The Central National Bank and Trust Company in Attica, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Central National Bank and Trust Company - Overview

  • General
  • FDIC Certificate #: 10040
    Status: Active
    Federal Reserve ID: 378642
    Bank Holding Company (Regulatory Top Holder): Cnb Bancorp (RSSDID: 1821015, Location: Attica, IN)
    Date Established: June 05, 1887
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 9787
    FDIC's unique #: 6417
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion
    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: 2 South Perry Street, Attica, IN 47918
    County: Fountain
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Indianapolis
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
  • History of Changes
  • Change in Location
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $61.6 mil
    Equity capital: $11.9 mil
    Deposits held in domestic offices: $46.1 mil
    Return on assets (ROA): 0.60% ($0.4 mil)
    Quarterly return on assets: 0.73% ($0.5 mil)
    Return on Equity (ROE): 2.97% ($0.4 mil)
    Quarterly return on equity: 3.73% ($0.4 mil)
    Net income: $0.4 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.71% ($437.1 mil)
    Quarterly Pretax return on assets: 0.76% ($467.9 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
  • 13Total employees (full-time equivalent)
  • $61,564Total assets
  • $14,518Cash and due from depository institutions
  • $13,939Interest-bearing balances
  • $29,813Securities
  • $325Federal funds sold & reverse repurchase agreements
  • $15,703Net loans & leases
  • $855Loan loss allowance
  • $0Trading account assets
  • $381Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $61,564Life insurance assets
  • $824All other assets
  • $49,616Total liabilities and capital
  • $46,101Total liabilities
  • $32,336Total deposits
  • $46,101Interest-bearing deposits
  • $81Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $3,500Trading liabilities
  • $0Other borrowed funds
  • $15Subordinated debt
  • $11,948All other liabilities
  • $11,948Total equity capital
  • $11,948Total bank equity capital
  • $0Perpetual preferred stock
  • $400Common stock
  • $400Surplus
  • $11,148Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $329Long-term assets (5+ years)
  • $59,780Average Assets, year-to-date
  • $26,082Average Assets, quarterly
  • $58,358Volatile liabilities
  • $61,437Insider loans
  • $25,577FHLB advances
  • $61,419Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $11,835Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,986Restructured Loans and leases
  • $2,943Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,688Total interest income
  • $169Total interest expense
  • $1,519Net interest income
  • $75Provision for loan and lease losses
  • $141Total noninterest income
  • $20Fiduciary activities
  • $48Service charges on deposit accounts
  • $0Trading account gains & fees
  • $73Additional noninterest income
  • $1,236Total noninterest expense
  • $691Salaries and employee benefits
  • $246Premises and equipment expense
  • $299Additional noninterest expense
  • $349Pre-tax net operating income
  • $68Securities gains (losses)
  • $65Applicable income taxes
  • $352Income before extraordinary items
  • $0Extraordinary gains - net
  • $352Net income attributable to bank
  • $0Net charge-offs
  • $352Cash dividends
  • -$56Sale, conversion, retirement of capital stock, net
  • $228Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.01%Yield on earning assets
  • 0.30%Cost of funding earning assets
  • 2.71%Net interest margin
  • 0.25%Noninterest income to earning assets
  • 2.20%Noninterest expense to earning assets
  • 0.51%Net operating income to assets
  • 0.60%Return on assets (ROA)
  • 0.71%Pretax return on assets
  • 2.97%Return on equity (ROE)
  • 1.05%Retained earnings to average equity (YTD only)
  • -0.33%Net charge-offs to loans
  • -133.93%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 74,458Assets per employee
  • 4.74%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 64.77%Loss allowance to loans
  • 5.16%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 34.06%Net loans and leases to core deposits
  • 34.80%Equity capital to assets
  • 19.41%Core capital (leverage) ratio
  • 19.27%Tier 1 risk-based capital ratio
  • 46.27%Total risk-based capital ratio
  • Memoranda
  • $48Average assets
  • $58,358Average earning assets
  • $11,865Average equity
  • $56,138Average 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
  • $23,367Managed Assets
  • 1Number of Accounts
  • $23,367Personal trust and agency accounts
  • $23,367Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 19Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 2 Indiana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06417The Central National Bank And Trust2 South Perry Street, Attica, IN 47918June 05, 1887Full Service Brick and Mortar
    2221728Jackson Street Branch307 East Jackson Street, Attica, IN 47918October 26, 1981Full Service Brick and Mortar

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