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

The First National Bank of Carmi - Overview

  • General
  • FDIC Certificate #: 3777
    Status: Active
    Federal Reserve ID: 209148
    Bank Holding Company (Regulatory Top Holder): Southern Illinois Bancorp, Inc. (RSSDID: 1098929, Location: Carmi, IL)
    Date Established: December 20, 1893
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 9 (Domestic: 9, Interstate: Yes)
    OTS Docket #: 14587
    FDIC's unique #: 2440
    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: 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: 201 East Main Street, Carmi, IL 62821
    County: White
    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
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $355.8 mil
    Equity capital: $33.8 mil
    Deposits held in domestic offices: $320.3 mil
    Return on assets (ROA): 0.66% ($2.3 mil)
    Quarterly return on assets: 0.50% ($1.8 mil)
    Return on Equity (ROE): 7.33% ($2.5 mil)
    Quarterly return on equity: 5.14% ($1.7 mil)
    Net income: $2.1 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 0.96% ($3,415.5 mil)
    Quarterly Pretax return on assets: 0.64% ($2,277.0 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
  • 89Total employees (full-time equivalent)
  • $355,782Total assets
  • $56,454Cash and due from depository institutions
  • $46,300Interest-bearing balances
  • $71,024Securities
  • $1,577Federal funds sold & reverse repurchase agreements
  • $209,327Net loans & leases
  • $2,373Loan loss allowance
  • $0Trading account assets
  • $8,817Bank premises and fixed assets
  • $2,065Other real estate owned
  • $2,459Goodwill and other intangibles
  • $355,782Life insurance assets
  • $4,059All other assets
  • $321,938Total liabilities and capital
  • $320,257Total liabilities
  • $25,620Total deposits
  • $320,257Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,681Subordinated debt
  • $33,844All other liabilities
  • $33,844Total equity capital
  • $33,844Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $18,089Surplus
  • $15,555Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $424Income earned, not collected on loans
  • $0Earning assets
  • $1,793Long-term assets (5+ years)
  • $328,228Average Assets, year-to-date
  • $61,122Average Assets, quarterly
  • $325,342Volatile liabilities
  • $347,629Insider loans
  • $231,697FHLB advances
  • $349,368Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $30,479Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $42,919Restructured Loans and leases
  • $2,494Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $13,497Total interest income
  • $2,701Total interest expense
  • $10,796Net interest income
  • $644Provision for loan and lease losses
  • $2,972Total noninterest income
  • $5Fiduciary activities
  • $819Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,148Additional noninterest income
  • $10,023Total noninterest expense
  • $5,826Salaries and employee benefits
  • $1,359Premises and equipment expense
  • $2,838Additional noninterest expense
  • $3,101Pre-tax net operating income
  • $24Securities gains (losses)
  • $987Applicable income taxes
  • $2,138Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,138Net income attributable to bank
  • $0Net charge-offs
  • $2,138Cash dividends
  • $457Sale, conversion, retirement of capital stock, net
  • $673Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.51%Yield on earning assets
  • 0.90%Cost of funding earning assets
  • 3.60%Net interest margin
  • 0.99%Noninterest income to earning assets
  • 3.35%Noninterest expense to earning assets
  • 0.65%Net operating income to assets
  • 0.66%Return on assets (ROA)
  • 0.96%Pretax return on assets
  • 7.33%Return on equity (ROE)
  • 5.02%Retained earnings to average equity (YTD only)
  • 0.23%Net charge-offs to loans
  • 140.92%Credit loss provision to net charge-offs
  • 8.19%Efficiency ratio
  • 72,501Assets per employee
  • 4.00%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 31.48%Loss allowance to loans
  • 1.12%Loss allowance to noncurrent loans
  • 559.67%Noncurrent assets plus other real estate owned to assets
  • 0.70%Noncurrent loans to loans
  • 0.20%Net loans and leases to deposits
  • 65.36%Net loans and leases to core deposits
  • 68.14%Equity capital to assets
  • 9.51%Core capital (leverage) ratio
  • 8.72%Tier 1 risk-based capital ratio
  • 13.15%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $325,342Average earning assets
  • $29,159Average equity
  • $299,520Average 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
  • $195Managed Assets
  • 1Number of Accounts
  • $195Personal trust and agency accounts
  • $195Employee 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
  • $0Non-managed Assets
  • 9Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 5 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02440The First National Bank Of Carmi201 East Main Street, Carmi, IL 62821December 20, 1893Full Service Brick and Mortar
    1201899West Carmi Branch1200 West Main Street, Carmi, IL 62821April 14, 1990Limited Service Facility
    4201900Grayville Branch102 S Court St, Grayville, IL 62844September 15, 1996Full Service Brick and Mortar
    6282271Albion Branch26 East Elm Street, Albion, IL 62806January 01, 1879Full Service Brick and Mortar
    7696Mount Carmel Branch601 Market Street, Mount Carmel, IL 62863July 01, 1937Full Service Brick and Mortar
  • 4 Indiana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    8445486Mount Vernon Branch450 Southwind Plaza, Mount Vernon, IN 47620September 01, 2005Full Service Brick and Mortar
    9468929Poseyville BranchState Route 165 And Frontage Road, Poseyville, IN 47633September 10, 2007Full Service Brick and Mortar
    10480729Princeton Branch2820 W Broadway, Princeton, IN 47670May 14, 2008Full Service Brick and Mortar
    12515762Evansville, Indiana Branch7506 Eagle Crest Boulevard, Evansville, IN 47715January 07, 2011Full Service Brick and Mortar

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