The Central National Bank and Trust Company in city_name, state_name

The Central National Bank and Trust Company in Attica, Indiana (IN)
Show street view No street view available for this location

The Central National Bank and Trust Company routing number info

The Central National Bank and Trust Company - Overview

General
FDIC Certificate #: 10040
Status: Active
Federal Reserve ID: 378642
Bank Holding Company (Regulatory Top Holder): Cnb Bancorp (RSSDID: 1821015, Location: Attica, IN)
Date Established: June 05, 1887
WWW: http://www.centralnationalbankismybank.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)
OTS Docket #: 9787
FDIC's unique #: 6417
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: Other Specialized Lending < 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: 2 South Perry Street, Attica, IN 47918
County: Fountain
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Indianapolis
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: $61.6 mil
Equity capital: $11.9 mil
Deposits held in domestic offices: $46.1 mil
Return on assets (ROA): 0.60% ($0.4 mil)
Quarterly return on assets: 0.73% ($0.5 mil)
Return on Equity (ROE): 2.97% ($0.4 mil)
Quarterly return on equity: 3.73% ($0.4 mil)
Net income: $0.4 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: 0.71% ($437.1 mil)
Quarterly Pretax return on assets: 0.76% ($467.9 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
13Total employees (full-time equivalent)
$61,564Total assets
$14,518Cash and due from depository institutions
$13,939Interest-bearing balances
$29,813Securities
$325Federal funds sold & reverse repurchase agreements
$15,703Net loans & leases
$855Loan loss allowance
$0Trading account assets
$381Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$61,564Life insurance assets
$824All other assets
$49,616Total liabilities and capital
$46,101Total liabilities
$32,336Total deposits
$46,101Interest-bearing deposits
$81Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$3,500Trading liabilities
$0Other borrowed funds
$15Subordinated debt
$11,948All other liabilities
$11,948Total equity capital
$11,948Total bank equity capital
$0Perpetual preferred stock
$400Common stock
$400Surplus
$11,148Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$329Long-term assets (5+ years)
$59,780Average Assets, year-to-date
$26,082Average Assets, quarterly
$58,358Volatile liabilities
$61,437Insider loans
$25,577FHLB advances
$61,419Loans 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
$1,986Restructured Loans and leases
$2,943Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$1,688Total interest income
$169Total interest expense
$1,519Net interest income
$75Provision for loan and lease losses
$141Total noninterest income
$20Fiduciary activities
$48Service charges on deposit accounts
$0Trading account gains & fees
$73Additional noninterest income
$1,236Total noninterest expense
$691Salaries and employee benefits
$246Premises and equipment expense
$299Additional noninterest expense
$349Pre-tax net operating income
$68Securities gains (losses)
$65Applicable income taxes
$352Income before extraordinary items
$0Extraordinary gains - net
$352Net income attributable to bank
$0Net charge-offs
$352Cash dividends
-$56Sale, conversion, retirement of capital stock, net
$228Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
3.01%Yield on earning assets
0.30%Cost of funding earning assets
2.71%Net interest margin
0.25%Noninterest income to earning assets
2.20%Noninterest expense to earning assets
0.51%Net operating income to assets
0.60%Return on assets (ROA)
0.71%Pretax return on assets
2.97%Return on equity (ROE)
1.05%Retained earnings to average equity (YTD only)
-0.33%Net charge-offs to loans
-133.93%Credit loss provision to net charge-offs
0.00%Efficiency ratio
74,458Assets per employee
4.74%Cash dividends to net income (YTD only)
Condition Ratios (%)
64.77%Loss allowance to loans
5.16%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
34.06%Net loans and leases to core deposits
34.80%Equity capital to assets
19.41%Core capital (leverage) ratio
19.27%Tier 1 risk-based capital ratio
46.27%Total risk-based capital ratio
Memoranda
$48Average assets
$58,358Average earning assets
$11,865Average equity
$56,138Average 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
$23,367Managed Assets
1Number of Accounts
$23,367Personal trust and agency accounts
$23,367Employee 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
19Number 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 Indiana Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
0	6417	The Central National Bank And Trust	2 South Perry Street, Attica, IN 47918	June 05, 1887	Full Service Brick and Mortar
2	221728	Jackson Street Branch	307 East Jackson Street, Attica, IN 47918	October 26, 1981	Full Service Brick and Mortar

The Central National Bank and Trust Company in Attica, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Central National Bank and 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:

The Central National Bank and Trust Company in Attica, Indiana (IN)Overview, Financial Summary, Detailed Financial Reports, Branches

The Central National Bank and 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:

The Central National Bank and Trust Company in Attica, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches