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

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

  • General
  • FDIC Certificate #: 19230
    Status: Active
    Federal Reserve ID: 775241
    Date Established: September 10, 1964
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 13046
    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: September 10, 1964
    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: 311 North Main Street, Monmouth, IL 61462
    County: Warren
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Princeton
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Core Based Statistical Area (CBSA): Galesburg, IL (#23660)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $55.3 mil
    Equity capital: $6.5 mil
    Deposits held in domestic offices: $48.2 mil
    Return on assets (ROA): 0.11% ($0.1 mil)
    Quarterly return on assets: 0.82% ($0.5 mil)
    Return on Equity (ROE): 0.88% ($0.1 mil)
    Quarterly return on equity: 6.64% ($0.5 mil)
    Net income: $0.1 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.03% ($16.6 mil)
    Quarterly Pretax return on assets: 1.07% ($591.9 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
  • 17Total employees (full-time equivalent)
  • $55,317Total assets
  • $15,369Cash and due from depository institutions
  • $13,061Interest-bearing balances
  • $18,390Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $20,591Net loans & leases
  • $199Loan loss allowance
  • $0Trading account assets
  • $259Bank premises and fixed assets
  • $74Other real estate owned
  • $0Goodwill and other intangibles
  • $55,317Life insurance assets
  • $634All other assets
  • $48,784Total liabilities and capital
  • $48,165Total liabilities
  • $38,424Total deposits
  • $48,165Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 319.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $300Subordinated debt
  • $6,533All other liabilities
  • $6,533Total equity capital
  • $6,533Total bank equity capital
  • $0Perpetual preferred stock
  • $1,800Common stock
  • $1,800Surplus
  • $2,933Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $93Income earned, not collected on loans
  • $0Earning assets
  • $374Long-term assets (5+ years)
  • $52,042Average Assets, year-to-date
  • $5,228Average Assets, quarterly
  • $50,314Volatile liabilities
  • $52,843Insider loans
  • $21,846FHLB advances
  • $51,202Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $6,158Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,666Restructured Loans and leases
  • $376Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,001Total interest income
  • $469Total interest expense
  • $1,532Net interest income
  • $521Provision for loan and lease losses
  • $306Total noninterest income
  • $0Fiduciary activities
  • $144Service charges on deposit accounts
  • $0Trading account gains & fees
  • $162Additional noninterest income
  • $1,303Total noninterest expense
  • $778Salaries and employee benefits
  • $104Premises and equipment expense
  • $421Additional noninterest expense
  • $14Pre-tax net operating income
  • $0Securities gains (losses)
  • -$43Applicable income taxes
  • $57Income before extraordinary items
  • $0Extraordinary gains - net
  • $57Net income attributable to bank
  • $0Net charge-offs
  • $57Cash dividends
  • $497Sale, conversion, retirement of capital stock, net
  • $225Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.19%Yield on earning assets
  • 0.98%Cost of funding earning assets
  • 3.21%Net interest margin
  • 0.64%Noninterest income to earning assets
  • 2.73%Noninterest expense to earning assets
  • 0.11%Net operating income to assets
  • 0.11%Return on assets (ROA)
  • 0.03%Pretax return on assets
  • 0.88%Return on equity (ROE)
  • -2.60%Retained earnings to average equity (YTD only)
  • 2.36%Net charge-offs to loans
  • 104.83%Credit loss provision to net charge-offs
  • 1.08%Efficiency ratio
  • 70,892Assets per employee
  • 3.25%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 394.74%Loss allowance to loans
  • 0.96%Loss allowance to noncurrent loans
  • 213.98%Noncurrent assets plus other real estate owned to assets
  • 0.30%Noncurrent loans to loans
  • 0.45%Net loans and leases to deposits
  • 42.75%Net loans and leases to core deposits
  • 44.61%Equity capital to assets
  • 11.81%Core capital (leverage) ratio
  • 12.03%Tier 1 risk-based capital ratio
  • 28.19%Total risk-based capital ratio
  • Memoranda
  • $29Average assets
  • $50,314Average earning assets
  • $6,458Average equity
  • $47,763Average loans

List of branches

  • 1 Illinois Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    013046Community National Bank In Monmouth311 North Main Street, Monmouth, IL 61462September 10, 1964Full Service Brick and Mortar

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