Community Trust Bank in Irvington, Illinois (IL)

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Community Trust Bank
GeneralFDIC 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
LocationAddress: 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 ChangesChange in Location
Merge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)27
Total assets$90,906
Cash and due from depository institutions$6,638
Interest-bearing balances$1,178
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$47,591
Loan loss allowance $583
Trading account assets$0
Bank premises and fixed assets$1,203
Other real estate owned$8
Goodwill and other intangibles$0
All other assets$3,493
Life insurance assets$90,906
Total liabilities and capital$80,107
Total liabilities$77,307
Total deposits$57,953
Interest-bearing deposits$77,307
Deposits held in domestic offices$93
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$1,600
Other borrowed funds $0
Subordinated debt $1,200
All other liabilities $10,799
Total equity capital$10,799
Total bank equity capital$10,799
Perpetual preferred stock$0
Common stock$970
Undivided profits $8,859
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $275
Income earned, not collected on loans $827
Earning assets $0
Long-term assets (5+ years) $622
Average Assets, year-to-date $80,742
Average Assets, quarterly $45,001
Volatile liabilities $90,449
Insider loans $90,209
FHLB advances $54,164
Loans and leases held for sale $90,603
Unused loan commitments $2,230
Tier 1 (core) risk-based capital $2,230
Tier 2 risk-based capital $10,141
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $1,690
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $3,805
Total interest expense $682
Net interest income $3,123
Provision for loan and lease losses $110
Total noninterest income $615
Fiduciary activities $130
Service charges on deposit accounts $221
Trading account gains & fees $0
Additional noninterest income $264
Total noninterest expense $2,474
Salaries and employee benefits $1,350
Premises and equipment expense $429
Additional noninterest expense $695
Pre-tax net operating income $1,154
Securities gains (losses) $0
Applicable income taxes $248
Income before extraordinary items $906
Extraordinary gains - net $0
Net income attributable to bank $906
Net charge-offs $0
Cash dividends $906
Sale, conversion, retirement of capital stock, net $116
Net operating income $252
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.71%
Cost of funding earning assets 0.84%
Net interest margin 3.86%
Noninterest income to earning assets 0.76%
Noninterest expense to earning assets 3.06%
Net operating income to assets 1.00%
Return on assets (ROA) 1.00%
Pretax return on assets 1.28%
Return on equity (ROE) 8.84%
Retained earnings to average equity (YTD only) 6.38%
Net charge-offs to loans 0.24%
Credit loss provision to net charge-offs 94.83%
Efficiency ratio10.90%
Assets per employee$66,185
Cash dividends to net income (YTD only)3.37%
Condition Ratios (%)
Loss allowance to loans 27.81%
Loss allowance to noncurrent loans 1.21%
Noncurrent assets plus other real estate owned to assets 70.50%
Noncurrent loans to loans 0.92%
Net loans and leases to deposits1.72%
Net loans and leases to core deposits 61.56%
Equity capital to assets 63.46%
Core capital (leverage) ratio 11.88%
Tier 1 risk-based capital ratio 11.19%
Total risk-based capital ratio 18.72%
Average assets$20
Average earning assets$90,449
Average equity $10,246
Average loans $80,847
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$21,908
Number of Accounts1
Personal trust and agency accounts$16,310
Employee benefit-defined contribution accounts$9,685
Employee benefit-defined benefit accounts$518
Other retirement accounts$0
Corporate trust and agency accounts$0
Investment management agency accounts$0
Other fiduciary accounts$6,107
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts88
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$5,598
Corporate trust and agency accounts$3,445
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$905
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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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