Murphy-Wall State Bank and Trust Company in Pinckneyville, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

Murphy-Wall State Bank and Trust Company - Overview

  • General
  • FDIC Certificate #: 10860
    Status: Active
    Federal Reserve ID: 478140
    Bank Holding Company (Regulatory Top Holder): Murphy-Wall Bancorp, Inc. (RSSDID: 2232748, Location: Pinckneyville, IL)
    Date Established: November 01, 1874
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 6948
    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: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    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: 105 East Water Street, Pinckneyville, IL 62274
    County: Perry
    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
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $99.8 mil
    Equity capital: $12.0 mil
    Deposits held in domestic offices: $85.6 mil
    Return on assets (ROA): 1.04% ($1.0 mil)
    Quarterly return on assets: 1.16% ($1.2 mil)
    Return on Equity (ROE): 9.01% ($1.1 mil)
    Quarterly return on equity: 9.69% ($1.2 mil)
    Net income: $1.0 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.38% ($1,377.8 mil)
    Quarterly Pretax return on assets: 1.60% ($1,597.4 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
  • 33Total employees (full-time equivalent)
  • $99,838Total assets
  • $6,550Cash and due from depository institutions
  • $3,001Interest-bearing balances
  • $34,278Securities
  • $2,301Federal funds sold & reverse repurchase agreements
  • $52,394Net loans & leases
  • $964Loan loss allowance
  • $0Trading account assets
  • $2,358Bank premises and fixed assets
  • $180Other real estate owned
  • $0Goodwill and other intangibles
  • $99,838Life insurance assets
  • $1,777All other assets
  • $87,815Total liabilities and capital
  • $85,585Total liabilities
  • $73,768Total deposits
  • $85,585Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,337Trading liabilities
  • $0Other borrowed funds
  • $893Subordinated debt
  • $12,023All other liabilities
  • $12,023Total equity capital
  • $12,023Total bank equity capital
  • $0Perpetual preferred stock
  • $600Common stock
  • $1,900Surplus
  • $9,523Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,852Income earned, not collected on loans
  • $610Earning assets
  • $398Long-term assets (5+ years)
  • $91,974Average Assets, year-to-date
  • $54,761Average Assets, quarterly
  • $98,344Volatile liabilities
  • $100,009Insider loans
  • $54,815FHLB advances
  • $100,623Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $11,531Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,545Restructured Loans and leases
  • $90Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,350Total interest income
  • $794Total interest expense
  • $3,556Net interest income
  • $162Provision for loan and lease losses
  • $915Total noninterest income
  • $0Fiduciary activities
  • $231Service charges on deposit accounts
  • $0Trading account gains & fees
  • $684Additional noninterest income
  • $3,102Total noninterest expense
  • $1,565Salaries and employee benefits
  • $304Premises and equipment expense
  • $1,233Additional noninterest expense
  • $1,207Pre-tax net operating income
  • $154Securities gains (losses)
  • $340Applicable income taxes
  • $1,021Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,021Net income attributable to bank
  • $0Net charge-offs
  • $1,021Cash dividends
  • $33Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.80%Yield on earning assets
  • 0.88%Cost of funding earning assets
  • 3.92%Net interest margin
  • 1.01%Noninterest income to earning assets
  • 3.42%Noninterest expense to earning assets
  • 0.92%Net operating income to assets
  • 1.04%Return on assets (ROA)
  • 1.38%Pretax return on assets
  • 9.01%Return on equity (ROE)
  • 9.01%Retained earnings to average equity (YTD only)
  • 0.06%Net charge-offs to loans
  • 490.91%Credit loss provision to net charge-offs
  • 41.48%Efficiency ratio
  • 69,380Assets per employee
  • 3.03%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.81%Loss allowance to noncurrent loans
  • 52.05%Noncurrent assets plus other real estate owned to assets
  • 2.04%Noncurrent loans to loans
  • 3.47%Net loans and leases to deposits
  • 61.22%Net loans and leases to core deposits
  • 63.81%Equity capital to assets
  • 12.04%Core capital (leverage) ratio
  • 11.46%Tier 1 risk-based capital ratio
  • 21.04%Total risk-based capital ratio
  • Memoranda
  • $22Average assets
  • $98,344Average earning assets
  • $11,334Average equity
  • $90,620Average loans

List of branches

  • 2 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06948Murphy-Wall State Bank And Trust Com105 East Water Street, Pinckneyville, IL 62274November 01, 1874Full Service Brick and Mortar
    1449837Murphysboro Branch105 Williams Street, Murphysboro, IL 62966November 21, 2005Full Service Brick and Mortar

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