CNB Bank and Trust, N.A. in Carlinville, Illinois (IL), MO
Overview, Financial Summary, Detailed Financial Reports, Branches

CNB Bank and Trust, N.A. - Overview

  • General
  • FDIC Certificate #: 3775
    Status: Active
    Federal Reserve ID: 613343
    Bank Holding Company (Regulatory Top Holder): Carlinville National Bank Shares, Inc. (RSSDID: 1245460, Location: Carlinville, IL)
    Date Established: January 01, 1888
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 12 (Domestic: 12, Interstate: Yes)
    FDIC's unique #: 2439
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: July 16, 2011
    Last Structure Change Process Date: July 20, 2011
    Last Data Update: July 20, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 450 West Side Square, Carlinville, IL 62626
    County: Macoupin
    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
    Combined Statistical Area (CSA): St. Louis-St. Charles-Farmington, MO-IL (#476)
    Core Based Statistical Area (CBSA): St. Louis, MO-IL (#41180)
    CBSA Metro Statistical Area: St. Louis, MO-IL (#41180)
  • History of Changes
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $682.7 mil
    Equity capital: $61.0 mil
    Deposits held in domestic offices: $586.8 mil
    Return on assets (ROA): 0.77% ($5.3 mil)
    Quarterly return on assets: 1.04% ($7.1 mil)
    Return on Equity (ROE): 8.94% ($5.5 mil)
    Quarterly return on equity: 11.72% ($7.1 mil)
    Net income: $5.2 mil
    Quarterly Net income: $1.8 mil
    Pretax return on assets: 1.16% ($7,919.0 mil)
    Quarterly Pretax return on assets: 1.64% ($11,195.9 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
  • 180Total employees (full-time equivalent)
  • $682,674Total assets
  • $25,719Cash and due from depository institutions
  • $6,977Interest-bearing balances
  • $140,898Securities
  • $14,999Federal funds sold & reverse repurchase agreements
  • $460,283Net loans & leases
  • $4,940Loan loss allowance
  • $0Trading account assets
  • $12,762Bank premises and fixed assets
  • $2,673Other real estate owned
  • $6,654Goodwill and other intangibles
  • $682,674Life insurance assets
  • $18,686All other assets
  • $621,724Total liabilities and capital
  • $586,818Total liabilities
  • $504,531Total deposits
  • $586,818Interest-bearing deposits
  • $86Deposits held in domestic offices
  • 27372.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,860Trading liabilities
  • $0Other borrowed funds
  • $5,674Subordinated debt
  • $60,950All other liabilities
  • $60,950Total equity capital
  • $60,950Total bank equity capital
  • $0Perpetual preferred stock
  • $935Common stock
  • $29,533Surplus
  • $30,482Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $11,593Income earned, not collected on loans
  • $0Earning assets
  • $6,010Long-term assets (5+ years)
  • $623,157Average Assets, year-to-date
  • $227,844Average Assets, quarterly
  • $678,007Volatile liabilities
  • $682,046Insider loans
  • $510,464FHLB advances
  • $678,010Loans and leases held for sale
  • $4,119Unused loan commitments
  • $3,393Tier 1 (core) risk-based capital
  • $51,580Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $726Total unused commitments
  • $78,787Restructured Loans and leases
  • $6,670Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $30,752Total interest income
  • $7,073Total interest expense
  • $23,679Net interest income
  • $2,167Provision for loan and lease losses
  • $3,077Total noninterest income
  • $705Fiduciary activities
  • $1,174Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,198Additional noninterest income
  • $16,702Total noninterest expense
  • $9,308Salaries and employee benefits
  • $1,855Premises and equipment expense
  • $5,539Additional noninterest expense
  • $7,887Pre-tax net operating income
  • $0Securities gains (losses)
  • $2,656Applicable income taxes
  • $5,231Income before extraordinary items
  • $0Extraordinary gains - net
  • $5,231Net income attributable to bank
  • $0Net charge-offs
  • $5,231Cash dividends
  • $1,971Sale, conversion, retirement of capital stock, net
  • $1,495Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.04%Yield on earning assets
  • 1.16%Cost of funding earning assets
  • 3.88%Net interest margin
  • 0.50%Noninterest income to earning assets
  • 2.74%Noninterest expense to earning assets
  • 0.77%Net operating income to assets
  • 0.77%Return on assets (ROA)
  • 1.16%Pretax return on assets
  • 8.94%Return on equity (ROE)
  • 6.38%Retained earnings to average equity (YTD only)
  • 0.44%Net charge-offs to loans
  • 109.94%Credit loss provision to net charge-offs
  • 5.10%Efficiency ratio
  • 60,779Assets per employee
  • 3.79%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 28.58%Loss allowance to loans
  • 1.06%Loss allowance to noncurrent loans
  • 42.61%Noncurrent assets plus other real estate owned to assets
  • 2.09%Noncurrent loans to loans
  • 2.49%Net loans and leases to deposits
  • 78.44%Net loans and leases to core deposits
  • 83.53%Equity capital to assets
  • 8.93%Core capital (leverage) ratio
  • 7.61%Tier 1 risk-based capital ratio
  • 10.10%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $678,007Average earning assets
  • $58,529Average equity
  • $610,116Average 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
  • $151,885Managed Assets
  • 1Number of Accounts
  • $108,206Personal trust and agency accounts
  • $102,826Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $5,380Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 613Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $43,679Other retirement accounts
  • $21,910Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $6,441Fiduciary accounts held in foreign offices

List of branches

  • 11 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02439Cnb Bank And Trust, N.A.450 West Side Square, Carlinville, IL 62626January 01, 1888Full Service Brick and Mortar
    1282257Hillsboro Branch549 South Main Street, Hillsboro, IL 62049January 01, 1879Full Service Brick and Mortar
    210660Corn Belt Bank And Trust Company Bra643 West Washington Street, Pittsfield, IL 62363October 25, 1946Full Service Brick and Mortar
    3450570Jacksonville Branch1351 Lincoln Avenue, Jacksonville, IL 62650March 27, 2006Full Service Brick and Mortar
    5511690Oak Forest Banking Center Branch5459 West 159th Street, Oak Forest, IL 60452May 22, 2010Full Service Brick and Mortar
    67689Taylorville Branch620 North Webster, Taylorville, IL 62568June 12, 1912Full Service Brick and Mortar
    73930Shipman Branch111 Keating Street, Shipman, IL 62685Febuary 15, 1926Full Service Brick and Mortar
    8208116Brighton Branch202 North Maple, Brighton, IL 62012June 07, 1993Full Service Brick and Mortar
    99655Carrolton Branch600 North Main Street, Carrollton, IL 62016January 01, 1854Full Service Brick and Mortar
    10233683Jerseyville Branch533 South State Street, Jerseyville, IL 62052March 07, 1996Full Service Brick and Mortar
    11233684Homer Adams Parkway Branch200 Homer Adams Parkway, Alton, IL 62002October 12, 1999Full Service Brick and Mortar
  • 1 Missouri Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    4455729Clayton Branch201 South Central Suite 106, Clayton, MO 63105September 18, 2006Full Service Retail

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