Marine Bank and Trust in Carthage, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches


Marine Bank and Trust - Overview

  • General
  • FDIC Certificate #: 11685
    Status: Active
    Federal Reserve ID: 428631
    Bank Holding Company (Regulatory Top Holder): United Community Bancorp, Inc. (RSSDID: 1097182, Location: Chatham, IL)
    Date Established: May 01, 1920
    WWW: http://www.marinbk.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 13176
    FDIC's unique #: 7470
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: November 04, 2006
    Last Structure Change Process Date: January 12, 2007
    Last Data Update: January 12, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 410 Buchanan, Carthage, IL 62321
    County: Hancock
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Springfield Il
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
  • History of Changes
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $235.4 mil
    Equity capital: $28.0 mil
    Deposits held in domestic offices: $189.3 mil
    Return on assets (ROA): 1.58% ($3.7 mil)
    Quarterly return on assets: 1.98% ($4.7 mil)
    Return on Equity (ROE): 14.75% ($4.1 mil)
    Quarterly return on equity: 16.34% ($4.6 mil)
    Net income: $3.5 mil
    Quarterly Net income: $1.1 mil
    Pretax return on assets: 1.60% ($3,765.8 mil)
    Quarterly Pretax return on assets: 2.00% ($4,707.2 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
  • 40Total employees (full-time equivalent)
  • $235,361Total assets
  • $6,977Cash and due from depository institutions
  • $54Interest-bearing balances
  • $62,197Securities
  • $6,114Federal funds sold & reverse repurchase agreements
  • $143,210Net loans & leases
  • $440Loan loss allowance
  • $0Trading account assets
  • $3,216Bank premises and fixed assets
  • $486Other real estate owned
  • $3,393Goodwill and other intangibles
  • $235,361Life insurance assets
  • $9,768All other assets
  • $207,406Total liabilities and capital
  • $189,312Total liabilities
  • $156,204Total deposits
  • $189,312Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 10062.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $5,000Trading liabilities
  • $0Other borrowed funds
  • $3,032Subordinated debt
  • $27,955All other liabilities
  • $27,955Total equity capital
  • $27,955Total bank equity capital
  • $0Perpetual preferred stock
  • $1,301Common stock
  • $20,937Surplus
  • $5,717Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $211Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $818Income earned, not collected on loans
  • $503Earning assets
  • $2,056Long-term assets (5+ years)
  • $211,575Average Assets, year-to-date
  • $69,104Average Assets, quarterly
  • $220,998Volatile liabilities
  • $230,553Insider loans
  • $149,689FHLB advances
  • $224,836Loans and leases held for sale
  • $4,808Unused loan commitments
  • $4,808Tier 1 (core) risk-based capital
  • $22,535Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $28,058Restructured Loans and leases
  • $3,133Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $8,819Total interest income
  • $1,717Total interest expense
  • $7,102Net interest income
  • $245Provision for loan and lease losses
  • $1,200Total noninterest income
  • $142Fiduciary activities
  • $435Service charges on deposit accounts
  • $0Trading account gains & fees
  • $623Additional noninterest income
  • $4,518Total noninterest expense
  • $1,997Salaries and employee benefits
  • $601Premises and equipment expense
  • $1,920Additional noninterest expense
  • $3,539Pre-tax net operating income
  • $0Securities gains (losses)
  • $41Applicable income taxes
  • $3,498Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,498Net income attributable to bank
  • $0Net charge-offs
  • $3,498Cash dividends
  • $118Sale, conversion, retirement of capital stock, net
  • $2,000Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.43%Yield on earning assets
  • 0.86%Cost of funding earning assets
  • 3.57%Net interest margin
  • 0.60%Noninterest income to earning assets
  • 2.27%Noninterest expense to earning assets
  • 1.58%Net operating income to assets
  • 1.58%Return on assets (ROA)
  • 1.60%Pretax return on assets
  • 14.75%Return on equity (ROE)
  • 6.31%Retained earnings to average equity (YTD only)
  • 0.08%Net charge-offs to loans
  • 207.63%Credit loss provision to net charge-offs
  • 32.07%Efficiency ratio
  • 52,060Assets per employee
  • 5.88%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 57.18%Loss allowance to loans
  • 0.31%Loss allowance to noncurrent loans
  • 53.79%Noncurrent assets plus other real estate owned to assets
  • 0.55%Noncurrent loans to loans
  • 0.57%Net loans and leases to deposits
  • 75.65%Net loans and leases to core deposits
  • 81.73%Equity capital to assets
  • 11.88%Core capital (leverage) ratio
  • 10.02%Tier 1 risk-based capital ratio
  • 15.05%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $220,998Average earning assets
  • $23,722Average equity
  • $199,111Average 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
  • $30,448Managed Assets
  • 1Number of Accounts
  • $30,447Personal trust and agency accounts
  • $23,339Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $7,108Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 61Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $1Other retirement accounts
  • $1Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 3 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07470Marine Bank And Trust410 Buchanan, Carthage, IL 62321May 01, 1920Full Service Brick and Mortar
    210834Marine Bank & Trust Branch1111-1113 Broadway, Hamilton, IL 62341June 19, 1946Full Service Brick and Mortar
    37477Marine Bank & Trust BranchMain Street, Augusta, IL 62311Febuary 28, 1929Full Service Brick and Mortar

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