Community Trust Bank in Irvington, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

Community Trust Bank - Overview

  • General
  • FDIC Certificate #: 13380
    Status: Active
    Federal Reserve ID: 484141
    Bank Holding Company (Regulatory Top Holder): Community Bancshares, Inc. (RSSDID: 2251806, Location: Irvington, IL)
    Date Established: January 01, 1934
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 11988
    FDIC's unique #: 8430
    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: No
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    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: 107 S 2nd St, Irvington, IL 62848
    County: Washington
    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
  • History of Changes
  • Change in Location
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $90.9 mil
    Equity capital: $10.8 mil
    Deposits held in domestic offices: $77.3 mil
    Return on assets (ROA): 1.00% ($0.9 mil)
    Quarterly return on assets: 1.10% ($1.0 mil)
    Return on Equity (ROE): 8.84% ($1.0 mil)
    Quarterly return on equity: 9.19% ($1.0 mil)
    Net income: $0.9 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.28% ($1,163.6 mil)
    Quarterly Pretax return on assets: 1.42% ($1,290.9 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
  • 27Total employees (full-time equivalent)
  • $90,906Total assets
  • $6,638Cash and due from depository institutions
  • $1,178Interest-bearing balances
  • $31,973Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $47,591Net loans & leases
  • $583Loan loss allowance
  • $0Trading account assets
  • $1,203Bank premises and fixed assets
  • $8Other real estate owned
  • $0Goodwill and other intangibles
  • $90,906Life insurance assets
  • $3,493All other assets
  • $80,107Total liabilities and capital
  • $77,307Total liabilities
  • $57,953Total deposits
  • $77,307Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,600Trading liabilities
  • $0Other borrowed funds
  • $1,200Subordinated debt
  • $10,799All other liabilities
  • $10,799Total equity capital
  • $10,799Total bank equity capital
  • $0Perpetual preferred stock
  • $970Common stock
  • $970Surplus
  • $8,859Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $275Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $827Income earned, not collected on loans
  • $0Earning assets
  • $622Long-term assets (5+ years)
  • $80,742Average Assets, year-to-date
  • $45,001Average Assets, quarterly
  • $90,449Volatile liabilities
  • $90,209Insider loans
  • $54,164FHLB advances
  • $90,603Loans and leases held for sale
  • $2,230Unused loan commitments
  • $2,230Tier 1 (core) risk-based capital
  • $10,141Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,690Restructured Loans and leases
  • $1,095Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,805Total interest income
  • $682Total interest expense
  • $3,123Net interest income
  • $110Provision for loan and lease losses
  • $615Total noninterest income
  • $130Fiduciary activities
  • $221Service charges on deposit accounts
  • $0Trading account gains & fees
  • $264Additional noninterest income
  • $2,474Total noninterest expense
  • $1,350Salaries and employee benefits
  • $429Premises and equipment expense
  • $695Additional noninterest expense
  • $1,154Pre-tax net operating income
  • $0Securities gains (losses)
  • $248Applicable income taxes
  • $906Income before extraordinary items
  • $0Extraordinary gains - net
  • $906Net income attributable to bank
  • $0Net charge-offs
  • $906Cash dividends
  • $116Sale, conversion, retirement of capital stock, net
  • $252Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.71%Yield on earning assets
  • 0.84%Cost of funding earning assets
  • 3.86%Net interest margin
  • 0.76%Noninterest income to earning assets
  • 3.06%Noninterest expense to earning assets
  • 1.00%Net operating income to assets
  • 1.00%Return on assets (ROA)
  • 1.28%Pretax return on assets
  • 8.84%Return on equity (ROE)
  • 6.38%Retained earnings to average equity (YTD only)
  • 0.24%Net charge-offs to loans
  • 94.83%Credit loss provision to net charge-offs
  • 10.90%Efficiency ratio
  • 66,185Assets per employee
  • 3.37%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 27.81%Loss allowance to loans
  • 1.21%Loss allowance to noncurrent loans
  • 70.50%Noncurrent assets plus other real estate owned to assets
  • 0.92%Noncurrent loans to loans
  • 1.72%Net loans and leases to deposits
  • 61.56%Net loans and leases to core deposits
  • 63.46%Equity capital to assets
  • 11.88%Core capital (leverage) ratio
  • 11.19%Tier 1 risk-based capital ratio
  • 18.72%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $90,449Average earning assets
  • $10,246Average equity
  • $80,847Average 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
  • $21,908Managed Assets
  • 1Number of Accounts
  • $16,310Personal trust and agency accounts
  • $9,685Employee benefit-defined contribution accounts
  • $518Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $6,107Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 88Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $5,598Other retirement accounts
  • $3,445Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $905Fiduciary accounts held in foreign offices

List of branches

  • 3 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08430Community Trust Bank107 S 2nd St, Irvington, IL 62848January 01, 1934Full Service Brick and Mortar
    2229524Centralia Facility1427 East Second Street, Centralia, IL 62801Febuary 01, 1982Full Service Brick and Mortar
    3229525Nashville Facility17872 Exchange Avenue, Nashville, IL 62263April 01, 1999Full Service Brick and Mortar

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