The City National Bank of Metropolis in Metropolis, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • The City National Bank of Metropolis in Metropolis, Illinois (IL)
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The City National Bank of Metropolis - Overview

  • General
  • FDIC Certificate #: 3814
    Status: Active
    Federal Reserve ID: 298245
    Bank Holding Company (Regulatory Top Holder): City National Bankcorp, Inc. (RSSDID: 1129672, Location: Metropolis, IL)
    Date Established: July 01, 1908
    WWW: http://www.cnb-metropolis.com
    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 #: 13107
    FDIC's unique #: 2475
    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: All Other Specialization < 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: 423 Ferry Street, Metropolis, IL 62960
    County: Massac
    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): Paducah-Mayfield, KY-IL (#424)
    Core Based Statistical Area (CBSA): Paducah, KY-IL (#37140)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $343.7 mil
    Equity capital: $39.4 mil
    Deposits held in domestic offices: $271.7 mil
    Return on assets (ROA): 1.50% ($5.2 mil)
    Quarterly return on assets: 1.41% ($4.9 mil)
    Return on Equity (ROE): 13.26% ($5.2 mil)
    Quarterly return on equity: 12.36% ($4.8 mil)
    Net income: $4.7 mil
    Quarterly Net income: $1.2 mil
    Pretax return on assets: 1.98% ($6,804.5 mil)
    Quarterly Pretax return on assets: 1.55% ($5,326.7 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
  • 45Total employees (full-time equivalent)
  • $343,660Total assets
  • $7,582Cash and due from depository institutions
  • $281Interest-bearing balances
  • $188,754Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $140,889Net loans & leases
  • $2,247Loan loss allowance
  • $0Trading account assets
  • $2,405Bank premises and fixed assets
  • $67Other real estate owned
  • $0Goodwill and other intangibles
  • $343,660Life insurance assets
  • $3,963All other assets
  • $304,299Total liabilities and capital
  • $271,663Total liabilities
  • $249,200Total deposits
  • $271,663Interest-bearing deposits
  • $86Deposits held in domestic offices
  • 3597.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $25,402Trading liabilities
  • $0Other borrowed funds
  • $3,637Subordinated debt
  • $39,361All other liabilities
  • $39,361Total equity capital
  • $39,361Total bank equity capital
  • $0Perpetual preferred stock
  • $400Common stock
  • $400Surplus
  • $38,561Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,230Income earned, not collected on loans
  • $0Earning assets
  • $2,055Long-term assets (5+ years)
  • $329,924Average Assets, year-to-date
  • $174,240Average Assets, quarterly
  • $315,317Volatile liabilities
  • $340,938Insider loans
  • $158,173FHLB advances
  • $335,073Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $35,377Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $14,950Restructured Loans and leases
  • $2,650Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $13,663Total interest income
  • $3,791Total interest expense
  • $9,872Net interest income
  • $950Provision for loan and lease losses
  • $962Total noninterest income
  • $0Fiduciary activities
  • $481Service charges on deposit accounts
  • $0Trading account gains & fees
  • $481Additional noninterest income
  • $4,642Total noninterest expense
  • $2,538Salaries and employee benefits
  • $447Premises and equipment expense
  • $1,657Additional noninterest expense
  • $5,242Pre-tax net operating income
  • $1,009Securities gains (losses)
  • $1,518Applicable income taxes
  • $4,733Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,733Net income attributable to bank
  • $0Net charge-offs
  • $4,733Cash dividends
  • $850Sale, conversion, retirement of capital stock, net
  • $1,182Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.49%Yield on earning assets
  • 1.25%Cost of funding earning assets
  • 3.25%Net interest margin
  • 0.32%Noninterest income to earning assets
  • 1.53%Noninterest expense to earning assets
  • 1.26%Net operating income to assets
  • 1.50%Return on assets (ROA)
  • 1.98%Pretax return on assets
  • 13.26%Return on equity (ROE)
  • 9.95%Retained earnings to average equity (YTD only)
  • 0.61%Net charge-offs to loans
  • 111.76%Credit loss provision to net charge-offs
  • 7.28%Efficiency ratio
  • 42,847Assets per employee
  • 7.64%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 24.97%Loss allowance to loans
  • 1.57%Loss allowance to noncurrent loans
  • 69.57%Noncurrent assets plus other real estate owned to assets
  • 0.96%Noncurrent loans to loans
  • 2.26%Net loans and leases to deposits
  • 51.86%Net loans and leases to core deposits
  • 61.88%Equity capital to assets
  • 11.45%Core capital (leverage) ratio
  • 10.56%Tier 1 risk-based capital ratio
  • 22.37%Total risk-based capital ratio
  • Memoranda
  • $24Average assets
  • $315,317Average earning assets
  • $35,698Average equity
  • $304,104Average loans

List of branches

  • 2 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02475The City National Bank Of Metropolis423 Ferry Street, Metropolis, IL 62960July 01, 1908Full Service Brick and Mortar
    1444390I-24 Branch2070 East 5th Street, Metropolis, IL 62960September 01, 2005Full Service Brick and Mortar

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