First Bank & Trust, S.B. in Paris, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

First Bank & Trust, S.B. - Overview

  • General
  • FDIC Certificate #: 29786
    Status: Active
    Federal Reserve ID: 221476
    Bank Holding Company (Regulatory Top Holder): First Banctrust Corporation (RSSDID: 2971261, Location: Paris, IL)
    Date Established: January 01, 1887
    Trust Powers Granted: Yes
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 7 (Domestic: 7, Interstate: No)
    OTS Docket #: 4087
    FDIC's unique #: 42620
    Numeric code: 41
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: December 29, 1937
    Last Structure Change Effective Date: Febuary 01, 2009
    Last Structure Change Process Date: April 28, 2009
    Last Data Update: April 28, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 101 South Central Avenue, Paris, IL 61944
    County: Edgar
    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
  • Financial Summary
  • Total assets: $392.6 mil
    Equity capital: $41.3 mil
    Deposits held in domestic offices: $303.8 mil
    Return on assets (ROA): 0.99% ($3.9 mil)
    Quarterly return on assets: 1.03% ($4.0 mil)
    Return on Equity (ROE): 9.32% ($3.8 mil)
    Quarterly return on equity: 9.56% ($3.9 mil)
    Net income: $3.9 mil
    Quarterly Net income: $1.0 mil
    Pretax return on assets: 1.53% ($6,006.0 mil)
    Quarterly Pretax return on assets: 1.64% ($6,437.9 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
  • 102Total employees (full-time equivalent)
  • $392,552Total assets
  • $14,714Cash and due from depository institutions
  • $7,913Interest-bearing balances
  • $56,094Securities
  • $4,026Federal funds sold & reverse repurchase agreements
  • $287,120Net loans & leases
  • $4,555Loan loss allowance
  • $0Trading account assets
  • $12,604Bank premises and fixed assets
  • $777Other real estate owned
  • $1,320Goodwill and other intangibles
  • $392,552Life insurance assets
  • $15,897All other assets
  • $351,236Total liabilities and capital
  • $303,780Total liabilities
  • $294,166Total deposits
  • $303,780Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $44,000Trading liabilities
  • $0Other borrowed funds
  • $3,456Subordinated debt
  • $41,316All other liabilities
  • $41,316Total equity capital
  • $41,316Total bank equity capital
  • $0Perpetual preferred stock
  • $1Common stock
  • $17,195Surplus
  • $24,120Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $414Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,407Income earned, not collected on loans
  • $75Earning assets
  • $2,612Long-term assets (5+ years)
  • $355,153Average Assets, year-to-date
  • $63,536Average Assets, quarterly
  • $396,702Volatile liabilities
  • $392,308Insider loans
  • $287,977FHLB advances
  • $390,158Loans and leases held for sale
  • $6,925Unused loan commitments
  • $6,925Tier 1 (core) risk-based capital
  • $39,404Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $35,577Restructured Loans and leases
  • $697Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $20,121Total interest income
  • $4,658Total interest expense
  • $15,463Net interest income
  • $2,298Provision for loan and lease losses
  • $3,076Total noninterest income
  • $10Fiduciary activities
  • $1,023Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,043Additional noninterest income
  • $10,307Total noninterest expense
  • $5,239Salaries and employee benefits
  • $1,517Premises and equipment expense
  • $3,551Additional noninterest expense
  • $5,934Pre-tax net operating income
  • $126Securities gains (losses)
  • $2,137Applicable income taxes
  • $3,923Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,923Net income attributable to bank
  • $0Net charge-offs
  • $3,923Cash dividends
  • $1,840Sale, conversion, retirement of capital stock, net
  • $4,400Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.60%Yield on earning assets
  • 1.30%Cost of funding earning assets
  • 4.31%Net interest margin
  • 0.86%Noninterest income to earning assets
  • 2.87%Noninterest expense to earning assets
  • 0.97%Net operating income to assets
  • 0.99%Return on assets (ROA)
  • 1.53%Pretax return on assets
  • 9.32%Return on equity (ROE)
  • -1.13%Retained earnings to average equity (YTD only)
  • 0.63%Net charge-offs to loans
  • 124.89%Credit loss provision to net charge-offs
  • 4.47%Efficiency ratio
  • 55,030Assets per employee
  • 3.85%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 112.16%Loss allowance to loans
  • 1.56%Loss allowance to noncurrent loans
  • 103.36%Noncurrent assets plus other real estate owned to assets
  • 1.32%Noncurrent loans to loans
  • 1.51%Net loans and leases to deposits
  • 94.52%Net loans and leases to core deposits
  • 99.93%Equity capital to assets
  • 10.52%Core capital (leverage) ratio
  • 10.10%Tier 1 risk-based capital ratio
  • 13.68%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $396,702Average earning assets
  • $42,084Average equity
  • $359,027Average 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
  • $56Managed Assets
  • 1Number of Accounts
  • $56Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $56Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 1Number 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

  • 7 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    042620First Bank & Trust, S.B.101 South Central Avenue, Paris, IL 61944January 01, 1887Full Service Brick and Mortar
    2277165Marshall Branch610 North Michigan Avenue, Marshall, IL 62441January 01, 1887Full Service Brick and Mortar
    5364531Savoy Branch1251 Woodfield Drive, Savoy, IL 61874July 05, 2001Full Service Brick and Mortar
    7441471West Washington Street Branch208 West Washington Street, Paris, IL 61944June 24, 2005Full Service Brick and Mortar
    843424Rantoul First Branch1500 East Grove Street, Rantoul, IL 61866August 19, 1952Full Service Brick and Mortar
    9450905Martinsville Branch10 East Cumberland Street, Martinsville, IL 62442May 01, 2006Full Service Brick and Mortar
    11510596Champaign Branch114 West Church Street, Champaign, IL 61824October 19, 2009Full Service Brick and Mortar

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