First National Bank and Trust Company, Carbondale, Illinois in Carbondale, Illinois (IL)
Table of contents:
| First National Bank and Trust Company, Carbondale, Illinois | |
|---|---|
| General | FDIC Certificate #: 3772 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution: Old National Bank (#3832) Federal Reserve ID: 612841 Date Established: May 25, 1893 Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 9 (Interstate: No) OTS Docket #: 12418 FDIC's unique #: 2436 Numeric code: 3 Regulator: OCC Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes State Chartered: No Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: October 12, 2000 Last Structure Change Process Date: November 15, 2000 Last Data Update: November 15, 2000 Data Source Date: April 05, 2012 |
| Location | Address: 509 South University Avenue, Carbondale, IL 62901 County: Jackson Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Chicago FDIC Field Office: Mount Vernon Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: Central Combined Statistical Area (CSA): Carbondale-Marion-Herrin, IL (#166) Core Based Statistical Area (CBSA): Carbondale, IL (#16060) CBSA Micro Statistical Area: Yes |
| Financial Summary | Total assets: $309.0 mil |
| Assets and Liabilities (December 31, 1999) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 119 |
| Total assets | $251,774 |
| Cash and due from depository institutions | $12,623 |
| Interest-bearing balances | $34 |
| Securities | $36,101 |
| Federal funds sold & reverse repurchase agreements | $0 |
| Net loans & leases | $190,832 |
| Loan loss allowance | $2,366 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $5,179 |
| Other real estate owned | $923 |
| Goodwill and other intangibles | $2,963 |
| All other assets | $3,153 |
| Life insurance assets | $0 |
| Total liabilities and capital | $251,774 |
| Total liabilities | $228,709 |
| Total deposits | $220,935 |
| Interest-bearing deposits | $195,598 |
| Deposits held in domestic offices | $220,935 |
| % insured (estimated) | 0.00% |
| Federal funds purchased & repurchase agreements | $4,702 |
| Trading liabilities | $0 |
| Other borrowed funds | $1,011 |
| Subordinated debt | $0 |
| All other liabilities | $2,061 |
| Total equity capital | $23,065 |
| Total bank equity capital | $23,065 |
| Perpetual preferred stock | $23,065 |
| Common stock | $0 |
| Surplus | $1,200 |
| Undivided profits | $1,200 |
| Memoranda | |
| Noncurrent loans and leases | $20,665 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $24,374 |
| Income earned, not collected on loans | $0 |
| Earning assets | $1,443 |
| Long-term assets (5+ years) | $0 |
| Average Assets, year-to-date | $1,036 |
| Average Assets, quarterly | $226,967 |
| Volatile liabilities | $74,786 |
| Insider loans | $249,813 |
| FHLB advances | $250,941 |
| Loans and leases held for sale | $20,303 |
| Unused loan commitments | $349 |
| Tier 1 (core) risk-based capital | $0 |
| Tier 2 risk-based capital | $0 |
| Total risk weighted assets | $133 |
| Total unused commitments | $24,374 |
| Restructured Loans and leases | $55 |
| Derivatives | $1,990 |
| Income and Expense (December 31, 1999) (Dollar figures in thousands) | |
| Total interest income | $17,801 |
| Total interest expense | $7,451 |
| Net interest income | $10,350 |
| Provision for loan and lease losses | $345 |
| Total noninterest income | $5,871 |
| Fiduciary activities | $124 |
| Service charges on deposit accounts | $1,346 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $4,401 |
| Total noninterest expense | $10,338 |
| Salaries and employee benefits | $5,689 |
| Premises and equipment expense | $1,172 |
| Additional noninterest expense | $3,477 |
| Pre-tax net operating income | $5,538 |
| Securities gains (losses) | $0 |
| Applicable income taxes | $1,878 |
| Income before extraordinary items | $3,660 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | $3,660 |
| Net charge-offs | $0 |
| Cash dividends | $0 |
| Sale, conversion, retirement of capital stock, net | $350 |
| Net operating income | $5,353 |
| Performance and Condition Ratios (December 31, 1999) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 7.82% |
| Cost of funding earning assets | 3.27% |
| Net interest margin | 4.55% |
| Noninterest income to earning assets | 2.58% |
| Noninterest expense to earning assets | 4.54% |
| Net operating income to assets | 1.47% |
| Return on assets (ROA) | 1.47% |
| Pretax return on assets | 2.22% |
| Return on equity (ROE) | 15.46% |
| Retained earnings to average equity (YTD only) | -7.15% |
| Net charge-offs to loans | 0.18% |
| Credit loss provision to net charge-offs | 98.57% |
| Efficiency ratio | 16.81% |
| Assets per employee | $61,427 |
| Cash dividends to net income (YTD only) | 2.12% |
| Condition Ratios (%) | |
| Loss allowance to loans | 146.26% |
| Loss allowance to noncurrent loans | 1.22% |
| Noncurrent assets plus other real estate owned to assets | 163.96% |
| Noncurrent loans to loans | 0.61% |
| Net loans and leases to deposits | 0.75% |
| Net loans and leases to core deposits | 86.37% |
| Equity capital to assets | 92.48% |
| Core capital (leverage) ratio | 9.16% |
| Tier 1 risk-based capital ratio | 8.17% |
| Total risk-based capital ratio | 13.03% |
| Memoranda | |
| Average assets | $14 |
| Average earning assets | $249,813 |
| Average equity | $23,682 |
| Average loans | $227,532 |
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