Carrollton Bank in Carrollton, Illinois (IL), MO
Overview, Financial Summary, Detailed Financial Reports, Branches


Carrollton Bank - Overview

  • General
  • FDIC Certificate #: 12383
    Status: Active
    Federal Reserve ID: 1001648
    Bank Holding Company (Regulatory Top Holder): Cbx Corporation (RSSDID: 1860863, Location: Carrollton, IL)
    Date Established: January 01, 1877
    WWW: http://www.carrolltonbanking.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 9 (Domestic: 9, Interstate: Yes)
    OTS Docket #: 13483
    FDIC's unique #: 7874
    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: Yes
    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: 315 West Public Square, Carrollton, IL 62016
    County: Greene
    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: $1,013.8 mil
    Equity capital: $77.5 mil
    Deposits held in domestic offices: $856.6 mil
    Return on assets (ROA): 1.28% ($13.0 mil)
    Quarterly return on assets: 1.38% ($14.0 mil)
    Return on Equity (ROE): 17.36% ($13.4 mil)
    Quarterly return on equity: 18.10% ($13.9 mil)
    Net income: $12.5 mil
    Quarterly Net income: $3.4 mil
    Pretax return on assets: 1.28% ($12,976.4 mil)
    Quarterly Pretax return on assets: 1.38% ($13,990.2 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
  • 122Total employees (full-time equivalent)
  • $1,013,780Total assets
  • $38,406Cash and due from depository institutions
  • $13,840Interest-bearing balances
  • $221,153Securities
  • $2,104Federal funds sold & reverse repurchase agreements
  • $715,958Net loans & leases
  • $9,133Loan loss allowance
  • $0Trading account assets
  • $18,647Bank premises and fixed assets
  • $500Other real estate owned
  • $1,252Goodwill and other intangibles
  • $1,013,780Life insurance assets
  • $15,760All other assets
  • $936,327Total liabilities and capital
  • $856,635Total liabilities
  • $748,293Total deposits
  • $856,635Interest-bearing deposits
  • $81Deposits held in domestic offices
  • 1832.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $76,000Trading liabilities
  • $0Other borrowed funds
  • $1,860Subordinated debt
  • $77,453All other liabilities
  • $77,453Total equity capital
  • $77,453Total bank equity capital
  • $0Perpetual preferred stock
  • $717Common stock
  • $24,652Surplus
  • $52,084Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $899Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,876Income earned, not collected on loans
  • $0Earning assets
  • $3,417Long-term assets (5+ years)
  • $953,055Average Assets, year-to-date
  • $92,015Average Assets, quarterly
  • $981,026Volatile liabilities
  • $1,000,029Insider loans
  • $742,118FHLB advances
  • $996,159Loans and leases held for sale
  • $5,221Unused loan commitments
  • $5,221Tier 1 (core) risk-based capital
  • $74,428Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $178,538Restructured Loans and leases
  • $1,150Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $38,880Total interest income
  • $10,317Total interest expense
  • $28,563Net interest income
  • $3,433Provision for loan and lease losses
  • $5,237Total noninterest income
  • $148Fiduciary activities
  • $913Service charges on deposit accounts
  • $0Trading account gains & fees
  • $4,176Additional noninterest income
  • $18,312Total noninterest expense
  • $10,647Salaries and employee benefits
  • $2,237Premises and equipment expense
  • $5,428Additional noninterest expense
  • $12,055Pre-tax net operating income
  • $545Securities gains (losses)
  • $77Applicable income taxes
  • $12,523Income before extraordinary items
  • $0Extraordinary gains - net
  • $12,523Net income attributable to bank
  • $0Net charge-offs
  • $12,523Cash dividends
  • $2,799Sale, conversion, retirement of capital stock, net
  • $5,550Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.20%Yield on earning assets
  • 1.12%Cost of funding earning assets
  • 3.09%Net interest margin
  • 0.57%Noninterest income to earning assets
  • 1.98%Noninterest expense to earning assets
  • 1.22%Net operating income to assets
  • 1.28%Return on assets (ROA)
  • 1.28%Pretax return on assets
  • 17.36%Return on equity (ROE)
  • 9.67%Retained earnings to average equity (YTD only)
  • 0.41%Net charge-offs to loans
  • 122.65%Credit loss provision to net charge-offs
  • 5.53%Efficiency ratio
  • 54,178Assets per employee
  • 8.31%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 44.32%Loss allowance to loans
  • 1.26%Loss allowance to noncurrent loans
  • 187.31%Noncurrent assets plus other real estate owned to assets
  • 0.53%Noncurrent loans to loans
  • 0.67%Net loans and leases to deposits
  • 83.58%Net loans and leases to core deposits
  • 92.08%Equity capital to assets
  • 7.64%Core capital (leverage) ratio
  • 7.47%Tier 1 risk-based capital ratio
  • 10.03%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $981,026Average earning assets
  • $72,125Average equity
  • $925,061Average 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
  • $20,498Managed Assets
  • 1Number of Accounts
  • $20,171Personal trust and agency accounts
  • $19,706Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $70Investment management agency accounts
  • $365Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $30Non-managed Assets
  • 43Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $327Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $327Fiduciary accounts held in foreign offices

List of branches

  • 5 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07874Carrollton Bank315 West Public Square, Carrollton, IL 62016January 01, 1877Full Service Brick and Mortar
    145631Jerseyville Banking Center1101 South State Street, Jerseyville, IL 62052August 24, 1989Full Service Brick and Mortar
    3227027Springfield Branch2135 West Wabash Avenue, Springfield, IL 62705December 06, 1994Full Service Brick and Mortar
    4227028Alton Branch120 Homer Adams Parkway, Alton, IL 62002September 03, 1996Full Service Brick and Mortar
    7227030Godfrey Branch136 Northport Drive, Godfrey, IL 62035Febuary 07, 2000Limited Service Facility
  • 4 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    6227029Des Peres Branch11710 Manchester Road, Des Peres, MO 63131November 30, 1998Full Service Brick and Mortar
    10445251Saint Charles Branch2777 West Clay Street, Saint Charles, MO 63301October 12, 2005Full Service Brick and Mortar
    11509812Saint Louis Hills Branch5807 Murdoch Avenue, Saint Louis, MO 63109May 03, 2010Full Service Brick and Mortar
    12513402Clayton Mo Branch7911 Forsyth Boulevard, Clayton, MO 63105October 12, 2010Full Service Brick and Mortar

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