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

This bank is inactive as of October 12, 2000

  • First National Bank and Trust Company, Carbondale, Illinois in Carbondale, Illinois (IL)
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First National Bank and Trust Company, Carbondale, Illinois - Overview

  • General
  • FDIC Certificate #: 3772
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Old National Bank (#3832)
    Federal Reserve ID: 612841
    Date Established: May 25, 1893
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 9 (Interstate: No)
    OTS Docket #: 12418
    FDIC's unique #: 2436
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: October 12, 2000
    Last Structure Change Process Date: November 15, 2000
    Last Data Update: November 15, 2000
    Data Source Date: April 05, 2012
  • Location
  • Address: 509 South University Avenue, Carbondale, IL 62901
    County: Jackson
    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): Carbondale-Marion-Herrin, IL (#166)
    Core Based Statistical Area (CBSA): Carbondale, IL (#16060)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $309.0 mil

1992 - 1999 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, 1999)

  • Dollar figures in thousands
  • 119Total employees (full-time equivalent)
  • $251,774Total assets
  • $12,623Cash and due from depository institutions
  • $34Interest-bearing balances
  • $36,101Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $190,832Net loans & leases
  • $2,366Loan loss allowance
  • $0Trading account assets
  • $5,179Bank premises and fixed assets
  • $923Other real estate owned
  • $2,963Goodwill and other intangibles
  • $0Life insurance assets
  • $3,153All other assets
  • $251,774Total liabilities and capital
  • $228,709Total liabilities
  • $220,935Total deposits
  • $195,598Interest-bearing deposits
  • $220,935Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $4,702Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $1,011Other borrowed funds
  • $0Subordinated debt
  • $2,061All other liabilities
  • $23,065Total equity capital
  • $23,065Total bank equity capital
  • $23,065Perpetual preferred stock
  • $0Common stock
  • $1,200Surplus
  • $1,200Undivided profits
  • Memoranda
  • $20,665Noncurrent loans and leases
  • $24,374Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $1,443Earning assets
  • $0Long-term assets (5+ years)
  • $1,036Average Assets, year-to-date
  • $226,967Average Assets, quarterly
  • $74,786Volatile liabilities
  • $249,813Insider loans
  • $250,941FHLB advances
  • $20,303Loans and leases held for sale
  • $349Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $133Total risk weighted assets
  • $24,374Total unused commitments
  • $55Restructured Loans and leases
  • $1,990Derivatives

Income and Expense (December 31, 1999)

  • Dollar figures in thousands
  • $17,801Total interest income
  • $7,451Total interest expense
  • $10,350Net interest income
  • $345Provision for loan and lease losses
  • $5,871Total noninterest income
  • $124Fiduciary activities
  • $1,346Service charges on deposit accounts
  • $0Trading account gains & fees
  • $4,401Additional noninterest income
  • $10,338Total noninterest expense
  • $5,689Salaries and employee benefits
  • $1,172Premises and equipment expense
  • $3,477Additional noninterest expense
  • $5,538Pre-tax net operating income
  • $0Securities gains (losses)
  • $1,878Applicable income taxes
  • $3,660Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,660Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $350Sale, conversion, retirement of capital stock, net
  • $5,353Net operating income

Performance and Condition Ratios (December 31, 1999)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.82%Yield on earning assets
  • 3.27%Cost of funding earning assets
  • 4.55%Net interest margin
  • 2.58%Noninterest income to earning assets
  • 4.54%Noninterest expense to earning assets
  • 1.47%Net operating income to assets
  • 1.47%Return on assets (ROA)
  • 2.22%Pretax return on assets
  • 15.46%Return on equity (ROE)
  • -7.15%Retained earnings to average equity (YTD only)
  • 0.18%Net charge-offs to loans
  • 98.57%Credit loss provision to net charge-offs
  • 16.81%Efficiency ratio
  • 61,427Assets per employee
  • 2.12%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 146.26%Loss allowance to loans
  • 1.22%Loss allowance to noncurrent loans
  • 163.96%Noncurrent assets plus other real estate owned to assets
  • 0.61%Noncurrent loans to loans
  • 0.75%Net loans and leases to deposits
  • 86.37%Net loans and leases to core deposits
  • 92.48%Equity capital to assets
  • 9.16%Core capital (leverage) ratio
  • 8.17%Tier 1 risk-based capital ratio
  • 13.03%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $249,813Average earning assets
  • $23,682Average equity
  • $227,532Average loans

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