Community Trust Bank in city_name, state_name - Detailed Financial Reports, Location

Community Trust Bank in Irvington, Illinois (IL)
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Community Trust Bank routing number info

Community Trust Bank - Overview

General
FDIC Certificate #: 13380
Status: Active
Federal Reserve ID: 484141
Bank Holding Company (Regulatory Top Holder): Community Bancshares, Inc. (RSSDID: 2251806, Location: Irvington, IL)
Date Established: January 01, 1934
WWW: http://www.communitytrustbk.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 3 (Domestic: 3, Interstate: No)
OTS Docket #: 11988
FDIC's unique #: 8430
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: No
Asset Concentration Hierarchy: All Other Specialization < 1 Billion
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: 107 S 2nd St, Irvington, IL 62848
County: Washington
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
Change in Location
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $90.9 mil
Equity capital: $10.8 mil
Deposits held in domestic offices: $77.3 mil
Return on assets (ROA): 1.00% ($0.9 mil)
Quarterly return on assets: 1.10% ($1.0 mil)
Return on Equity (ROE): 8.84% ($1.0 mil)
Quarterly return on equity: 9.19% ($1.0 mil)
Net income: $0.9 mil
Quarterly Net income: $0.2 mil
Pretax return on assets: 1.28% ($1,163.6 mil)
Quarterly Pretax return on assets: 1.42% ($1,290.9 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
27Total employees (full-time equivalent)
$90,906Total assets
$6,638Cash and due from depository institutions
$1,178Interest-bearing balances
$31,973Securities
$0Federal funds sold & reverse repurchase agreements
$47,591Net loans & leases
$583Loan loss allowance
$0Trading account assets
$1,203Bank premises and fixed assets
$8Other real estate owned
$0Goodwill and other intangibles
$90,906Life insurance assets
$3,493All other assets
$80,107Total liabilities and capital
$77,307Total liabilities
$57,953Total deposits
$77,307Interest-bearing deposits
$93Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$1,600Trading liabilities
$0Other borrowed funds
$1,200Subordinated debt
$10,799All other liabilities
$10,799Total equity capital
$10,799Total bank equity capital
$0Perpetual preferred stock
$970Common stock
$970Surplus
$8,859Undivided profits
Memoranda
$0Noncurrent loans and leases
$275Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$827Income earned, not collected on loans
$0Earning assets
$622Long-term assets (5+ years)
$80,742Average Assets, year-to-date
$45,001Average Assets, quarterly
$90,449Volatile liabilities
$90,209Insider loans
$54,164FHLB advances
$90,603Loans and leases held for sale
$2,230Unused loan commitments
$2,230Tier 1 (core) risk-based capital
$10,141Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,690Restructured Loans and leases
$1,095Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$3,805Total interest income
$682Total interest expense
$3,123Net interest income
$110Provision for loan and lease losses
$615Total noninterest income
$130Fiduciary activities
$221Service charges on deposit accounts
$0Trading account gains & fees
$264Additional noninterest income
$2,474Total noninterest expense
$1,350Salaries and employee benefits
$429Premises and equipment expense
$695Additional noninterest expense
$1,154Pre-tax net operating income
$0Securities gains (losses)
$248Applicable income taxes
$906Income before extraordinary items
$0Extraordinary gains - net
$906Net income attributable to bank
$0Net charge-offs
$906Cash dividends
$116Sale, conversion, retirement of capital stock, net
$252Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.71%Yield on earning assets
0.84%Cost of funding earning assets
3.86%Net interest margin
0.76%Noninterest income to earning assets
3.06%Noninterest expense to earning assets
1.00%Net operating income to assets
1.00%Return on assets (ROA)
1.28%Pretax return on assets
8.84%Return on equity (ROE)
6.38%Retained earnings to average equity (YTD only)
0.24%Net charge-offs to loans
94.83%Credit loss provision to net charge-offs
10.90%Efficiency ratio
66,185Assets per employee
3.37%Cash dividends to net income (YTD only)
Condition Ratios (%)
27.81%Loss allowance to loans
1.21%Loss allowance to noncurrent loans
70.50%Noncurrent assets plus other real estate owned to assets
0.92%Noncurrent loans to loans
1.72%Net loans and leases to deposits
61.56%Net loans and leases to core deposits
63.46%Equity capital to assets
11.88%Core capital (leverage) ratio
11.19%Tier 1 risk-based capital ratio
18.72%Total risk-based capital ratio
Memoranda
$20Average assets
$90,449Average earning assets
$10,246Average equity
$80,847Average 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
$21,908Managed Assets
1Number of Accounts
$16,310Personal trust and agency accounts
$9,685Employee benefit-defined contribution accounts
$518Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Investment management agency accounts
$6,107Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
88Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$5,598Other retirement accounts
$3,445Corporate trust and agency accounts
$0Other fiduciary accounts
$905Fiduciary accounts held in foreign offices

List of branches

3 Illinois Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	8430	Community Trust Bank	107 S 2nd St, Irvington, IL 62848	January 01, 1934	Full Service Brick and Mortar
2	229524	Centralia Facility	1427 East Second Street, Centralia, IL 62801	Febuary 01, 1982	Full Service Brick and Mortar
3	229525	Nashville Facility	17872 Exchange Avenue, Nashville, IL 62263	April 01, 1999	Full Service Brick and Mortar

Community Trust Bank in Irvington, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

Community Trust Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Community Trust Bank in Irvington, Illinois (IL)Overview, Financial Summary, Detailed Financial Reports, Branches

Community Trust Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Community Trust Bank in Irvington, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches