First National Bank & Trust Company in city_name, state_name

First National Bank & Trust Company in Clinton, Illinois (IL)
Show street view No street view available for this location

First National Bank & Trust Company routing number info

First National Bank & Trust Company - Overview

General
FDIC Certificate #: 3639
Status: Active
Federal Reserve ID: 32234
Bank Holding Company (Regulatory Top Holder): First Clinton Bancorporation, Inc. (RSSDID: 1203198, Location: Clinton, IL)
Date Established: June 01, 1872
WWW: http://www.fnbclinton.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 2 (Domestic: 2, Interstate: No)
FDIC's unique #: 2321
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: Yes
Asset Concentration Hierarchy: All Other Specialization < 1 Billion
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: September 12, 2007
Last Structure Change Process Date: September 12, 2007
Last Data Update: September 12, 2007
Data Source Date: April 05, 2012
Location
Address: 2 Kelli Court, Clinton, IL 61727
County: De Witt
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Champaign
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Central
History of Changes
Change in Location
Financial Summary
Total assets: $98.6 mil
Equity capital: $12.8 mil
Deposits held in domestic offices: $71.3 mil
Return on assets (ROA): 0.73% ($0.7 mil)
Quarterly return on assets: 0.96% ($1.0 mil)
Return on Equity (ROE): 5.91% ($0.8 mil)
Quarterly return on equity: 7.72% ($1.0 mil)
Net income: $0.7 mil
Quarterly Net income: $0.2 mil
Pretax return on assets: 0.73% ($720.1 mil)
Quarterly Pretax return on assets: 0.96% ($947.0 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
23Total employees (full-time equivalent)
$98,643Total assets
$18,479Cash and due from depository institutions
$13,892Interest-bearing balances
$31,457Securities
$0Federal funds sold & reverse repurchase agreements
$44,463Net loans & leases
$384Loan loss allowance
$0Trading account assets
$3,083Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$98,643Life insurance assets
$1,161All other assets
$85,882Total liabilities and capital
$71,305Total liabilities
$57,573Total deposits
$71,305Interest-bearing deposits
$79Deposits held in domestic offices
14207.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$370Subordinated debt
$12,761All other liabilities
$12,761Total equity capital
$12,761Total bank equity capital
$0Perpetual preferred stock
$332Common stock
$2,392Surplus
$10,037Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$196Income earned, not collected on loans
$0Earning assets
$547Long-term assets (5+ years)
$89,812Average Assets, year-to-date
$17,855Average Assets, quarterly
$99,228Volatile liabilities
$102,333Insider loans
$52,416FHLB advances
$102,245Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$11,835Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$7,910Restructured Loans and leases
$9,285Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$2,963Total interest income
$391Total interest expense
$2,572Net interest income
$19Provision for loan and lease losses
$579Total noninterest income
$209Fiduciary activities
$208Service charges on deposit accounts
$0Trading account gains & fees
$162Additional noninterest income
$2,414Total noninterest expense
$1,393Salaries and employee benefits
$380Premises and equipment expense
$641Additional noninterest expense
$718Pre-tax net operating income
$4Securities gains (losses)
$0Applicable income taxes
$722Income before extraordinary items
$0Extraordinary gains - net
$722Net income attributable to bank
$0Net charge-offs
$722Cash dividends
$0Sale, conversion, retirement of capital stock, net
$249Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
3.34%Yield on earning assets
0.44%Cost of funding earning assets
2.90%Net interest margin
0.65%Noninterest income to earning assets
2.72%Noninterest expense to earning assets
0.72%Net operating income to assets
0.73%Return on assets (ROA)
0.73%Pretax return on assets
5.91%Return on equity (ROE)
3.87%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
76,611Assets per employee
4.29%Cash dividends to net income (YTD only)
Condition Ratios (%)
34.49%Loss allowance to loans
0.86%Loss allowance to noncurrent loans
195.92%Noncurrent assets plus other real estate owned to assets
0.20%Noncurrent loans to loans
0.44%Net loans and leases to deposits
62.36%Net loans and leases to core deposits
66.47%Equity capital to assets
12.94%Core capital (leverage) ratio
11.58%Tier 1 risk-based capital ratio
22.58%Total risk-based capital ratio
Memoranda
$23Average assets
$99,228Average earning assets
$12,213Average equity
$88,799Average 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
$58,319Managed Assets
1Number of Accounts
$58,319Personal trust and agency accounts
$58,319Employee 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
28Number 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

2 Illinois Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
0	2321	First National Bank & Trust Company	2 Kelli Court, Clinton, IL 61727	June 01, 1872	Full Service Brick and Mortar
1	201661	Auto Facility	301 South Grant Street, Clinton, IL 61727	January 07, 1972	Limited Service Facility

First National Bank & Trust Company in Clinton, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

First National Bank & Trust Company - 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:

First National Bank & Trust Company in Clinton, Illinois (IL)Overview, Financial Summary, Detailed Financial Reports, Branches

First National Bank & Trust Company - 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:

First National Bank & Trust Company in Clinton, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches