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

The First National Bank in Carlyle - Overview

  • General
  • FDIC Certificate #: 14761
    Status: Active
    Federal Reserve ID: 614948
    Bank Holding Company (Regulatory Top Holder): First National Bancorporation In Carlyle, Inc. (RSSDID: 1099618, Location: Carlyle, IL)
    Date Established: January 01, 1878
    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: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 10905
    FDIC's unique #: 9231
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: June 30, 2006
    Last Structure Change Process Date: October 12, 2006
    Last Data Update: October 12, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 891 Fairfax Street, Carlyle, IL 62231
    County: Clinton
    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
    Metropolitan Statistical Area (MSA): St. Louis, MO-IL (#7040)
    Combined Statistical Area (CSA): St. Louis-St. Charles-Farmington, MO-IL (#476)
    Core Based Statistical Area (CBSA): St. Louis, MO-IL (#41180)
    CBSA Metro Statistical Area: St. Louis, MO-IL (#41180)
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $150.5 mil
    Equity capital: $19.0 mil
    Deposits held in domestic offices: $113.3 mil
    Return on assets (ROA): 0.95% ($1.4 mil)
    Quarterly return on assets: 1.10% ($1.6 mil)
    Return on Equity (ROE): 7.82% ($1.5 mil)
    Quarterly return on equity: 8.93% ($1.7 mil)
    Net income: $1.5 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.35% ($2,031.6 mil)
    Quarterly Pretax return on assets: 1.64% ($2,468.0 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)
  • $150,489Total assets
  • $4,129Cash and due from depository institutions
  • $2,987Interest-bearing balances
  • $67,790Securities
  • $2,409Federal funds sold & reverse repurchase agreements
  • $69,817Net loans & leases
  • $848Loan loss allowance
  • $0Trading account assets
  • $1,993Bank premises and fixed assets
  • $0Other real estate owned
  • $53Goodwill and other intangibles
  • $150,489Life insurance assets
  • $4,298All other assets
  • $131,461Total liabilities and capital
  • $113,329Total liabilities
  • $100,845Total deposits
  • $113,329Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 13244.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $4,079Trading liabilities
  • $0Other borrowed funds
  • $809Subordinated debt
  • $19,028All other liabilities
  • $19,028Total equity capital
  • $19,028Total bank equity capital
  • $0Perpetual preferred stock
  • $750Common stock
  • $750Surplus
  • $17,528Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $316Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $63Income earned, not collected on loans
  • $0Earning assets
  • $709Long-term assets (5+ years)
  • $143,003Average Assets, year-to-date
  • $19,681Average Assets, quarterly
  • $153,583Volatile liabilities
  • $154,613Insider loans
  • $81,555FHLB advances
  • $153,855Loans and leases held for sale
  • $2,599Unused loan commitments
  • $2,093Tier 1 (core) risk-based capital
  • $19,169Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $506Total unused commitments
  • $9,450Restructured Loans and leases
  • $263Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,680Total interest income
  • $1,263Total interest expense
  • $4,417Net interest income
  • $153Provision for loan and lease losses
  • $978Total noninterest income
  • $68Fiduciary activities
  • $275Service charges on deposit accounts
  • $0Trading account gains & fees
  • $635Additional noninterest income
  • $3,206Total noninterest expense
  • $1,898Salaries and employee benefits
  • $393Premises and equipment expense
  • $915Additional noninterest expense
  • $2,036Pre-tax net operating income
  • $38Securities gains (losses)
  • $614Applicable income taxes
  • $1,460Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,460Net income attributable to bank
  • $0Net charge-offs
  • $1,460Cash dividends
  • $247Sale, conversion, retirement of capital stock, net
  • $300Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.90%Yield on earning assets
  • 0.87%Cost of funding earning assets
  • 3.03%Net interest margin
  • 0.67%Noninterest income to earning assets
  • 2.20%Noninterest expense to earning assets
  • 0.93%Net operating income to assets
  • 0.95%Return on assets (ROA)
  • 1.35%Pretax return on assets
  • 7.82%Return on equity (ROE)
  • 6.21%Retained earnings to average equity (YTD only)
  • 0.36%Net charge-offs to loans
  • 61.94%Credit loss provision to net charge-offs
  • 8.86%Efficiency ratio
  • 59,425Assets per employee
  • 4.85%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 20.55%Loss allowance to loans
  • 1.20%Loss allowance to noncurrent loans
  • 1346.03%Noncurrent assets plus other real estate owned to assets
  • 0.04%Noncurrent loans to loans
  • 0.09%Net loans and leases to deposits
  • 61.61%Net loans and leases to core deposits
  • 61.94%Equity capital to assets
  • 12.64%Core capital (leverage) ratio
  • 12.46%Tier 1 risk-based capital ratio
  • 23.50%Total risk-based capital ratio
  • Memoranda
  • $25Average assets
  • $153,583Average earning assets
  • $18,681Average equity
  • $145,780Average 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
  • $25,994Managed Assets
  • 1Number of Accounts
  • $19,738Personal trust and agency accounts
  • $12,676Employee benefit-defined contribution accounts
  • $2,460Employee benefit-defined benefit accounts
  • $4,172Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $430Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 83Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $6,256Other retirement accounts
  • $1,933Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $1,856Fiduciary accounts held in foreign offices

List of branches

  • 3 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09231The First National Bank In Carlyle891 Fairfax Street, Carlyle, IL 62231January 01, 1878Full Service Brick and Mortar
    12320781350 12th Street Facility1350 12th Street, Carlyle, IL 62231June 19, 1969Full Service Brick and Mortar
    2466427Aviston Branch500 West Harrison Street, Aviston, IL 62216January 22, 2007Full Service Brick and Mortar

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