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

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