The First National Bank of Carmi in Carmi, Illinois (IL), IN



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The First National Bank of Carmi routing number info

Table of contents:
The First National Bank of Carmi
GeneralFDIC 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
WWW: http://www.firstbank.bz
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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)89
Total assets$355,782
Cash and due from depository institutions$56,454
Interest-bearing balances$46,300
Securities$71,024
Federal funds sold & reverse repurchase agreements$1,577
Net loans & leases$209,327
Loan loss allowance $2,373
Trading account assets$0
Bank premises and fixed assets$8,817
Other real estate owned$2,065
Goodwill and other intangibles$2,459
All other assets$4,059
Life insurance assets$355,782
Total liabilities and capital$321,938
Total liabilities$320,257
Total deposits$25,620
Interest-bearing deposits$320,257
Deposits held in domestic offices$90
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $1,681
All other liabilities $33,844
Total equity capital$33,844
Total bank equity capital$33,844
Perpetual preferred stock$0
Common stock$200
Surplus$18,089
Undivided profits $15,555
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $424
Earning assets $0
Long-term assets (5+ years) $1,793
Average Assets, year-to-date $328,228
Average Assets, quarterly $61,122
Volatile liabilities $325,342
Insider loans $347,629
FHLB advances $231,697
Loans and leases held for sale $349,368
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $30,479
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $42,919
Derivatives$2,494
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $13,497
Total interest expense $2,701
Net interest income $10,796
Provision for loan and lease losses $644
Total noninterest income $2,972
Fiduciary activities $5
Service charges on deposit accounts $819
Trading account gains & fees $0
Additional noninterest income $2,148
Total noninterest expense $10,023
Salaries and employee benefits $5,826
Premises and equipment expense $1,359
Additional noninterest expense $2,838
Pre-tax net operating income $3,101
Securities gains (losses) $24
Applicable income taxes $987
Income before extraordinary items $2,138
Extraordinary gains - net $0
Net income attributable to bank $2,138
Net charge-offs $0
Cash dividends $2,138
Sale, conversion, retirement of capital stock, net $457
Net operating income $673
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.51%
Cost of funding earning assets 0.90%
Net interest margin 3.60%
Noninterest income to earning assets 0.99%
Noninterest expense to earning assets 3.35%
Net operating income to assets 0.65%
Return on assets (ROA) 0.66%
Pretax return on assets 0.96%
Return on equity (ROE) 7.33%
Retained earnings to average equity (YTD only) 5.02%
Net charge-offs to loans 0.23%
Credit loss provision to net charge-offs 140.92%
Efficiency ratio8.19%
Assets per employee$72,501
Cash dividends to net income (YTD only)4.00%
Condition Ratios (%)
Loss allowance to loans 31.48%
Loss allowance to noncurrent loans 1.12%
Noncurrent assets plus other real estate owned to assets 559.67%
Noncurrent loans to loans 0.70%
Net loans and leases to deposits0.20%
Net loans and leases to core deposits 65.36%
Equity capital to assets 68.14%
Core capital (leverage) ratio 9.51%
Tier 1 risk-based capital ratio 8.72%
Total risk-based capital ratio 13.15%
Memoranda
Average assets$14
Average earning assets$325,342
Average equity $29,159
Average loans $299,520
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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$195
Number of Accounts1
Personal trust and agency accounts$195
Employee benefit-defined contribution accounts$195
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Investment management agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts9
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
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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
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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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