Community National Bank in Metropolis, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of August 31, 2004

  • Community National Bank in Metropolis, Illinois (IL)
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Community National Bank - Overview

  • General
  • FDIC Certificate #: 3813
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: MidCountry Bank (#34574)
    Federal Reserve ID: 417943
    Date Established: April 17, 1884
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 7 (Interstate: No)
    OTS Docket #: 13146
    FDIC's unique #: 2474
    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: August 31, 2004
    Last Structure Change Process Date: September 22, 2004
    Last Data Update: September 22, 2004
    Data Source Date: April 05, 2012
  • Location
  • Address: 522 Market Street, Metropolis, IL 62960
    County: Massac
    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): Paducah-Mayfield, KY-IL (#424)
    Core Based Statistical Area (CBSA): Paducah, KY-IL (#37140)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $135.2 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, 2003)

  • Dollar figures in thousands
  • 70Total employees (full-time equivalent)
  • $136,224Total assets
  • $6,212Cash and due from depository institutions
  • $17Interest-bearing balances
  • $52,467Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $71,626Net loans & leases
  • $825Loan loss allowance
  • $0Trading account assets
  • $2,421Bank premises and fixed assets
  • $1,727Other real estate owned
  • $52Goodwill and other intangibles
  • $0Life insurance assets
  • $1,719All other assets
  • $136,224Total liabilities and capital
  • $125,999Total liabilities
  • $115,824Total deposits
  • $105,595Interest-bearing deposits
  • $115,824Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $5,827Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $4,000Other borrowed funds
  • $0Subordinated debt
  • $348All other liabilities
  • $10,225Total equity capital
  • $10,225Total bank equity capital
  • $10,225Perpetual preferred stock
  • $0Common stock
  • $835Surplus
  • $3,810Undivided profits
  • Memoranda
  • $5,580Noncurrent loans and leases
  • $5,059Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $578Earning assets
  • $0Long-term assets (5+ years)
  • $702Average Assets, year-to-date
  • $124,110Average Assets, quarterly
  • $29,754Volatile liabilities
  • $136,798Insider loans
  • $138,225FHLB advances
  • $15,529Loans and leases held for sale
  • $3,229Unused loan commitments
  • $4,000Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $5,059Total unused commitments
  • $0Restructured Loans and leases
  • $825Derivatives

Income and Expense (December 31, 2003)

  • Dollar figures in thousands
  • $6,864Total interest income
  • $2,012Total interest expense
  • $4,852Net interest income
  • $790Provision for loan and lease losses
  • $757Total noninterest income
  • $0Fiduciary activities
  • $543Service charges on deposit accounts
  • $0Trading account gains & fees
  • $214Additional noninterest income
  • $4,259Total noninterest expense
  • $2,158Salaries and employee benefits
  • $402Premises and equipment expense
  • $1,699Additional noninterest expense
  • $560Pre-tax net operating income
  • $2Securities gains (losses)
  • $0Applicable income taxes
  • $562Income before extraordinary items
  • $0Extraordinary gains - net
  • $562Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $902Sale, conversion, retirement of capital stock, net
  • $161Net operating income

Performance and Condition Ratios (December 31, 2003)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.48%Yield on earning assets
  • 1.61%Cost of funding earning assets
  • 3.87%Net interest margin
  • 0.60%Noninterest income to earning assets
  • 3.40%Noninterest expense to earning assets
  • 0.41%Net operating income to assets
  • 0.41%Return on assets (ROA)
  • 0.41%Pretax return on assets
  • 5.38%Return on equity (ROE)
  • 3.84%Retained earnings to average equity (YTD only)
  • 1.17%Net charge-offs to loans
  • 87.58%Credit loss provision to net charge-offs
  • 1.50%Efficiency ratio
  • 75,932Assets per employee
  • 1.95%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 28.65%Loss allowance to loans
  • 1.14%Loss allowance to noncurrent loans
  • 142.73%Noncurrent assets plus other real estate owned to assets
  • 1.69%Noncurrent loans to loans
  • 0.80%Net loans and leases to deposits
  • 61.84%Net loans and leases to core deposits
  • 66.86%Equity capital to assets
  • 7.51%Core capital (leverage) ratio
  • 7.19%Tier 1 risk-based capital ratio
  • 12.56%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $136,798Average earning assets
  • $10,438Average equity
  • $125,346Average loans

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