Community Bank of Trenton in Trenton, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

Community Bank of Trenton - Overview

  • General
  • FDIC Certificate #: 18889
    Status: Active
    Federal Reserve ID: 255547
    Bank Holding Company (Regulatory Top Holder): Cbt Bancorp, Inc. (RSSDID: 3436927, Location: Trenton, IL)
    Date Established: September 17, 1963
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 12740
    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: All Other Specialization < 1 Billion
    Date of Deposit Insurance: September 17, 1963
    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: 104 East Broadway, Trenton, IL 62293
    County: Clinton
    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
    Metropolitan Statistical Area (MSA): St. Louis, MO-IL (#7040)
    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
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $74.6 mil
    Equity capital: $9.1 mil
    Deposits held in domestic offices: $61.2 mil
    Return on assets (ROA): 0.89% ($0.7 mil)
    Quarterly return on assets: 0.63% ($0.5 mil)
    Return on Equity (ROE): 7.61% ($0.7 mil)
    Quarterly return on equity: 5.21% ($0.5 mil)
    Net income: $0.7 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.93% ($693.9 mil)
    Quarterly Pretax return on assets: 0.65% ($485.0 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
  • 15Total employees (full-time equivalent)
  • $74,608Total assets
  • $3,889Cash and due from depository institutions
  • $2,465Interest-bearing balances
  • $17,633Securities
  • $99Federal funds sold & reverse repurchase agreements
  • $49,789Net loans & leases
  • $978Loan loss allowance
  • $0Trading account assets
  • $2,130Bank premises and fixed assets
  • $259Other real estate owned
  • $1Goodwill and other intangibles
  • $74,608Life insurance assets
  • $808All other assets
  • $65,549Total liabilities and capital
  • $61,203Total liabilities
  • $55,689Total deposits
  • $61,203Interest-bearing deposits
  • $99Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $4,252Trading liabilities
  • $0Other borrowed funds
  • $94Subordinated debt
  • $9,059All other liabilities
  • $9,059Total equity capital
  • $9,059Total bank equity capital
  • $0Perpetual preferred stock
  • $270Common stock
  • $600Surplus
  • $8,189Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $176Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,068Income earned, not collected on loans
  • $0Earning assets
  • $318Long-term assets (5+ years)
  • $69,986Average Assets, year-to-date
  • $19,937Average Assets, quarterly
  • $73,685Volatile liabilities
  • $74,543Insider loans
  • $54,494FHLB advances
  • $75,324Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $8,530Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,612Restructured Loans and leases
  • $405Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,558Total interest income
  • $992Total interest expense
  • $2,566Net interest income
  • $620Provision for loan and lease losses
  • $331Total noninterest income
  • $0Fiduciary activities
  • $165Service charges on deposit accounts
  • $0Trading account gains & fees
  • $166Additional noninterest income
  • $1,594Total noninterest expense
  • $693Salaries and employee benefits
  • $235Premises and equipment expense
  • $666Additional noninterest expense
  • $683Pre-tax net operating income
  • $0Securities gains (losses)
  • $26Applicable income taxes
  • $657Income before extraordinary items
  • $0Extraordinary gains - net
  • $657Net income attributable to bank
  • $0Net charge-offs
  • $657Cash dividends
  • $371Sale, conversion, retirement of capital stock, net
  • $462Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.14%Yield on earning assets
  • 1.43%Cost of funding earning assets
  • 3.71%Net interest margin
  • 0.48%Noninterest income to earning assets
  • 2.30%Noninterest expense to earning assets
  • 0.89%Net operating income to assets
  • 0.89%Return on assets (ROA)
  • 0.93%Pretax return on assets
  • 7.61%Return on equity (ROE)
  • 2.26%Retained earnings to average equity (YTD only)
  • 0.74%Net charge-offs to loans
  • 167.12%Credit loss provision to net charge-offs
  • 3.51%Efficiency ratio
  • 55,022Assets per employee
  • 4.97%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 70.32%Loss allowance to loans
  • 1.93%Loss allowance to noncurrent loans
  • 91.57%Noncurrent assets plus other real estate owned to assets
  • 1.78%Noncurrent loans to loans
  • 2.10%Net loans and leases to deposits
  • 81.35%Net loans and leases to core deposits
  • 82.36%Equity capital to assets
  • 12.14%Core capital (leverage) ratio
  • 11.32%Tier 1 risk-based capital ratio
  • 15.65%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $73,685Average earning assets
  • $8,630Average equity
  • $69,192Average loans

List of branches

  • 1 Illinois Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    012740Community Bank Of Trenton104 East Broadway, Trenton, IL 62293September 17, 1963Full Service Brick and Mortar

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