First Bank and Trust Company in city_name, state_name - Detailed Financial Reports, Location

First Bank and Trust Company in Cairo, Illinois (IL)
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First Bank and Trust Company - Overview

General
FDIC Certificate #: 11693
Status: Inactive
Closing history: Corrections
Acquiring institution: First National Bank (#17358)
Federal Reserve ID: 608947
Date Established: January 01, 1859
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 1 (Interstate: No)
FDIC's unique #: 7475
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: Yes
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: June 01, 1993
Last Structure Change Process Date: June 03, 1993
Last Data Update: September 13, 1995
Data Source Date: April 05, 2012
Location
Address: 800 Washington Avenue, Cairo, IL 62914
County: Alexander
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): Cape Girardeau-Sikeston-Jackson, MO-IL (#164)
Core Based Statistical Area (CBSA): Cape Girardeau-Jackson, MO-IL (#16020)
CBSA Metro Statistical Area: Cape Girardeau-Jackson, MO-IL (#16020)
History of Changes
Merger - Without Assistance
Corrections
Financial Summary
Total assets: $40.2 mil

Assets and Liabilities (December 31, 1992)

Dollar figures in thousands
0Total employees (full-time equivalent)
$22Total assets
$40,991Cash and due from depository institutions
$4,396Interest-bearing balances
$990Securities
$19,126Federal funds sold & reverse repurchase agreements
$2,349Net loans & leases
$13,846Loan loss allowance
$194Trading account assets
$0Bank premises and fixed assets
$552Other real estate owned
$0Goodwill and other intangibles
$630Life insurance assets
$92All other assets
$0Total liabilities and capital
$40,991Total liabilities
$35,361Total deposits
$35,166Interest-bearing deposits
$30,080Deposits held in domestic offices
35166.00%% insured (estimated)
$92Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$195Total equity capital
$195Total bank equity capital
$5,630Perpetual preferred stock
$0Common stock
$600Surplus
$1,400Undivided profits
Memoranda
$3,630Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$72Income earned, not collected on loans
$171Earning assets
$36,311Long-term assets (5+ years)
$3,510Average Assets, year-to-date
$41,293Average Assets, quarterly
$40,619Volatile liabilities
$1,661Insider loans
$0FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$549Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$5,538Total risk weighted assets
$16,268Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1992)

Dollar figures in thousands
$0Total interest income
$2,825Total interest expense
$1,427Net interest income
$1,398Provision for loan and lease losses
$107Total noninterest income
$239Fiduciary activities
$0Service charges on deposit accounts
$154Trading account gains & fees
$0Additional noninterest income
$85Total noninterest expense
$1,339Salaries and employee benefits
$462Premises and equipment expense
$206Additional noninterest expense
$671Pre-tax net operating income
$191Securities gains (losses)
$0Applicable income taxes
$56Income before extraordinary items
$135Extraordinary gains - net
$0Net income attributable to bank
$135Net charge-offs
$54Cash dividends
$151Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1992)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
7.59%Cost of funding earning assets
3.84%Net interest margin
3.76%Noninterest income to earning assets
0.64%Noninterest expense to earning assets
3.60%Net operating income to assets
0.33%Return on assets (ROA)
0.33%Pretax return on assets
0.46%Return on equity (ROE)
2.38%Retained earnings to average equity (YTD only)
-0.28%Net charge-offs to loans
0.37%Credit loss provision to net charge-offs
198.15%Efficiency ratio
80,574Assets per employee
1.86%Cash dividends to net income (YTD only)
Condition Ratios (%)
111.85%Loss allowance to loans
1.38%Loss allowance to noncurrent loans
269.44%Noncurrent assets plus other real estate owned to assets
0.18%Noncurrent loans to loans
0.51%Net loans and leases to deposits
39.37%Net loans and leases to core deposits
41.33%Equity capital to assets
13.73%Core capital (leverage) ratio
13.37%Tier 1 risk-based capital ratio
34.04%Total risk-based capital ratio
Memoranda
$35Average assets
$41,293Average earning assets
$5,681Average equity
$37,204Average loans

First Bank and Trust Company in Cairo, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

First Bank and Trust Company - Overview

Assets and Liabilities (December 31, 1992)

Income and Expense (December 31, 1992)

Performance and Condition Ratios (December 31, 1992)

Comment about this bank, ask questions, or add new information about it:

First Bank and Trust Company in Cairo, Illinois (IL)Overview, Financial Summary, Detailed Financial Reports, Branches

First Bank and Trust Company - Overview

Assets and Liabilities (December 31, 1992)

Income and Expense (December 31, 1992)

Performance and Condition Ratios (December 31, 1992)

Comment about this bank, ask questions, or add new information about it:

First Bank and Trust Company in Cairo, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches