The First National Bank in Mattoon, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

The First National Bank - Overview

  • General
  • FDIC Certificate #: 3817
    Status: Active
    Federal Reserve ID: 388940
    Bank Holding Company (Regulatory Top Holder): Mgb Bancshares, Inc. (RSSDID: 1407071, Location: Mattoon, IL)
    Date Established: September 01, 1904
    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 #: 14344
    FDIC's unique #: 2478
    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: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: Febuary 18, 2010
    Last Structure Change Process Date: Febuary 18, 2010
    Last Data Update: Febuary 18, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 511 Lake Land Boulevard, Mattoon, IL 61938
    County: Coles
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Champaign
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Core Based Statistical Area (CBSA): Charleston-Mattoon, IL (#16660)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $67.4 mil
    Equity capital: $7.9 mil
    Deposits held in domestic offices: $58.4 mil
    Return on assets (ROA): 0.98% ($0.7 mil)
    Quarterly return on assets: 1.11% ($0.7 mil)
    Return on Equity (ROE): 8.58% ($0.7 mil)
    Quarterly return on equity: 9.38% ($0.8 mil)
    Net income: $0.6 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.98% ($660.8 mil)
    Quarterly Pretax return on assets: 1.11% ($748.5 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
  • 20Total employees (full-time equivalent)
  • $67,430Total assets
  • $5,430Cash and due from depository institutions
  • $3,049Interest-bearing balances
  • $22,529Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $33,283Net loans & leases
  • $447Loan loss allowance
  • $0Trading account assets
  • $1,674Bank premises and fixed assets
  • $370Other real estate owned
  • $153Goodwill and other intangibles
  • $67,430Life insurance assets
  • $3,991All other assets
  • $59,488Total liabilities and capital
  • $58,362Total liabilities
  • $51,317Total deposits
  • $58,362Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 852.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $274Subordinated debt
  • $7,942All other liabilities
  • $7,942Total equity capital
  • $7,942Total bank equity capital
  • $0Perpetual preferred stock
  • $3,000Common stock
  • $3,000Surplus
  • $1,942Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $397Income earned, not collected on loans
  • $0Earning assets
  • $222Long-term assets (5+ years)
  • $58,861Average Assets, year-to-date
  • $15,930Average Assets, quarterly
  • $65,877Volatile liabilities
  • $67,297Insider loans
  • $41,952FHLB advances
  • $67,449Loans and leases held for sale
  • $2,179Unused loan commitments
  • $1,854Tier 1 (core) risk-based capital
  • $7,353Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $325Total unused commitments
  • $3,255Restructured Loans and leases
  • $1,298Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,772Total interest income
  • $609Total interest expense
  • $2,163Net interest income
  • $90Provision for loan and lease losses
  • $739Total noninterest income
  • $222Fiduciary activities
  • $181Service charges on deposit accounts
  • $0Trading account gains & fees
  • $336Additional noninterest income
  • $2,314Total noninterest expense
  • $1,140Salaries and employee benefits
  • $304Premises and equipment expense
  • $870Additional noninterest expense
  • $498Pre-tax net operating income
  • $149Securities gains (losses)
  • $0Applicable income taxes
  • $647Income before extraordinary items
  • $0Extraordinary gains - net
  • $647Net income attributable to bank
  • $0Net charge-offs
  • $647Cash dividends
  • $120Sale, conversion, retirement of capital stock, net
  • $140Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.81%Yield on earning assets
  • 1.06%Cost of funding earning assets
  • 3.75%Net interest margin
  • 1.28%Noninterest income to earning assets
  • 4.01%Noninterest expense to earning assets
  • 0.76%Net operating income to assets
  • 0.98%Return on assets (ROA)
  • 0.98%Pretax return on assets
  • 8.58%Return on equity (ROE)
  • 6.72%Retained earnings to average equity (YTD only)
  • 0.36%Net charge-offs to loans
  • 75.00%Credit loss provision to net charge-offs
  • 4.90%Efficiency ratio
  • 79,738Assets per employee
  • 3.37%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 21.64%Loss allowance to loans
  • 1.33%Loss allowance to noncurrent loans
  • 112.59%Noncurrent assets plus other real estate owned to assets
  • 1.14%Noncurrent loans to loans
  • 1.18%Net loans and leases to deposits
  • 57.03%Net loans and leases to core deposits
  • 58.19%Equity capital to assets
  • 11.78%Core capital (leverage) ratio
  • 10.90%Tier 1 risk-based capital ratio
  • 17.53%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $65,877Average earning assets
  • $7,541Average equity
  • $57,637Average 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
  • $25,811Managed Assets
  • 1Number of Accounts
  • $19,720Personal trust and agency accounts
  • $12,362Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $478Corporate trust and agency accounts
  • $1Investment management agency accounts
  • $0Other fiduciary accounts
  • $6,879Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 154Number of Accounts
  • $0Personal trust and agency accounts
  • $478Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $6,091Other retirement accounts
  • $66Corporate trust and agency accounts
  • $239Other fiduciary accounts
  • $5,786Fiduciary accounts held in foreign offices

List of branches

  • 2 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02478The First National Bank511 Lake Land Boulevard, Mattoon, IL 61938September 01, 1904Full Service Brick and Mortar
    3201957Jumpin' Jimmy's Conven. Store Branch1121 Broadway Avenue East, Suite 3, Mattoon, IL 61938September 13, 1999Full Service Brick and Mortar

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