Fairbury Federal Savings and Loan Association in Fairbury, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of May 31, 1995

  • Fairbury Federal Savings and Loan Association in Fairbury, Illinois (IL)
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Fairbury Federal Savings and Loan Association - Overview

  • General
  • FDIC Certificate #: 29448
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: Citizens Savings Bank (#28428)
    Federal Reserve ID: 558275
    Date Established: January 01, 1887
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 3462
    FDIC's unique #: 42282
    Numeric code: 38
    Regulator: OTS
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    FDIC Insured: Yes
    SAIF Insured: Yes
    Insured Savings Institution: Yes
    State Chartered: No
    Date of Deposit Insurance: September 27, 1935
    Last Structure Change Effective Date: May 31, 1995
    Last Structure Change Process Date: June 30, 1995
    Last Data Update: January 31, 1996
    Data Source Date: April 05, 2012
  • Location
  • Address: 115 N Third St, Fairbury, IL 61739
    County: Livingston
    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
    Core Based Statistical Area (CBSA): Pontiac, IL (#38700)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merger - Without Assistance
  • Financial Summary
  • Total assets: $83.5 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $25Total assets
  • $81,037Cash and due from depository institutions
  • $1,855Interest-bearing balances
  • $279Securities
  • $10,265Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $66,841Loan loss allowance
  • $131Trading account assets
  • $0Bank premises and fixed assets
  • $988Other real estate owned
  • $39Goodwill and other intangibles
  • $1,049Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $81,037Total liabilities
  • $76,210Total deposits
  • $75,713Interest-bearing deposits
  • $74,893Deposits held in domestic offices
  • 75713.00%% insured (estimated)
  • $98Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $497Total equity capital
  • $497Total bank equity capital
  • $4,827Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $0Undivided profits
  • Memoranda
  • $4,827Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $362Income earned, not collected on loans
  • $262Earning assets
  • $77,385Long-term assets (5+ years)
  • $0Average Assets, year-to-date
  • $82,968Average Assets, quarterly
  • $81,198Volatile liabilities
  • $4,837Insider loans
  • $157FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $910Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $4,827Total risk weighted assets
  • $40,549Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1994)

  • Dollar figures in thousands
  • $0Total interest income
  • $5,170Total interest expense
  • $3,118Net interest income
  • $2,052Provision for loan and lease losses
  • $36Total noninterest income
  • $273Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $0Additional noninterest income
  • $273Total noninterest expense
  • $1,611Salaries and employee benefits
  • $870Premises and equipment expense
  • $306Additional noninterest expense
  • $435Pre-tax net operating income
  • $678Securities gains (losses)
  • $0Applicable income taxes
  • $240Income before extraordinary items
  • $438Extraordinary gains - net
  • $0Net income attributable to bank
  • $438Net charge-offs
  • $23Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1994)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 6.53%Cost of funding earning assets
  • 3.94%Net interest margin
  • 2.59%Noninterest income to earning assets
  • 0.34%Noninterest expense to earning assets
  • 2.03%Net operating income to assets
  • 0.53%Return on assets (ROA)
  • 0.53%Pretax return on assets
  • 0.82%Return on equity (ROE)
  • 9.49%Retained earnings to average equity (YTD only)
  • 9.49%Net charge-offs to loans
  • 0.03%Credit loss provision to net charge-offs
  • 156.52%Efficiency ratio
  • 69,290Assets per employee
  • 3.24%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.20%Loss allowance to noncurrent loans
  • 36.19%Noncurrent assets plus other real estate owned to assets
  • 0.49%Noncurrent loans to loans
  • 0.54%Net loans and leases to deposits
  • 88.28%Net loans and leases to core deposits
  • 94.31%Equity capital to assets
  • 5.96%Core capital (leverage) ratio
  • 5.96%Tier 1 risk-based capital ratio
  • 11.90%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $82,968Average earning assets
  • $4,616Average equity
  • $79,191Average loans

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