The First Bank and Trust Company of Murphysboro in Murphysboro, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

The First Bank and Trust Company of Murphysboro - Overview

  • General
  • FDIC Certificate #: 3818
    Status: Active
    Federal Reserve ID: 303747
    Bank Holding Company (Regulatory Top Holder): First Of Murphysboro Corp. (RSSDID: 1097678, Location: Murphysboro, IL)
    Date Established: January 01, 1889
    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 #: 2479
    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: 1403 Walnut Street, Murphysboro, IL 62966
    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
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $65.1 mil
    Equity capital: $7.5 mil
    Deposits held in domestic offices: $55.3 mil
    Return on assets (ROA): 0.61% ($0.4 mil)
    Quarterly return on assets: 0.61% ($0.4 mil)
    Return on Equity (ROE): 5.44% ($0.4 mil)
    Quarterly return on equity: 5.33% ($0.4 mil)
    Net income: $0.4 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.57% ($370.9 mil)
    Quarterly Pretax return on assets: 0.56% ($364.4 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
  • 31Total employees (full-time equivalent)
  • $65,070Total assets
  • $2,513Cash and due from depository institutions
  • $254Interest-bearing balances
  • $22,103Securities
  • $1,453Federal funds sold & reverse repurchase agreements
  • $37,136Net loans & leases
  • $485Loan loss allowance
  • $0Trading account assets
  • $556Bank premises and fixed assets
  • $124Other real estate owned
  • $0Goodwill and other intangibles
  • $65,070Life insurance assets
  • $1,185All other assets
  • $57,543Total liabilities and capital
  • $55,277Total liabilities
  • $47,860Total deposits
  • $55,277Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 2010.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $256Subordinated debt
  • $7,527All other liabilities
  • $7,527Total equity capital
  • $7,527Total bank equity capital
  • $0Perpetual preferred stock
  • $319Common stock
  • $2,431Surplus
  • $4,777Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $202Income earned, not collected on loans
  • $0Earning assets
  • $307Long-term assets (5+ years)
  • $60,946Average Assets, year-to-date
  • $16,196Average Assets, quarterly
  • $64,303Volatile liabilities
  • $65,846Insider loans
  • $52,498FHLB advances
  • $64,574Loans and leases held for sale
  • $511Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $7,032Tier 2 risk-based capital
  • $511Total risk weighted assets
  • $0Total unused commitments
  • $4,665Restructured Loans and leases
  • $1,052Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,099Total interest income
  • $464Total interest expense
  • $2,635Net interest income
  • $30Provision for loan and lease losses
  • $291Total noninterest income
  • $44Fiduciary activities
  • $156Service charges on deposit accounts
  • $0Trading account gains & fees
  • $91Additional noninterest income
  • $2,532Total noninterest expense
  • $1,359Salaries and employee benefits
  • $233Premises and equipment expense
  • $940Additional noninterest expense
  • $364Pre-tax net operating income
  • $5Securities gains (losses)
  • -$24Applicable income taxes
  • $393Income before extraordinary items
  • $0Extraordinary gains - net
  • $393Net income attributable to bank
  • $0Net charge-offs
  • $393Cash dividends
  • $57Sale, conversion, retirement of capital stock, net
  • $147Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.12%Yield on earning assets
  • 0.77%Cost of funding earning assets
  • 4.36%Net interest margin
  • 0.48%Noninterest income to earning assets
  • 4.19%Noninterest expense to earning assets
  • 0.60%Net operating income to assets
  • 0.61%Return on assets (ROA)
  • 0.57%Pretax return on assets
  • 5.44%Return on equity (ROE)
  • 3.40%Retained earnings to average equity (YTD only)
  • 0.15%Net charge-offs to loans
  • 52.63%Credit loss provision to net charge-offs
  • 6.91%Efficiency ratio
  • 86,535Assets per employee
  • 2.10%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 37.40%Loss allowance to loans
  • 1.29%Loss allowance to noncurrent loans
  • 240.10%Noncurrent assets plus other real estate owned to assets
  • 0.50%Noncurrent loans to loans
  • 0.54%Net loans and leases to deposits
  • 67.18%Net loans and leases to core deposits
  • 70.43%Equity capital to assets
  • 11.57%Core capital (leverage) ratio
  • 10.89%Tier 1 risk-based capital ratio
  • 13.39%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $64,303Average earning assets
  • $7,226Average equity
  • $60,477Average 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
  • $8,627Managed Assets
  • 1Number of Accounts
  • $7,213Personal trust and agency accounts
  • $7,032Employee 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
  • $181Non-managed Assets
  • 71Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $1,414Other retirement accounts
  • $146Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $1,236Fiduciary accounts held in foreign offices

List of branches

  • 3 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02479The First Bank And Trust Company Of1403 Walnut Street, Murphysboro, IL 62966January 01, 1889Full Service Brick and Mortar
    235829914th Street Branch110 South 14th Street, Murphysboro, IL 62966October 04, 2000Limited Service Facility
    3448834Carbondale Branch2471 West Main Street, Carbondale, IL 62901January 17, 2006Full Service Retail

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