The Bank of Carbondale in Carbondale, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Bank of Carbondale - Overview

  • General
  • FDIC Certificate #: 10828
    Status: Active
    Federal Reserve ID: 141341
    Bank Holding Company (Regulatory Top Holder): Carbondale Investment Corporation, The (RSSDID: 1096774, Location: Carbondale, IL)
    Date Established: April 04, 1919
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Domestic: 5, Interstate: No)
    OTS Docket #: 12523
    FDIC's unique #: 6927
    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: November 15, 2009
    Last Structure Change Process Date: April 29, 2011
    Last Data Update: April 29, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 216 East Main Street, 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
  • History of Changes
  • Office Purchased
  • Financial Summary
  • Total assets: $199.0 mil
    Equity capital: $21.4 mil
    Deposits held in domestic offices: $171.4 mil
    Return on assets (ROA): 1.19% ($2.4 mil)
    Quarterly return on assets: 0.98% ($2.0 mil)
    Return on Equity (ROE): 11.47% ($2.4 mil)
    Quarterly return on equity: 9.19% ($1.9 mil)
    Net income: $2.3 mil
    Quarterly Net income: $0.5 mil
    Pretax return on assets: 1.79% ($3,562.1 mil)
    Quarterly Pretax return on assets: 1.58% ($3,144.2 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
  • 53Total employees (full-time equivalent)
  • $199,001Total assets
  • $15,314Cash and due from depository institutions
  • $12,458Interest-bearing balances
  • $47,197Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $126,321Net loans & leases
  • $3,204Loan loss allowance
  • $0Trading account assets
  • $2,485Bank premises and fixed assets
  • $344Other real estate owned
  • $0Goodwill and other intangibles
  • $199,001Life insurance assets
  • $7,340All other assets
  • $177,554Total liabilities and capital
  • $171,387Total liabilities
  • $152,324Total deposits
  • $171,387Interest-bearing deposits
  • $86Deposits held in domestic offices
  • 186.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $4,950Trading liabilities
  • $0Other borrowed funds
  • $1,031Subordinated debt
  • $21,447All other liabilities
  • $21,447Total equity capital
  • $21,447Total bank equity capital
  • $0Perpetual preferred stock
  • $375Common stock
  • $875Surplus
  • $20,197Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,658Income earned, not collected on loans
  • $0Earning assets
  • $915Long-term assets (5+ years)
  • $185,976Average Assets, year-to-date
  • $57,764Average Assets, quarterly
  • $195,221Volatile liabilities
  • $199,883Insider loans
  • $141,617FHLB advances
  • $199,934Loans and leases held for sale
  • $3,441Unused loan commitments
  • $3,441Tier 1 (core) risk-based capital
  • $21,151Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $7,446Restructured Loans and leases
  • $690Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $8,650Total interest income
  • $1,539Total interest expense
  • $7,111Net interest income
  • $520Provision for loan and lease losses
  • $1,068Total noninterest income
  • $0Fiduciary activities
  • $491Service charges on deposit accounts
  • $0Trading account gains & fees
  • $577Additional noninterest income
  • $4,174Total noninterest expense
  • $2,350Salaries and employee benefits
  • $713Premises and equipment expense
  • $1,111Additional noninterest expense
  • $3,485Pre-tax net operating income
  • $2Securities gains (losses)
  • $1,167Applicable income taxes
  • $2,320Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,320Net income attributable to bank
  • $0Net charge-offs
  • $2,320Cash dividends
  • $60Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.75%Yield on earning assets
  • 0.85%Cost of funding earning assets
  • 3.91%Net interest margin
  • 0.59%Noninterest income to earning assets
  • 2.29%Noninterest expense to earning assets
  • 1.19%Net operating income to assets
  • 1.19%Return on assets (ROA)
  • 1.79%Pretax return on assets
  • 11.47%Return on equity (ROE)
  • 11.47%Retained earnings to average equity (YTD only)
  • 0.04%Net charge-offs to loans
  • 866.67%Credit loss provision to net charge-offs
  • 66.75%Efficiency ratio
  • 51,033Assets per employee
  • 3.75%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.47%Loss allowance to noncurrent loans
  • 68.78%Noncurrent assets plus other real estate owned to assets
  • 2.51%Noncurrent loans to loans
  • 3.60%Net loans and leases to deposits
  • 73.71%Net loans and leases to core deposits
  • 74.48%Equity capital to assets
  • 10.78%Core capital (leverage) ratio
  • 10.58%Tier 1 risk-based capital ratio
  • 14.94%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $195,221Average earning assets
  • $20,235Average equity
  • $181,949Average loans

List of branches

  • 5 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06927The Bank Of Carbondale216 East Main Street, Carbondale, IL 62901April 04, 1919Full Service Brick and Mortar
    3223026Vergennes Branch640 Hack Avenue, Vergennes, IL 62994December 19, 1994Full Service Brick and Mortar
    4223027Murphysboro Branch900 Walnut Street, Murphysboro, IL 62966August 26, 1996Full Service Brick and Mortar
    5447417Carterville BranchWest Plaza Drive, Carterville, IL 62918January 23, 2006Full Service Brick and Mortar
    7428775Carbondale Drive Thru Branch1399 East Main Street, Carbondale, IL 62901December 17, 2003Limited Service Facility

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