The First National Bank and Trust Company in Beloit, Wisconsin (WI), IL
Overview, Financial Summary, Detailed Financial Reports, Branches


  • The First National Bank and Trust Company in Beloit, Wisconsin (WI), IL
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The First National Bank and Trust Company routing number info

The First National Bank and Trust Company - Overview

  • General
  • FDIC Certificate #: 5285
    Status: Active
    Federal Reserve ID: 207845
    Bank Holding Company (Regulatory Top Holder): Centre 1 Bancorp, Inc. (RSSDID: 1209042, Location: Beloit, WI)
    Date Established: July 01, 1882
    WWW: http://www.bankatfirstnational.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: 14 (Domestic: 14, Interstate: Yes)
    OTS Docket #: 10388
    FDIC's unique #: 3553
    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: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: November 06, 2009
    Last Structure Change Process Date: December 03, 2009
    Last Data Update: December 03, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 345 East Grand Avenue, Beloit, WI 53511
    County: Rock
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Madison
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Janesville-Beloit, WI (#3620)
    Core Based Statistical Area (CBSA): Janesville, WI (#27500)
    CBSA Metro Statistical Area: Janesville, WI (#27500)
  • History of Changes
  • Office Purchased
  • Financial Summary
  • Total assets: $834.5 mil
    Equity capital: $87.7 mil
    Deposits held in domestic offices: $661.8 mil
    Return on assets (ROA): 0.68% ($5.7 mil)
    Quarterly return on assets: 0.61% ($5.1 mil)
    Return on Equity (ROE): 6.82% ($6.0 mil)
    Quarterly return on equity: 5.78% ($5.1 mil)
    Net income: $5.7 mil
    Quarterly Net income: $1.3 mil
    Pretax return on assets: 0.84% ($7,010.0 mil)
    Quarterly Pretax return on assets: 0.77% ($6,425.8 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
  • 228Total employees (full-time equivalent)
  • $834,525Total assets
  • $36,315Cash and due from depository institutions
  • $6,782Interest-bearing balances
  • $293,736Securities
  • $2,062Federal funds sold & reverse repurchase agreements
  • $457,950Net loans & leases
  • $8,274Loan loss allowance
  • $0Trading account assets
  • $18,725Bank premises and fixed assets
  • $1,581Other real estate owned
  • $12,059Goodwill and other intangibles
  • $834,525Life insurance assets
  • $12,097All other assets
  • $746,792Total liabilities and capital
  • $661,842Total liabilities
  • $518,466Total deposits
  • $661,842Interest-bearing deposits
  • $84Deposits held in domestic offices
  • 47641.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $32,000Trading liabilities
  • $0Other borrowed funds
  • $5,309Subordinated debt
  • $87,733All other liabilities
  • $87,733Total equity capital
  • $87,733Total bank equity capital
  • $0Perpetual preferred stock
  • $1,200Common stock
  • $24,498Surplus
  • $62,035Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $1,044Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,386Income earned, not collected on loans
  • $0Earning assets
  • $3,749Long-term assets (5+ years)
  • $760,530Average Assets, year-to-date
  • $109,823Average Assets, quarterly
  • $838,485Volatile liabilities
  • $825,417Insider loans
  • $554,718FHLB advances
  • $796,196Loans and leases held for sale
  • $606Unused loan commitments
  • $606Tier 1 (core) risk-based capital
  • $72,832Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $109,886Restructured Loans and leases
  • $8,047Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $32,520Total interest income
  • $6,562Total interest expense
  • $25,958Net interest income
  • $3,737Provision for loan and lease losses
  • $9,494Total noninterest income
  • $1,537Fiduciary activities
  • $3,881Service charges on deposit accounts
  • $0Trading account gains & fees
  • $4,076Additional noninterest income
  • $24,725Total noninterest expense
  • $13,712Salaries and employee benefits
  • $2,963Premises and equipment expense
  • $8,050Additional noninterest expense
  • $6,990Pre-tax net operating income
  • $72Securities gains (losses)
  • $1,357Applicable income taxes
  • $5,705Income before extraordinary items
  • $0Extraordinary gains - net
  • $5,705Net income attributable to bank
  • $0Net charge-offs
  • $5,705Cash dividends
  • $3,459Sale, conversion, retirement of capital stock, net
  • $1,902Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.18%Yield on earning assets
  • 0.84%Cost of funding earning assets
  • 3.34%Net interest margin
  • 1.22%Noninterest income to earning assets
  • 3.18%Noninterest expense to earning assets
  • 0.67%Net operating income to assets
  • 0.68%Return on assets (ROA)
  • 0.84%Pretax return on assets
  • 6.82%Return on equity (ROE)
  • 4.54%Retained earnings to average equity (YTD only)
  • 0.74%Net charge-offs to loans
  • 108.04%Credit loss provision to net charge-offs
  • 3.10%Efficiency ratio
  • 68,476Assets per employee
  • 3.66%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 33.34%Loss allowance to loans
  • 1.77%Loss allowance to noncurrent loans
  • 596.97%Noncurrent assets plus other real estate owned to assets
  • 0.83%Noncurrent loans to loans
  • 0.30%Net loans and leases to deposits
  • 69.19%Net loans and leases to core deposits
  • 72.36%Equity capital to assets
  • 10.51%Core capital (leverage) ratio
  • 9.15%Tier 1 risk-based capital ratio
  • 13.13%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $838,485Average earning assets
  • $83,680Average equity
  • $777,932Average 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
  • $277,814Managed Assets
  • 1Number of Accounts
  • $180,095Personal trust and agency accounts
  • $41,111Employee benefit-defined contribution accounts
  • $61Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $26,948Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $10,421Fiduciary accounts held in foreign offices
  • $101,554Non-managed Assets
  • 387Number of Accounts
  • $0Personal trust and agency accounts
  • $26,948Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $97,719Other retirement accounts
  • $30,038Corporate trust and agency accounts
  • $2,961Other fiduciary accounts
  • $6,847Fiduciary accounts held in foreign offices

List of branches

  • 3 Illinois Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    611808Rockton Branch300 East Main Street, Rockton, IL 61072May 24, 1958Full Service Brick and Mortar
    7243045Roscoe Branch5360 Bridge St, Roscoe, IL 61073October 30, 1979Full Service Brick and Mortar
    812826Winnebago Branch500 North Elida Street, Winnebago, IL 61088December 20, 1963Full Service Brick and Mortar
  • 10 Wisconsin Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    03553The First National Bank And Trust Co345 East Grand Avenue, Beloit, WI 53511July 01, 1882Full Service Brick and Mortar
    2207422Inman Parkway Branch1882 Inman Parkway, Beloit, WI 53511July 08, 1968Full Service Brick and Mortar
    4207424The Madison Road Branch1795 Madison Road, Beloit, WI 53511January 10, 1983Full Service Brick and Mortar
    9364769Cranston Rd. Branch2600 Cranston Rd., Beloit, WI 53511July 12, 2001Full Service Brick and Mortar
    12233495Clinton Branch500 Peck Drive, Clinton, WI 53525June 13, 1979Full Service Brick and Mortar
    13233496Darien Branch218 N Walworth St, Darien, WI 53114January 18, 1995Full Service Brick and Mortar
    14470513Janesville Branch2636 South Highway 51, Janesville, WI 53546December 12, 2007Full Service Brick and Mortar
    153575Monroe Branch1625 Tenth Street, Monroe, WI 53566January 01, 1856Full Service Brick and Mortar
    16207536Motor Bank Branch1919 Tenth Street, Monroe, WI 53566September 18, 1979Limited Service Facility
    178093Argyle Branch321 Milwaukee Street, Argyle, WI 53504July 07, 1895Full Service Brick and Mortar

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