The First National Bank and Trust Company in Beloit, Wisconsin (WI), IL

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The First National Bank and Trust Company
GeneralFDIC Certificate #: 5285
Status: Active
Federal Reserve ID: 207845
Bank Holding Company (Regulatory Top Holder): Centre 1 Bancorp, Inc. (RSSDID: 1209042, Location: Beloit, WI)
Date Established: July 01, 1882
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: 14 (Domestic: 14, Interstate: Yes)
OTS Docket #: 10388
FDIC's unique #: 3553
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: Commercial Lending Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: November 06, 2009
Last Structure Change Process Date: December 03, 2009
Last Data Update: December 03, 2009
Data Source Date: April 05, 2012
LocationAddress: 345 East Grand Avenue, Beloit, WI 53511
County: Rock
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Madison
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Central
Metropolitan Statistical Area (MSA): Janesville-Beloit, WI (#3620)
Core Based Statistical Area (CBSA): Janesville, WI (#27500)
CBSA Metro Statistical Area: Janesville, WI (#27500)
History of ChangesOffice Purchased
Financial SummaryTotal assets: $834.5 mil
Equity capital: $87.7 mil
Deposits held in domestic offices: $661.8 mil
Return on assets (ROA): 0.68% ($5.7 mil)
Quarterly return on assets: 0.61% ($5.1 mil)
Return on Equity (ROE): 6.82% ($6.0 mil)
Quarterly return on equity: 5.78% ($5.1 mil)
Net income: $5.7 mil
Quarterly Net income: $1.3 mil
Pretax return on assets: 0.84% ($7,010.0 mil)
Quarterly Pretax return on assets: 0.77% ($6,425.8 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)
Total employees (full-time equivalent)228
Total assets$834,525
Cash and due from depository institutions$36,315
Interest-bearing balances$6,782
Federal funds sold & reverse repurchase agreements$2,062
Net loans & leases$457,950
Loan loss allowance $8,274
Trading account assets$0
Bank premises and fixed assets$18,725
Other real estate owned$1,581
Goodwill and other intangibles$12,059
All other assets$12,097
Life insurance assets$834,525
Total liabilities and capital$746,792
Total liabilities$661,842
Total deposits$518,466
Interest-bearing deposits$661,842
Deposits held in domestic offices$84
% insured (estimated)47641.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$32,000
Other borrowed funds $0
Subordinated debt $5,309
All other liabilities $87,733
Total equity capital$87,733
Total bank equity capital$87,733
Perpetual preferred stock$0
Common stock$1,200
Undivided profits $62,035
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $1,044
Income earned, not collected on loans $1,386
Earning assets $0
Long-term assets (5+ years) $3,749
Average Assets, year-to-date $760,530
Average Assets, quarterly $109,823
Volatile liabilities $838,485
Insider loans $825,417
FHLB advances $554,718
Loans and leases held for sale $796,196
Unused loan commitments $606
Tier 1 (core) risk-based capital $606
Tier 2 risk-based capital $72,832
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $109,886
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $32,520
Total interest expense $6,562
Net interest income $25,958
Provision for loan and lease losses $3,737
Total noninterest income $9,494
Fiduciary activities $1,537
Service charges on deposit accounts $3,881
Trading account gains & fees $0
Additional noninterest income $4,076
Total noninterest expense $24,725
Salaries and employee benefits $13,712
Premises and equipment expense $2,963
Additional noninterest expense $8,050
Pre-tax net operating income $6,990
Securities gains (losses) $72
Applicable income taxes $1,357
Income before extraordinary items $5,705
Extraordinary gains - net $0
Net income attributable to bank $5,705
Net charge-offs $0
Cash dividends $5,705
Sale, conversion, retirement of capital stock, net $3,459
Net operating income $1,902
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.18%
Cost of funding earning assets 0.84%
Net interest margin 3.34%
Noninterest income to earning assets 1.22%
Noninterest expense to earning assets 3.18%
Net operating income to assets 0.67%
Return on assets (ROA) 0.68%
Pretax return on assets 0.84%
Return on equity (ROE) 6.82%
Retained earnings to average equity (YTD only) 4.54%
Net charge-offs to loans 0.74%
Credit loss provision to net charge-offs 108.04%
Efficiency ratio3.10%
Assets per employee$68,476
Cash dividends to net income (YTD only)3.66%
Condition Ratios (%)
Loss allowance to loans 33.34%
Loss allowance to noncurrent loans 1.77%
Noncurrent assets plus other real estate owned to assets 596.97%
Noncurrent loans to loans 0.83%
Net loans and leases to deposits0.30%
Net loans and leases to core deposits 69.19%
Equity capital to assets 72.36%
Core capital (leverage) ratio 10.51%
Tier 1 risk-based capital ratio 9.15%
Total risk-based capital ratio 13.13%
Average assets$14
Average earning assets$838,485
Average equity $83,680
Average loans $777,932
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$277,814
Number of Accounts1
Personal trust and agency accounts$180,095
Employee benefit-defined contribution accounts$41,111
Employee benefit-defined benefit accounts$61
Other retirement accounts$0
Corporate trust and agency accounts$26,948
Investment management agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$10,421
Non-managed Assets$101,554
Number of Accounts387
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$26,948
Employee benefit-defined benefit accounts$0
Other retirement accounts$97,719
Corporate trust and agency accounts$30,038
Other fiduciary accounts$2,961
Fiduciary accounts held in foreign offices$6,847
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3 Illinois Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
611808Rockton Branch300 East Main Street, Rockton, IL 61072May 24, 1958Full Service Brick and Mortar
7243045Roscoe Branch5360 Bridge St, Roscoe, IL 61073October 30, 1979Full Service Brick and Mortar
812826Winnebago Branch500 North Elida Street, Winnebago, IL 61088December 20, 1963Full Service Brick and Mortar
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10 Wisconsin Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
03553The First National Bank And Trust Co345 East Grand Avenue, Beloit, WI 53511July 01, 1882Full Service Brick and Mortar
2207422Inman Parkway Branch1882 Inman Parkway, Beloit, WI 53511July 08, 1968Full Service Brick and Mortar
4207424The Madison Road Branch1795 Madison Road, Beloit, WI 53511January 10, 1983Full Service Brick and Mortar
9364769Cranston Rd. Branch2600 Cranston Rd., Beloit, WI 53511July 12, 2001Full Service Brick and Mortar
12233495Clinton Branch500 Peck Drive, Clinton, WI 53525June 13, 1979Full Service Brick and Mortar
13233496Darien Branch218 N Walworth St, Darien, WI 53114January 18, 1995Full Service Brick and Mortar
14470513Janesville Branch2636 South Highway 51, Janesville, WI 53546December 12, 2007Full Service Brick and Mortar
153575Monroe Branch1625 Tenth Street, Monroe, WI 53566January 01, 1856Full Service Brick and Mortar
16207536Motor Bank Branch1919 Tenth Street, Monroe, WI 53566September 18, 1979Limited Service Facility
178093Argyle Branch321 Milwaukee Street, Argyle, WI 53504July 07, 1895Full Service Brick and Mortar
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