FDIC Certificate #: 18889 Status: Active Federal Reserve ID: 255547 Bank Holding Company (Regulatory Top Holder): Cbt Bancorp, Inc. (RSSDID: 3436927, Location: Trenton, IL) Date Established: September 17, 1963 WWW:http://www.banktrenton.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 12740 Numeric code: 21 Regulator: FDIC 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: Yes Subchapter S Corporations: Yes Asset Concentration Hierarchy: All Other Specialization < 1 Billion Date of Deposit Insurance: September 17, 1963 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: 104 East Broadway, Trenton, IL 62293 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
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $74.6 mil Equity capital: $9.1 mil Deposits held in domestic offices: $61.2 mil Return on assets (ROA): 0.89% ($0.7 mil) Quarterly return on assets: 0.63% ($0.5 mil) Return on Equity (ROE): 7.61% ($0.7 mil) Quarterly return on equity: 5.21% ($0.5 mil) Net income: $0.7 mil Quarterly Net income: $0.1 mil Pretax return on assets: 0.93% ($693.9 mil) Quarterly Pretax return on assets: 0.65% ($485.0 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
15Total employees (full-time equivalent)
$74,608Total assets
$3,889Cash and due from depository institutions
$2,465Interest-bearing balances
$17,633Securities
$99Federal funds sold & reverse repurchase agreements
$49,789Net loans & leases
$978Loan loss allowance
$0Trading account assets
$2,130Bank premises and fixed assets
$259Other real estate owned
$1Goodwill and other intangibles
$74,608Life insurance assets
$808All other assets
$65,549Total liabilities and capital
$61,203Total liabilities
$55,689Total deposits
$61,203Interest-bearing deposits
$99Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$4,252Trading liabilities
$0Other borrowed funds
$94Subordinated debt
$9,059All other liabilities
$9,059Total equity capital
$9,059Total bank equity capital
$0Perpetual preferred stock
$270Common stock
$600Surplus
$8,189Undivided profits
Memoranda
$0Noncurrent loans and leases
$176Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,068Income earned, not collected on loans
$0Earning assets
$318Long-term assets (5+ years)
$69,986Average Assets, year-to-date
$19,937Average Assets, quarterly
$73,685Volatile liabilities
$74,543Insider loans
$54,494FHLB advances
$75,324Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$8,530Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,612Restructured Loans and leases
$405Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$3,558Total interest income
$992Total interest expense
$2,566Net interest income
$620Provision for loan and lease losses
$331Total noninterest income
$0Fiduciary activities
$165Service charges on deposit accounts
$0Trading account gains & fees
$166Additional noninterest income
$1,594Total noninterest expense
$693Salaries and employee benefits
$235Premises and equipment expense
$666Additional noninterest expense
$683Pre-tax net operating income
$0Securities gains (losses)
$26Applicable income taxes
$657Income before extraordinary items
$0Extraordinary gains - net
$657Net income attributable to bank
$0Net charge-offs
$657Cash dividends
$371Sale, conversion, retirement of capital stock, net
$462Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.14%Yield on earning assets
1.43%Cost of funding earning assets
3.71%Net interest margin
0.48%Noninterest income to earning assets
2.30%Noninterest expense to earning assets
0.89%Net operating income to assets
0.89%Return on assets (ROA)
0.93%Pretax return on assets
7.61%Return on equity (ROE)
2.26%Retained earnings to average equity (YTD only)
0.74%Net charge-offs to loans
167.12%Credit loss provision to net charge-offs
3.51%Efficiency ratio
55,022Assets per employee
4.97%Cash dividends to net income (YTD only)
Condition Ratios (%)
70.32%Loss allowance to loans
1.93%Loss allowance to noncurrent loans
91.57%Noncurrent assets plus other real estate owned to assets
1.78%Noncurrent loans to loans
2.10%Net loans and leases to deposits
81.35%Net loans and leases to core deposits
82.36%Equity capital to assets
12.14%Core capital (leverage) ratio
11.32%Tier 1 risk-based capital ratio
15.65%Total risk-based capital ratio
Memoranda
$17Average assets
$73,685Average earning assets
$8,630Average equity
$69,192Average loans
List of branches
1 Illinois Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
12740
Community Bank Of Trenton
104 East Broadway, Trenton, IL 62293
September 17, 1963
Full Service Brick and Mortar
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