Bank & Trust Company in Litchfield, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches


Bank & Trust Company - Overview

  • General
  • FDIC Certificate #: 1047
    Status: Active
    Federal Reserve ID: 496845
    Bank Holding Company (Regulatory Top Holder): Lbt Bancshares, Inc. (RSSDID: 1099195, Location: Litchfield, IL)
    Date Established: September 01, 1902
    WWW: http://www.banktr.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 7 (Domestic: 7, Interstate: No)
    OTS Docket #: 13079
    FDIC's unique #: 700
    Numeric code: 21
    Regulator: FDIC
    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: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 401 North Madison Street, Litchfield, IL 62056
    County: Montgomery
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Springfield Il
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $258.4 mil
    Equity capital: $25.9 mil
    Deposits held in domestic offices: $229.0 mil
    Return on assets (ROA): 0.84% ($2.2 mil)
    Quarterly return on assets: 1.07% ($2.8 mil)
    Return on Equity (ROE): 8.72% ($2.3 mil)
    Quarterly return on equity: 10.65% ($2.8 mil)
    Net income: $2.2 mil
    Quarterly Net income: $0.7 mil
    Pretax return on assets: 1.21% ($3,127.2 mil)
    Quarterly Pretax return on assets: 1.57% ($4,057.6 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 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, 2011)

  • Dollar figures in thousands
  • 89Total employees (full-time equivalent)
  • $258,445Total assets
  • $7,219Cash and due from depository institutions
  • $100Interest-bearing balances
  • $78,826Securities
  • $2,056Federal funds sold & reverse repurchase agreements
  • $162,357Net loans & leases
  • $3,743Loan loss allowance
  • $0Trading account assets
  • $3,785Bank premises and fixed assets
  • $54Other real estate owned
  • $716Goodwill and other intangibles
  • $258,445Life insurance assets
  • $3,432All other assets
  • $232,539Total liabilities and capital
  • $228,965Total liabilities
  • $200,087Total deposits
  • $228,965Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 2515.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,059Subordinated debt
  • $25,906All other liabilities
  • $25,906Total equity capital
  • $25,906Total bank equity capital
  • $0Perpetual preferred stock
  • $360Common stock
  • $3,700Surplus
  • $21,846Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,288Income earned, not collected on loans
  • $0Earning assets
  • $1,729Long-term assets (5+ years)
  • $243,339Average Assets, year-to-date
  • $107,839Average Assets, quarterly
  • $258,095Volatile liabilities
  • $256,885Insider loans
  • $186,415FHLB advances
  • $257,844Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $24,237Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $20,689Restructured Loans and leases
  • $685Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $12,423Total interest income
  • $3,050Total interest expense
  • $9,373Net interest income
  • $700Provision for loan and lease losses
  • $1,958Total noninterest income
  • $390Fiduciary activities
  • $898Service charges on deposit accounts
  • $0Trading account gains & fees
  • $670Additional noninterest income
  • $7,514Total noninterest expense
  • $4,614Salaries and employee benefits
  • $845Premises and equipment expense
  • $2,055Additional noninterest expense
  • $3,117Pre-tax net operating income
  • $3Securities gains (losses)
  • $962Applicable income taxes
  • $2,158Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,158Net income attributable to bank
  • $0Net charge-offs
  • $2,158Cash dividends
  • $391Sale, conversion, retirement of capital stock, net
  • $700Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.10%Yield on earning assets
  • 1.25%Cost of funding earning assets
  • 3.85%Net interest margin
  • 0.80%Noninterest income to earning assets
  • 3.09%Noninterest expense to earning assets
  • 0.84%Net operating income to assets
  • 0.84%Return on assets (ROA)
  • 1.21%Pretax return on assets
  • 8.72%Return on equity (ROE)
  • 5.89%Retained earnings to average equity (YTD only)
  • 0.24%Net charge-offs to loans
  • 179.03%Credit loss provision to net charge-offs
  • 9.76%Efficiency ratio
  • 66,314Assets per employee
  • 2.90%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 32.44%Loss allowance to loans
  • 2.25%Loss allowance to noncurrent loans
  • 87.29%Noncurrent assets plus other real estate owned to assets
  • 1.68%Noncurrent loans to loans
  • 2.58%Net loans and leases to deposits
  • 70.91%Net loans and leases to core deposits
  • 73.91%Equity capital to assets
  • 10.02%Core capital (leverage) ratio
  • 9.40%Tier 1 risk-based capital ratio
  • 13.00%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $258,095Average earning assets
  • $24,735Average equity
  • $243,417Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $64,308Managed Assets
  • 1Number of Accounts
  • $57,311Personal trust and agency accounts
  • $34,485Employee benefit-defined contribution accounts
  • $8,631Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $593Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $13,602Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 255Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $6,997Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $2,333Fiduciary accounts held in foreign offices

List of branches

  • 7 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0700Bank & Trust Company401 North Madison Street, Litchfield, IL 62056September 01, 1902Full Service Brick and Mortar
    16449Farmersville Faciltiy204 South Cleveland Street, Farmersville, IL 62533January 01, 1895Full Service Brick and Mortar
    3187782Money Store FacilityRoute 16 And 66, Litchfield, IL 62056August 29, 1988Full Service Brick and Mortar
    4187783Raymond BranchIllinois Route 48 And West Street, Raymond, IL 62560August 09, 1995Full Service Brick and Mortar
    6187785Chatham BranchIllinois, Chatham, IL 62629January 05, 1996Full Service Brick and Mortar
    7187786Carlinville Branch900 West Main Street, Carlinville, IL 62626November 03, 1997Full Service Brick and Mortar
    8187787Rochester BranchRoute 29 And Walnut, Rochester, IL 62563March 16, 1998Full Service Brick and Mortar

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