First National Bank & Trust Company in Clinton, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches


First National Bank & Trust Company - Overview

  • General
  • FDIC Certificate #: 3639
    Status: Active
    Federal Reserve ID: 32234
    Bank Holding Company (Regulatory Top Holder): First Clinton Bancorporation, Inc. (RSSDID: 1203198, Location: Clinton, IL)
    Date Established: June 01, 1872
    WWW: http://www.fnbclinton.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 2321
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: September 12, 2007
    Last Structure Change Process Date: September 12, 2007
    Last Data Update: September 12, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 2 Kelli Court, Clinton, IL 61727
    County: De Witt
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Champaign
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $98.6 mil
    Equity capital: $12.8 mil
    Deposits held in domestic offices: $71.3 mil
    Return on assets (ROA): 0.73% ($0.7 mil)
    Quarterly return on assets: 0.96% ($1.0 mil)
    Return on Equity (ROE): 5.91% ($0.8 mil)
    Quarterly return on equity: 7.72% ($1.0 mil)
    Net income: $0.7 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.73% ($720.1 mil)
    Quarterly Pretax return on assets: 0.96% ($947.0 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
  • 23Total employees (full-time equivalent)
  • $98,643Total assets
  • $18,479Cash and due from depository institutions
  • $13,892Interest-bearing balances
  • $31,457Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $44,463Net loans & leases
  • $384Loan loss allowance
  • $0Trading account assets
  • $3,083Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $98,643Life insurance assets
  • $1,161All other assets
  • $85,882Total liabilities and capital
  • $71,305Total liabilities
  • $57,573Total deposits
  • $71,305Interest-bearing deposits
  • $79Deposits held in domestic offices
  • 14207.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $370Subordinated debt
  • $12,761All other liabilities
  • $12,761Total equity capital
  • $12,761Total bank equity capital
  • $0Perpetual preferred stock
  • $332Common stock
  • $2,392Surplus
  • $10,037Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $196Income earned, not collected on loans
  • $0Earning assets
  • $547Long-term assets (5+ years)
  • $89,812Average Assets, year-to-date
  • $17,855Average Assets, quarterly
  • $99,228Volatile liabilities
  • $102,333Insider loans
  • $52,416FHLB advances
  • $102,245Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $11,835Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $7,910Restructured Loans and leases
  • $9,285Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,963Total interest income
  • $391Total interest expense
  • $2,572Net interest income
  • $19Provision for loan and lease losses
  • $579Total noninterest income
  • $209Fiduciary activities
  • $208Service charges on deposit accounts
  • $0Trading account gains & fees
  • $162Additional noninterest income
  • $2,414Total noninterest expense
  • $1,393Salaries and employee benefits
  • $380Premises and equipment expense
  • $641Additional noninterest expense
  • $718Pre-tax net operating income
  • $4Securities gains (losses)
  • $0Applicable income taxes
  • $722Income before extraordinary items
  • $0Extraordinary gains - net
  • $722Net income attributable to bank
  • $0Net charge-offs
  • $722Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $249Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.34%Yield on earning assets
  • 0.44%Cost of funding earning assets
  • 2.90%Net interest margin
  • 0.65%Noninterest income to earning assets
  • 2.72%Noninterest expense to earning assets
  • 0.72%Net operating income to assets
  • 0.73%Return on assets (ROA)
  • 0.73%Pretax return on assets
  • 5.91%Return on equity (ROE)
  • 3.87%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 76,611Assets per employee
  • 4.29%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 34.49%Loss allowance to loans
  • 0.86%Loss allowance to noncurrent loans
  • 195.92%Noncurrent assets plus other real estate owned to assets
  • 0.20%Noncurrent loans to loans
  • 0.44%Net loans and leases to deposits
  • 62.36%Net loans and leases to core deposits
  • 66.47%Equity capital to assets
  • 12.94%Core capital (leverage) ratio
  • 11.58%Tier 1 risk-based capital ratio
  • 22.58%Total risk-based capital ratio
  • Memoranda
  • $23Average assets
  • $99,228Average earning assets
  • $12,213Average equity
  • $88,799Average 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
  • $58,319Managed Assets
  • 1Number of Accounts
  • $58,319Personal trust and agency accounts
  • $58,319Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 28Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 2 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02321First National Bank & Trust Company2 Kelli Court, Clinton, IL 61727June 01, 1872Full Service Brick and Mortar
    1201661Auto Facility301 South Grant Street, Clinton, IL 61727January 07, 1972Limited Service Facility

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

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with First National Bank & Trust Company.
Based on public records. Inadvertent errors are possible.
bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents