Vitals
  • Total Assets
    403.1M -0.3 %
  • Total Deposits
    365.2M -0.6 %
  • Total Net Loans
    289.0M 9.9 %
  • Net Income
    2.5M 21.2 %
  • Book Value
    36.1M 2.3 %
  • Book Value x2
    72.2M 2.3 %
  • Book Value x3
    108.3M 2.3 %
ROAA

.619

ROAE

6.846

Efficiency Ratio

73.961

Net Interest Margin

3.518

Balance Sheet Highlights
Financial Highlights The First National Bank Of Carmi All Insured Commercial Banks in Illinois
Balance Sheet $(000)
Total Assets 403,058 290,894
Total Net Loans 289,042 191,278
Total Deposits 365,228 246,407
Total Equity 36,088 31,125
Profitability
Net Income 2,463 2,670
Return on Average Assets .619 .919
Return on Average Equity 6.846 8.247
Net Interest Margin 3.518 3.499
Efficiency Ratio 73.961 67.9
Noninterest Income/Revenue 19.421 16.598
Balance Sheet Ratios
Loan-to-Deposit 79.14 72.669
Securities/Assets .143 .191
Total Equity/Total Assets .09 .107
Tangible Equity/Tangible Assets .083 .103
Capital Adequacy
Tier 1 Common Capital 33,980 29,670
Tier 1 Capital 33,980 29,720
Tier 2 Capital 3,791 2,112
Total Capital 37,771 31,905
Total Risk Weighted Assets 310,332 212,461
Leverage Ratio 8.49 10.62
Common Equity Tier 1 Capital Ratio 10.95 16.313
Tier 1 Capital Ratio 10.95 16.329
Total Capital Ratio 12.17 17.341

Timeline for The First National Bank Of Carmi

Fnb Reo 1, Llc

Fnb Reo 1, Llc became a new subsidiary organization for The First National Bank Of Carmi.

View Profile Apr 19 2013

First Insurance Agency Of White County Inc

First Insurance Agency Of White County Inc became a new subsidiary organization for The First National Bank Of Carmi.

View Profile Oct 01 1999

The First National Bank Of Enfield

Acquisition: The First National Bank Of Carmi acquired a new subsidiary, The First National Bank Of Enfield, 27 years

View Profile Oct 01 1996

Southern Illinois Bancorp, Inc.

Southern Illinois Bancorp, Inc. became a new parent organization for The First National Bank Of Carmi.

View Profile Dec 01 1983

The First National Bank Of Carmi

The First National Bank Of Carmi was established 130 years ago and is currently headquartered in Carmi, IL.

Dec 20 1893
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
The First National Bank Of Enfield Seller 25,805 Pooling of Interests Discontinued 10/1/1996
Relationships Role Relationship Start Relationship End
Southern Illinois Bancorp, Inc. Parent 12/1/1983
Fnb Reo 1, Llc Subsidary 4/19/2013
First Insurance Agency Of White County Inc Subsidary 10/1/1999 6/29/2000
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