d.

RIADB488

91
1.d.1.

RIADB489
RIAD4060

136 1.d.2.
98
1.d.3.

RIAD4069

0 1.e.

RIAD4020

0
1.f.

FIRST NATIONAL BANK OF DANVILLE
RSSD-ID 700337
Last Updated on 5/13/2009

FFIEC 041
Quarter End Date 3/31/2009
4

Dollar amounts in thousands

g. Other interest income...................................................................................................
h. Total interest income.....................................................................................................
2. Interest expense:
a. Interest on deposits:
1. Transaction accounts (NOW accounts, ATS accounts, and telephone and
preauthorized transfer accounts)................................................................................
2. Nontransaction accounts:
a. Savings deposits (includes MMDAs).................................................................
b. Time deposits of $100,000 or more...................................................................
c. Time deposits of less than $100,000.................................................................
b. Expense of federal funds purchased and securities sold under agreements to
repurchase........................................................................................................................
c. Interest on trading liabilities and other borrowed money...............................................
d. Interest on subordinated notes and debentures...........................................................
e. Total interest expense ..................................................................................................
3. Net interest income.............................................................................................................
4. Provision for loan and lease losses....................................................................................
5. Noninterest income:
a. Income from fiduciary activities ....................................................................................
b. Service charges on deposit accounts...........................................................................
c. Trading revenue.............................................................................................................
d. Not available
1. Fees and commissions from securities brokerage..................................................
2. Investment banking, advisory, and underwriting fees and commissions.................
3. Fees and commissions from annuity sales.............................................................
4. Underwriting income from insurance and reinsurance activities.............................
5. Income from other insurance activities....................................................................
e. Venture capital revenue.................................................................................................
f. Net servicing fees..........................................................................................................
g. Net securitization income..............................................................................................
h. Not applicable
i. Net gains (losses) on sales of loans and leases............................................................
j. Net gains (losses) on sales of other real estate owned.................................................
k. Net gains (losses) on sales of other assets (excluding securities)................................
l. Other noninterest income...............................................................................................
m. Total noninterest income..............................................................................................
6. Not available
a. Realized gains (losses) on held-to-maturity securities.................................................
b. Realized gains (losses) on available-for-sale securities................................................
7. Noninterest expense:
a. Salaries and employee benefits....................................................................................
b. Expenses of premises and fixed assets (net of rental income) (excluding salaries and
employee benefits and mortgage interest).......................................................................
c. Not available
1. Goodwill impairment losses....................................................................................
2. Amortization expense and impairment losses for other intangible assets..............
d. Other noninterest expense............................................................................................
e. Total noninterest expense.............................................................................................
8. Income (loss) before income taxes and extraordinary items and other adjustments..........
9. Applicable income taxes (on item 8)...................................................................................
10. Income (loss) before extraordinary items and other adjustments.....................................

RIAD4518

0 1.g.

RIAD4107

1,829 1.h.
2.
2.a.

RIAD4508

4
2.a.1.
2.a.2.

RIADA517

50 2.a.2.a.
83 2.a.2.b.

RIADA518

210 2.a.2.c.

RIAD0093

RIAD4180

21
2.b.

RIAD4185
RIAD4200
RIAD4073
RIAD4074
RIAD4230

0 2.c.
0 2.d.
368 2.e.
1,461 3.
100 4.
5.

RIAD4080

221 5.a.
223 5.b.

RIADA220

0 5.c.

RIADC886

3 5.d.1.
0 5.d.2.

RIAD4070

5.d.

RIADC888
RIADC887
RIADC386
RIADC387
RIADB491
RIADB492
RIADB493

0 5.d.3.
0 5.d.4.
0 5.d.5.
0 5.e.
91 5.f.
0 5.g.
5.h.

RIAD5416
RIAD5415

113 5.i.
-5 5.j.

RIADB496

-3 5.k.

RIADB497

122 5.l.
765 5.m.

RIAD4079

6.

RIAD3196

0 6.a.
-7,850 6.b.

RIAD4135

742 7.a.

RIAD4217

311

RIAD3521

7.

7.b.
7.c.

RIADC216
RIADC232

0 7.c.1.
42 7.c.2.

RIAD4092

599 7.d.

RIAD4093

1,694 7.e.
-7,418 8.

RIAD4301
RIAD4302
RIAD4300

17 9.
-7,435 10.

FIRST NATIONAL BANK OF DANVILLE
RSSD-ID 700337
Last Updated on 5/13/2009

FFIEC 041
Quarter End Date 3/31/2009
5

Dollar amounts in thousands

11. Extraordinary items and other adjustments, net of income taxes.....................................
12. Net income (loss) attributable to bank and noncontrolling (minority) interests (sum of
items 10 and 11).....................................................................................................................
13. LESS: Net income (loss) attributable to noncontrolling (minority) interests (if net income,
report as a positive value; if net loss, report as a negative value)..........................................
14. Net income (loss) attributable to bank (item 12 minus item 13).......................................
1. Interest expense incurred to carry tax-exempt securities, loans, and leases acquired after
August 7, 1986, that is not deductible for federal income tax purposes.................................
2. Income from the sale and servicing of mutual funds and annuities (included in Schedule
RI, item 8)...............................................................................................................................
3. Income on tax-exempt loans and leases to states and political subdivisions in the U.S.
(included in Schedule RI, items 1.a and 1.b)..........................................................................
4. Income on tax-exempt securities issued by states and political subdivisions in the U.S.
(included in Schedule RI, item 1.d.(3))...................................................................................
5. Number of full-time equivalent employees at end of current period...................................
6. Interest and fee income on loans to finance agricultural production and other loans to
farmers (included in Schedule RI, item 1.a.(5))......................................................................
7. If the reporting bank has restated its balance sheet as a result of applying push down
accounting this calendar year, report the date of the bank's acquisition................................
8. Trading revenue (from cash instruments and derivative instruments):
a. Interest rate exposures.................................................................................................
b. Foreign exchange exposures........................................................................................
c. Equity security and index exposures.............................................................................
d. Commodity and other exposures..................................................................................
e. Credit exposures...........................................................................................................
9. Net gains (losses) recognized in earnings on credit derivatives that economically hedge
credit exposures held outside the trading account:
a. Net gains (losses) on credit derivatives held for trading...............................................
b. Net gains (losses) on credit derivatives held for purposes other than trading..............
10. Credit losses on derivatives..............................................................................................
11. Does the reporting bank have a Subchapter S election in effect for federal income tax
purposes for the current tax year?.........................................................................................
12. Noncash income from negative amortization on closed-end loans secured by 1-4 family
residential properties (included in Schedule RI, item 1.a.(1)(a))............................................
13. Net gains (losses) recognized in earnings on assets and liabilities that are reported at
fair value under a fair value option:
a. Net gains (losses) on assets.........................................................................................
1. Estimated net gains (losses) on loans attributable to changes in instrument-specific
credit risk.....................................................................................................................
b. Net gains (losses) on liabilities......................................................................................
1. Estimated net gains (losses) on liabilities attributable to changes in
instrument-specific credit risk.....................................................................................

RIAD4320
RIADG104

0 11.
-7,435
12.

RIADG103

0
13.

RIAD4340
RIAD4513

-7,435 14.
0
M.1.

RIAD8431

NR
M.2.

RIAD4313

5
M.3.

RIAD4507

46

RIAD4150

75 M.5.

M.4.

RIAD4024

NR
M.6.

RIAD9106

0
M.7.
M.8.

RIAD8757
RIAD8758

NR M.8.a.
NR M.8.b.

RIAD8760

NR M.8.c.
NR M.8.d.

RIADF186

NR M.8.e.

RIADC889
RIADC890

0 M.9.a.
0 M.9.b.

RIADA251

NR M.10.

RIADA530

No

RIAD8759

M.9.

M.11.

RIADF228

NR
M.12.
M.13.

RIADF551

-199 M.13.a.

RIADF552

0

RIADF553

0 M.13.b.

RIADF554

0

M.13.a.1.

M.13.b.1.

Schedule RI-A - Changes in Bank Equity Capital
Dollar amounts in thousands

1. Total bank equity capital most recently reported for the December 31, 2008, Reports of
Condition and Income (i.e., after adjustments from amended Reports of Income)................
2. Restatements due to corrections of material accounting errors and changes in accounting
principles................................................................................................................................
3. Balance end of previous calendar year as restated............................................................
4. Net income (loss) attributable to bank (must equal Schedule RI, item 14).........................
5. Sale, conversion, acquisition, or retirement of capital stock, net (excluding treasury stock
transactions)...........................................................................................................................

RIAD3217

13,596
1.

RIADB507

0
2.

RIADB508
RIAD4340
RIADB509

13,596 3.
-7,435 4.
0
5.

FIRST NATIONAL BANK OF DANVILLE
RSSD-ID 700337
Last Updated on 5/13/2009

FFIEC 041
Quarter End Date 3/31/2009
6

Dollar amounts in thousands

6. Treasury stock transactions, net.........................................................................................
7. Changes incident to business combinations, net...............................................................
8. Cash dividends declared on preferred stock......................................................................
9. Cash dividends declared on common stock.......................................................................
10. Other comprehensive income...........................................................................................
11. Other transactions with parent holding company (not included in items 5, 6, 8, or 9
above)....................................................................................................................................
12. Total bank equity capital end of current period (sum of items 3 through 11) (must equal
Schedule RC, item 27.a)........................................................................................................

RIADB510
RIAD4356
RIAD4470
RIAD4460

0 6.
0 7.
0 8.
0 9.

RIADB511

2,774 10.

RIAD4415

0
11.

RIAD3210

8,935
12.

Schedule RI-B Part I - Charge-offs and Recoveries on Loans and Leases
Dollar amounts in thousands

1. Loans secured by real estate:
a. Construction, land development, and other land loans:
1. 1-4 family residential construction loans....................................
2. Other construction loans and all land development and other
land loans......................................................................................
b. Secured by farmland.......................................................................
c. Secured by 1-4 family residential properties:
1. Revolving, open-end loans secured by 1-4 family residential
properties and extended under lines of credit...............................
2. Closed-end loans secured by 1-4 family residential properties:
a. Secured by first liens............................................................
b. Secured by junior liens.........................................................
d. Secured by multifamily (5 or more) residential properties...............
e. Secured by nonfarm nonresidential properties:
1. Loans secured by owner-occupied nonfarm nonresidential
properties......................................................................................
2. Loans secured by other nonfarm nonresidential properties.......
2. Loans to depository institutions and acceptances of other banks.........
3. Not applicable
4. Commercial and industrial loans...........................................................
5. Loans to individuals for household, family, and other personal
expenditures:
a. Credit cards.....................................................................................
b. Other (includes single payment, installment, all student loans, and
revolving credit plans other than credit cards).....................................
6. Loans to foreign governments and official institutions..........................
7. All other loans.......................................................................................
8. Lease financing receivables..................................................................
9. Total.......................................................................................................
1. Loans to finance commercial real estate, construction, and land
development activities (not secured by real estate) included in Schedule
RI-B, part I, items 4 and 7, above.............................................................
2. Not available
a. Loans secured by real estate to non-U.S. addressees (domicile)
(included in Schedule RI-B, part I, item 1, above)...............................
b. Loans to and acceptances of foreign banks (included in Schedule
RI-B, part I, item 2, above)..................................................................
c. Commercial and industrial loans to non-U.S. addressees (domicile)
(included in Schedule RI-B, part I, item 4, above)...............................

(Column A) Charge-offs (Column B) Recoveries
Calendar year-to-date
Calendar year-to-date
1.
1.a.

RIADC891

0 RIADC892

0 1.a.1.

RIADC893

0 RIADC894

0

RIAD3584

0

0 1.b.

1.a.2.

RIAD3585

1.c.

RIAD5411

0

RIAD5412

0
1.c.1.
1.c.2.

RIADC234

12 RIADC217

RIADC235

33 RIADC218

RIAD3588

0

RIAD3589

1 1.c.2.a.
2 1.c.2.b.
0 1.d.
1.e.

RIADC895

0 RIADC896

0

RIADC897

0 RIADC898

RIAD4481

0

RIAD4482

0 1.e.2.
0 2.

RIAD4638

0

RIAD4608

0 4.

RIADB514

0 RIADB515

0 5.a.

RIADB516

8 RIADB517

2

RIAD4643

0

RIAD4627

RIAD4644

0

RIAD4628

0 6.
0 7.

RIAD4266

0

RIAD4267

RIAD4635

53

RIAD4605

0 8.
5 9.

RIAD5409

0

RIAD5410

0

1.e.1.

3.

5.

5.b.

M.1.
M.2.

RIAD4652

NR

RIAD4662

NR
M.2.a.

RIAD4654

NR

RIAD4664

NR
M.2.b.

RIAD4646

NR

RIAD4618

NR
M.2.c.

FIRST NATIONAL BANK OF DANVILLE
RSSD-ID 700337
Last Updated on 5/13/2009

FFIEC 041
Quarter End Date 3/31/2009
7

Dollar amounts in thousands

d. Leases to individuals for household, family, and other personal
expenditures (included in Schedule RI-B, part I, item 8, above).........
3. Loans to finance agricultural production and other loans to farmers
(included in Schedule RI-B, part I, item 7, above)....................................

(Column A) Charge-offs (Column B) Recoveries
Calendar year-to-date
Calendar year-to-date
RIADF185

NR RIADF187

NR
M.2.d.

RIAD4655

NR

RIAD4665

NR
M.3.

Schedule RI-B Part I - Charge-offs and Recoveries on Loans and Leases
Dollar amounts in thousands

4. Uncollectible retail credit card fees and finance charges reversed against income (i.e.,
not included in charge-offs against the allowance for loan and lease losses)........................

RIADC388

NR
M.4.

Schedule RI-B Part II - Changes in Allowance for Loan and Lease Losses
Dollar amounts in thousands

1. Balance most recently reported for the December 31, 2008, Reports of Condition and
Income (i.e., after adjustments from amended Reports of Income).......................................
2. Recoveries .........................................................................................................................
3. Charge-offs.........................................................................................................................
4. Write-downs arising from transfers of loans to a held-for-sale account..............................
5. Provision for loan and lease losses....................................................................................
6. Adjustments........................................................................................................................
7. Balance end of current period............................................................................................
1. Allocated transfer risk reserve included in Schedule RI-B, part II, item 7, above ..............
2. Separate valuation allowance for uncollectible retail credit card fees and finance charges.
3. Amount of allowance for loan and lease losses attributable to retail credit card fees and
finance charges......................................................................................................................
4. Amount of allowance for post-acquisition losses on purchased impaired loans accounted
for in accordance with AICPA Statement of Position 03-3 (included in Schedule RI-B, part
II, item 7, above).....................................................................................................................

RIADB522

5,389
1.

RIAD4605
RIADC079

5 2.
53 3.

RIAD5523

0 4.

RIAD4230

100 5.
0 6.

RIADC233

RIADC435

5,441 7.
0 M.1.

RIADC389

NR M.2.

RIADC390

NR

RIAD3123

M.3.

RIADC781

0
M.4.

Schedule RI-E - Explanations
Dollar amounts in thousands

1. Other noninterest income (from Schedule RI, item 5.l) Itemize and describe amounts
greater than $25,000 that exceed 3% of Schedule RI, item 5.l:
a. Income and fees from the printing and sale of checks..................................................
b. Earnings on/increase in value of cash surrender value of life insurance......................
c. Income and fees from automated teller machines (ATMs)............................................
d. Rent and other income from other real estate owned...................................................
e. Safe deposit box rent....................................................................................................
f. Net change in the fair values of financial instruments accounted for under a fair value
option................................................................................................................................
g. Bank card and credit card interchange fees.................................................................
h. Disclose component and the dollar amount of that component:
1. Describe component...............................................................................................
2. Amount of component.............................................................................................
i. Disclose component and the dollar amount of that component:
1. Describe component...............................................................................................
2. Amount of component.............................................................................................
j. Disclose component and the dollar amount of that component:
1. Describe component...............................................................................................
2. Amount of component.............................................................................................

1.

RIADC013
RIADC014

19 1.a.
56 1.b.

RIAD4042

16 1.c.
0 1.d.

RIADC015

19 1.e.

RIADC016

RIADF229

0

RIADF555

3 1.g.

TEXT4461

NR 1.h.1.
0 1.h.2.

1.f.

1.h.

RIAD4461

1.i.

TEXT4462
RIAD4462

NR 1.i.1.
0 1.i.2.
1.j.

TEXT4463
RIAD4463

NR 1.j.1.
0 1.j.2.

FIRST NATIONAL BANK OF DANVILLE
RSSD-ID 700337
Last Updated on 5/13/2009

FFIEC 041
Quarter End Date 3/31/2009
8

Dollar amounts in thousands

2. Other noninterest expense (from Schedule RI, item 7.d) Itemize and describe amounts
greater than $25,000 that exceed 3% of Schedule RI, item 7.d:
a. Data processing expenses............................................................................................
b. Advertising and marketing expenses............................................................................
c. Directors' fees...............................................................................................................
d. Printing, stationery, and supplies..................................................................................
e. Postage.........................................................................................................................
f. Legal fees and expenses...............................................................................................
g. FDIC deposit insurance assessments..........................................................................
h. Accounting and auditing expenses...............................................................................
i. Consulting and advisory expenses................................................................................
j. Automated teller machine (ATM) and interchange expenses.........................................
k. Telecommunications expenses.....................................................................................
l. Disclose component and the dollar amount of that component:
1. Describe component...............................................................................................
2. Amount of component.............................................................................................
m. Disclose component and the dollar amount of that component:
1. Describe component...............................................................................................
2. Amount of component.............................................................................................
n. Disclose component and the dollar amount of that component:
1. Describe component...............................................................................................
2. Amount of component.............................................................................................
3. Extraordinary items and other adjustments and applicable income tax effect (from Schedule
RI, item 11):
a. Disclose component, the gross dollar amount of that component, and its related income
tax:
1. Describe component...............................................................................................
2. Amount of component.............................................................................................
3. Applicable income tax effect....................................................................................
b. Disclose component, the gross dollar amount of that component, and its related income
tax:
1. Describe component...............................................................................................
2. Amount of component.............................................................................................
3. Applicable income tax effect....................................................................................
c. Disclose component, the gross dollar amount of that component, and its related income
tax:
1. Describe component...............................................................................................
2. Amount of component.............................................................................................
3. Applicable income tax effect....................................................................................
4. Restatements due to corrections of material accounting errors and changes in accounting
principles (from Schedule RI-A, item 2):
a. Disclose component and the dollar amount of that component:
1. Describe component...............................................................................................
2. Amount of component.............................................................................................
b. Disclose component and the dollar amount of that component:
1. Describe component...............................................................................................
2. Amount of component.............................................................................................
5. Other transactions with parent holding company (from Schedule RI-A, item 11):
a. Disclose component and the dollar amount of that component:
1. Describe component...............................................................................................

2.

87 2.a.
13 2.b.

RIADC017
RIAD0497
RIAD4136

6 2.c.

RIADC018

28 2.d.
24 2.e.

RIAD8403

77 2.f.
15 2.g.

RIAD4141
RIAD4146

39 2.h.
106 2.i.

RIADF556
RIADF557

42 2.j.
19 2.k.

RIADF558
RIADF559

2.l.

TEXT4464
RIAD4464

Data Processing
- Other
2.l.1.
37 2.l.2.
2.m.

TEXT4467

Click here for
value

2.m.1.

RIAD4467

42 2.m.2.

TEXT4468

NR 2.n.1.
0 2.n.2.

2.n.

RIAD4468

3.
3.a.

RIAD4469

NR 3.a.1.
0 3.a.2.

RIAD4486

0 3.a.3.

TEXT4487
RIAD4487

NR 3.b.1.
0 3.b.2.

RIAD4488

0 3.b.3.

TEXT4489
RIAD4489

NR 3.c.1.
0 3.c.2.

RIAD4491

0 3.c.3.

TEXT4469

3.b.

3.c.

4.
4.a.

TEXTB526
RIADB526

NR 4.a.1.
0 4.a.2.
4.b.

TEXTB527
RIADB527

NR 4.b.1.
0 4.b.2.
5.
5.a.

TEXT4498

NR 5.a.1.

FIRST NATIONAL BANK OF DANVILLE
RSSD-ID 700337
Last Updated on 5/13/2009

FFIEC 041
Quarter End Date 3/31/2009
9

Dollar amounts in thousands

2. Amount of component.............................................................................................
b. Disclose component and the dollar amount of that component:
1. Describe component...............................................................................................
2. Amount of component.............................................................................................
6. Adjustments to allowance for loan and lease losses (from Schedule RI-B, part II, item 6):
a. Disclose component and the dollar amount of that component:
1. Describe component...............................................................................................
2. Amount of component.............................................................................................
b. Disclose component and the dollar amount of that component:
1. Describe component...............................................................................................
2. Amount of component.............................................................................................
7. Other explanations:
a. Comments?..................................................................................................................
b. Other explanations........................................................................................................

RIAD4498

0 5.a.2.

TEXT4499

NR 5.b.1.
0 5.b.2.

5.b.

RIAD4499

6.
6.a.

TEXT4521
RIAD4521

NR 6.a.1.
0 6.a.2.
6.b.

TEXT4522
RIAD4522

NR 6.b.1.
0 6.b.2.
7.

RIAD4769
TEXT4769

No 7.a.
NR 7.b.

(TEXT4467) Amortization of Valuation Reserves

Schedule RC - Balance Sheet
Dollar amounts in thousands

1. Cash and balances due from depository institutions (from Schedule RC-A):
a. Noninterest-bearing balances and currency and coin..................................................
b. Interest-bearing balances.............................................................................................
2. Securities:
a. Held-to-maturity securities (from Schedule RC-B, column A).......................................
b. Available-for-sale securities (from Schedule RC-B, column D).....................................
3. Federal funds sold and securities purchased under agreements to resell:
a. Federal funds sold........................................................................................................
b. Securities purchased under agreements to resell.........................................................
4. Loans and lease financing receivables (from Schedule RC-C):
a. Loans and leases held for sale.....................................................................................
b. Loans and leases, net of unearned income..................................................................
c. Allowance for loan and lease losses.............................................................................
d. Loans and leases, net of unearned income and allowance..........................................
5. Trading assets (from Schedule RC-D)................................................................................
6. Premises and fixed assets (including capitalized leases)...................................................
7. Other real estate owned (from Schedule RC-M)................................................................
8. Investments in unconsolidated subsidiaries and associated companies (from Schedule
RC-M).....................................................................................................................................
9. Not applicable
10. Intangible assets:
a. Goodwill........................................................................................................................
b. Other intangible assets (from Schedule RC-M)............................................................
11. Other assets (from Schedule RC-F).................................................................................
12. Total assets.......................................................................................................................
13. Deposits:
a. In domestic offices........................................................................................................
1. Noninterest-bearing.................................................................................................
2. Interest-bearing.......................................................................................................
b. Not applicable
14. Federal funds purchased and securities sold under agreements to repurchase:

1.

RCON0081
RCON0071

3,205 1.a.
7,594 1.b.
2.

RCON1754
RCON1773

0 2.a.
36,925 2.b.
3.

RCONB987
RCONB989

0 3.a.
0 3.b.
4.

RCON5369
RCONB528
RCON3123
RCONB529

0 4.a.
98,146 4.b.
5,441 4.c.
92,705 4.d.

RCON3545

0 5.

RCON2145

5,497 6.
2,055 7.

RCON2150
RCON2130

0
8.
9.
10.

RCON3163
RCON0426

3,327 10.a.
424 10.b.

RCON2160

12,992 11.

RCON2170

164,724 12.

RCON2200
RCON6631

144,869 13.a.
9,591 13.a.1.

RCON6636

135,278 13.a.2.

13.

13.b.
14.

FIRST NATIONAL BANK OF DANVILLE
RSSD-ID 700337
Last Updated on 5/13/2009

FFIEC 041
Quarter End Date 3/31/2009
10

Dollar amounts in thousands

a. Federal funds purchased..............................................................................................
b. Securities sold under agreements to repurchase.........................................................
15. Trading liabilities (from Schedule RC-D)...........................................................................
16. Other borrowed money (includes mortgage indebtedness and obligations under capitalized
leases) (from Schedule RC-M)...............................................................................................
17. Not applicable
18. Not applicable
19. Subordinated notes and debentures................................................................................
20. Other liabilities (from Schedule RC-G).............................................................................
21. Total liabilities....................................................................................................................
22. Not applicable
23. Perpetual preferred stock and related surplus..................................................................
24. Common stock..................................................................................................................
25. Surplus (exclude all surplus related to preferred stock)...................................................
26. Not available
a. Retained earnings.........................................................................................................
b. Accumulated other comprehensive income..................................................................
c. Other equity capital components..................................................................................
27. Not available
a. Total bank equity capital (sum of items 23 through 26.c)..............................................
b. Noncontrollng (minority) interests in consolidated subsidiaries....................................
28. Total equity capital (sum of items 27.a and 27.b).............................................................
29. Total liabilities and equity capital (sum of items 21 and 28)..............................................
1. Indicate in the box at the right the number of the statement below that best describes the
most comprehensive level of auditing work performed for the bank by independent external
auditors as of any date during 2008.......................................................................................
2. Bank's fiscal year-end date.................................................................................................

RCONB993

0 14.a.

RCONB995
RCON3548

9,530 14.b.
0 15.

RCON3190

0
16.
17.
18.

RCON2930

0 19.
1,390 20.

RCON2948

155,789 21.

RCON3838
RCON3230

0 23.
2,850 24.

RCON3839

14,237 25.

RCON3632
RCONB530

-8,289 26.a.
137 26.b.

RCONA130

0 26.c.

RCON3210

8,935 27.a.
0 27.b.

RCON3200

22.

26.

27.

RCON3000
RCONG105

8,935 28.

RCON3300

164,724 29.
2

RCON6724

M.1.

RCON8678

1231

M.2.

Schedule RC-A - Cash and Balances Due From Depository Institutions
Dollar amounts in thousands

1. Cash items in process of collection, unposted debits, and currency and coin:
a. Cash items in process of collection and unposted debits.............................................
b. Currency and coin.........................................................................................................
2. Balances due from depository institutions in the U.S:
a. U.S. branches and agencies of foreign banks...............................................................
b. Other commercial banks in the U.S. and other depository institutions in the U.S.........
3. Balances due from banks in foreign countries and foreign central banks:
a. Foreign branches of other U.S. banks...........................................................................
b. Other banks in foreign countries and foreign central banks..........................................
4. Balances due from Federal Reserve Banks.......................................................................
5. Total....................................................................................................................................

1.

RCON0020
RCON0080

9 1.a.
1,150 1.b.
2.

RCON0083
RCON0085

0 2.a.
2,046 2.b.
3.

RCON0073
RCON0074
RCON0090
RCON0010

0 3.a.
0 3.b.
7,594 4.
10,799 5.