Municipal Trust and Savings Bank in Bourbonnais, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

Municipal Trust and Savings Bank - Overview

  • General
  • FDIC Certificate #: 23546
    Status: Active
    Federal Reserve ID: 460332
    Date Established: October 02, 1981
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 16490
    Numeric code: 21
    Regulator: FDIC
    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: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: October 02, 1981
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 720 Main Street, N.W., Bourbonnais, IL 60914
    County: Kankakee
    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
    Metropolitan Statistical Area (MSA): Kankakee, IL (#3740)
    Consolidated Metropolitan Statistical Area (CMSA): Chicago-Gary-Kenosha, IL-IN-WI (#14)
    Combined Statistical Area (CSA): Chicago-Naperville-Michigan City, IL-IN-WI (#176)
    Core Based Statistical Area (CBSA): Kankakee-Bradley, IL (#28100)
    CBSA Metro Statistical Area: Kankakee-Bradley, IL (#28100)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $258.4 mil
    Equity capital: $54.8 mil
    Deposits held in domestic offices: $194.4 mil
    Return on assets (ROA): 1.19% ($3.1 mil)
    Quarterly return on assets: -0.56% (-$1.4 mil)
    Return on Equity (ROE): 5.73% ($3.2 mil)
    Quarterly return on equity: -2.65% (-$1.5 mil)
    Net income: $3.1 mil
    Quarterly Net income: -$0.4 mil
    Pretax return on assets: 1.19% ($3,074.4 mil)
    Quarterly Pretax return on assets: -0.57% (-$1,472.6 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
  • 51Total employees (full-time equivalent)
  • $258,350Total assets
  • $95,700Cash and due from depository institutions
  • $93,193Interest-bearing balances
  • $9,781Securities
  • $4,000Federal funds sold & reverse repurchase agreements
  • $138,682Net loans & leases
  • $2,582Loan loss allowance
  • $0Trading account assets
  • $3,789Bank premises and fixed assets
  • $5,294Other real estate owned
  • $0Goodwill and other intangibles
  • $258,350Life insurance assets
  • $1,104All other assets
  • $203,529Total liabilities and capital
  • $194,385Total liabilities
  • $172,195Total deposits
  • $194,385Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 8781.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $363Subordinated debt
  • $54,821All other liabilities
  • $54,821Total equity capital
  • $54,821Total bank equity capital
  • $0Perpetual preferred stock
  • $16,204Common stock
  • $12,412Surplus
  • $26,205Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $167Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,294Income earned, not collected on loans
  • $0Earning assets
  • $717Long-term assets (5+ years)
  • $245,656Average Assets, year-to-date
  • $29,247Average Assets, quarterly
  • $262,630Volatile liabilities
  • $260,500Insider loans
  • $137,306FHLB advances
  • $263,701Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $54,791Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,825Restructured Loans and leases
  • $919Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $9,514Total interest income
  • $1,609Total interest expense
  • $7,905Net interest income
  • $400Provision for loan and lease losses
  • $1,021Total noninterest income
  • $77Fiduciary activities
  • $420Service charges on deposit accounts
  • $0Trading account gains & fees
  • $524Additional noninterest income
  • $5,391Total noninterest expense
  • $2,553Salaries and employee benefits
  • $428Premises and equipment expense
  • $2,410Additional noninterest expense
  • $3,135Pre-tax net operating income
  • $0Securities gains (losses)
  • $22Applicable income taxes
  • $3,113Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,113Net income attributable to bank
  • $0Net charge-offs
  • $3,113Cash dividends
  • $2,285Sale, conversion, retirement of capital stock, net
  • $1,458Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.82%Yield on earning assets
  • 0.65%Cost of funding earning assets
  • 3.17%Net interest margin
  • 0.41%Noninterest income to earning assets
  • 2.16%Noninterest expense to earning assets
  • 1.19%Net operating income to assets
  • 1.19%Return on assets (ROA)
  • 1.19%Pretax return on assets
  • 5.73%Return on equity (ROE)
  • 3.05%Retained earnings to average equity (YTD only)
  • 1.57%Net charge-offs to loans
  • 17.51%Credit loss provision to net charge-offs
  • 1.55%Efficiency ratio
  • 60,397Assets per employee
  • 5.07%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 46.84%Loss allowance to loans
  • 1.83%Loss allowance to noncurrent loans
  • 78.38%Noncurrent assets plus other real estate owned to assets
  • 3.32%Noncurrent loans to loans
  • 2.33%Net loans and leases to deposits
  • 71.34%Net loans and leases to core deposits
  • 73.62%Equity capital to assets
  • 21.22%Core capital (leverage) ratio
  • 20.78%Tier 1 risk-based capital ratio
  • 39.90%Total risk-based capital ratio
  • Memoranda
  • $41Average assets
  • $262,630Average earning assets
  • $54,312Average equity
  • $249,383Average loans

List of branches

  • 3 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    016490Municipal Trust And Savings Bank720 Main Street, N.W., Bourbonnais, IL 60914October 02, 1981Full Service Brick and Mortar
    114040Momence Branch228 North Dixie Highway, Momence, IL 60954March 08, 1971Full Service Brick and Mortar
    2256428Manteno Branch110 Marquette Place, Manteno, IL 60950September 30, 1994Full Service Brick and Mortar

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