First National Bank of Millstadt in Millstadt, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of November 05, 2007

  • First National Bank of Millstadt in Millstadt, Illinois (IL)
  • Show street view No street view available for this location

First National Bank of Millstadt - Overview

  • General
  • FDIC Certificate #: 3816
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: First National Bank of St. Louis (#4534)
    Federal Reserve ID: 387345
    Date Established: November 03, 1906
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 1 (Interstate: No)
    FDIC's unique #: 2477
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: No
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: November 05, 2007
    Last Structure Change Process Date: November 19, 2007
    Last Data Update: November 19, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 3 East Washington Street, Millstadt, IL 62260
    County: St. Clair
    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
    Metropolitan Statistical Area (MSA): St. Louis, MO-IL (#7040)
    Combined Statistical Area (CSA): St. Louis-St. Charles-Farmington, MO-IL (#476)
    Core Based Statistical Area (CBSA): St. Louis, MO-IL (#41180)
    CBSA Metro Statistical Area: St. Louis, MO-IL (#41180)
  • Financial Summary
  • Total assets: $86.3 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, 2006)

  • Dollar figures in thousands
  • 22Total employees (full-time equivalent)
  • $90,010Total assets
  • $1,796Cash and due from depository institutions
  • $0Interest-bearing balances
  • $30,668Securities
  • $12,800Federal funds sold & reverse repurchase agreements
  • $40,446Net loans & leases
  • $443Loan loss allowance
  • $0Trading account assets
  • $708Bank premises and fixed assets
  • $27Other real estate owned
  • $0Goodwill and other intangibles
  • $2,923Life insurance assets
  • $3,565All other assets
  • $90,010Total liabilities and capital
  • $78,345Total liabilities
  • $78,005Total deposits
  • $70,154Interest-bearing deposits
  • $78,005Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $340All other liabilities
  • $11,665Total equity capital
  • $11,665Total bank equity capital
  • $11,665Perpetual preferred stock
  • $0Common stock
  • $100Surplus
  • $500Undivided profits
  • Memoranda
  • $11,065Noncurrent loans and leases
  • $4,373Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $142Earning assets
  • $0Long-term assets (5+ years)
  • $415Average Assets, year-to-date
  • $83,914Average Assets, quarterly
  • $730Volatile liabilities
  • $84,646Insider loans
  • $86,954FHLB advances
  • $7,205Loans and leases held for sale
  • $1,140Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $4,373Total unused commitments
  • $0Restructured Loans and leases
  • $443Derivatives

Income and Expense (December 31, 2006)

  • Dollar figures in thousands
  • $3,789Total interest income
  • $1,487Total interest expense
  • $2,302Net interest income
  • $0Provision for loan and lease losses
  • $445Total noninterest income
  • $0Fiduciary activities
  • $108Service charges on deposit accounts
  • $0Trading account gains & fees
  • $337Additional noninterest income
  • $2,215Total noninterest expense
  • $1,347Salaries and employee benefits
  • $201Premises and equipment expense
  • $667Additional noninterest expense
  • $532Pre-tax net operating income
  • $0Securities gains (losses)
  • $133Applicable income taxes
  • $399Income before extraordinary items
  • $0Extraordinary gains - net
  • $399Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • -$13Sale, conversion, retirement of capital stock, net
  • $500Net operating income

Performance and Condition Ratios (December 31, 2006)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.83%Yield on earning assets
  • 1.89%Cost of funding earning assets
  • 2.93%Net interest margin
  • 0.57%Noninterest income to earning assets
  • 2.82%Noninterest expense to earning assets
  • 0.47%Net operating income to assets
  • 0.47%Return on assets (ROA)
  • 0.63%Pretax return on assets
  • 3.43%Return on equity (ROE)
  • -0.87%Retained earnings to average equity (YTD only)
  • -0.03%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 80,633Assets per employee
  • 4.09%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 125.31%Loss allowance to loans
  • 1.08%Loss allowance to noncurrent loans
  • 311.97%Noncurrent assets plus other real estate owned to assets
  • 0.19%Noncurrent loans to loans
  • 0.35%Net loans and leases to deposits
  • 51.85%Net loans and leases to core deposits
  • 57.13%Equity capital to assets
  • 12.96%Core capital (leverage) ratio
  • 15.38%Tier 1 risk-based capital ratio
  • 27.07%Total risk-based capital ratio
  • Memoranda
  • $28Average assets
  • $84,646Average earning assets
  • $11,637Average equity
  • $78,478Average loans

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 of Millstadt.
Based on public records. Inadvertent errors are possible. does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents