FDIC Certificate #: 19230 Status: Active Federal Reserve ID: 775241 Date Established: September 10, 1964 WWW:http://www.cnbmonmouth.com 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: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 13046 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: September 10, 1964 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: 311 North Main Street, Monmouth, IL 61462 County: Warren Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Chicago FDIC Field Office: Princeton Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: Central Core Based Statistical Area (CBSA): Galesburg, IL (#23660) CBSA Micro Statistical Area: Yes
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $55.3 mil Equity capital: $6.5 mil Deposits held in domestic offices: $48.2 mil Return on assets (ROA): 0.11% ($0.1 mil) Quarterly return on assets: 0.82% ($0.5 mil) Return on Equity (ROE): 0.88% ($0.1 mil) Quarterly return on equity: 6.64% ($0.5 mil) Net income: $0.1 mil Quarterly Net income: $0.1 mil Pretax return on assets: 0.03% ($16.6 mil) Quarterly Pretax return on assets: 1.07% ($591.9 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
17Total employees (full-time equivalent)
$55,317Total assets
$15,369Cash and due from depository institutions
$13,061Interest-bearing balances
$18,390Securities
$0Federal funds sold & reverse repurchase agreements
$20,591Net loans & leases
$199Loan loss allowance
$0Trading account assets
$259Bank premises and fixed assets
$74Other real estate owned
$0Goodwill and other intangibles
$55,317Life insurance assets
$634All other assets
$48,784Total liabilities and capital
$48,165Total liabilities
$38,424Total deposits
$48,165Interest-bearing deposits
$98Deposits held in domestic offices
319.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$300Subordinated debt
$6,533All other liabilities
$6,533Total equity capital
$6,533Total bank equity capital
$0Perpetual preferred stock
$1,800Common stock
$1,800Surplus
$2,933Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$93Income earned, not collected on loans
$0Earning assets
$374Long-term assets (5+ years)
$52,042Average Assets, year-to-date
$5,228Average Assets, quarterly
$50,314Volatile liabilities
$52,843Insider loans
$21,846FHLB advances
$51,202Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$6,158Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$3,666Restructured Loans and leases
$376Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,001Total interest income
$469Total interest expense
$1,532Net interest income
$521Provision for loan and lease losses
$306Total noninterest income
$0Fiduciary activities
$144Service charges on deposit accounts
$0Trading account gains & fees
$162Additional noninterest income
$1,303Total noninterest expense
$778Salaries and employee benefits
$104Premises and equipment expense
$421Additional noninterest expense
$14Pre-tax net operating income
$0Securities gains (losses)
-$43Applicable income taxes
$57Income before extraordinary items
$0Extraordinary gains - net
$57Net income attributable to bank
$0Net charge-offs
$57Cash dividends
$497Sale, conversion, retirement of capital stock, net
$225Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.19%Yield on earning assets
0.98%Cost of funding earning assets
3.21%Net interest margin
0.64%Noninterest income to earning assets
2.73%Noninterest expense to earning assets
0.11%Net operating income to assets
0.11%Return on assets (ROA)
0.03%Pretax return on assets
0.88%Return on equity (ROE)
-2.60%Retained earnings to average equity (YTD only)
2.36%Net charge-offs to loans
104.83%Credit loss provision to net charge-offs
1.08%Efficiency ratio
70,892Assets per employee
3.25%Cash dividends to net income (YTD only)
Condition Ratios (%)
394.74%Loss allowance to loans
0.96%Loss allowance to noncurrent loans
213.98%Noncurrent assets plus other real estate owned to assets
0.30%Noncurrent loans to loans
0.45%Net loans and leases to deposits
42.75%Net loans and leases to core deposits
44.61%Equity capital to assets
11.81%Core capital (leverage) ratio
12.03%Tier 1 risk-based capital ratio
28.19%Total risk-based capital ratio
Memoranda
$29Average assets
$50,314Average earning assets
$6,458Average equity
$47,763Average loans
List of branches
1 Illinois Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
13046
Community National Bank In Monmouth
311 North Main Street, Monmouth, IL 61462
September 10, 1964
Full Service Brick and Mortar
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