First Bank & Trust, S.B. in Paris, Illinois (IL)

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First Bank & Trust, S.B. routing number info

Table of contents:
First Bank & Trust, S.B.
GeneralFDIC 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
LocationAddress: 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 SummaryTotal 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)
Total employees (full-time equivalent)102
Total assets$392,552
Cash and due from depository institutions$14,714
Interest-bearing balances$7,913
Federal funds sold & reverse repurchase agreements$4,026
Net loans & leases$287,120
Loan loss allowance $4,555
Trading account assets$0
Bank premises and fixed assets$12,604
Other real estate owned$777
Goodwill and other intangibles$1,320
All other assets$15,897
Life insurance assets$392,552
Total liabilities and capital$351,236
Total liabilities$303,780
Total deposits$294,166
Interest-bearing deposits$303,780
Deposits held in domestic offices$91
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$44,000
Other borrowed funds $0
Subordinated debt $3,456
All other liabilities $41,316
Total equity capital$41,316
Total bank equity capital$41,316
Perpetual preferred stock$0
Common stock$1
Undivided profits $24,120
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $414
Income earned, not collected on loans $4,407
Earning assets $75
Long-term assets (5+ years) $2,612
Average Assets, year-to-date $355,153
Average Assets, quarterly $63,536
Volatile liabilities $396,702
Insider loans $392,308
FHLB advances $287,977
Loans and leases held for sale $390,158
Unused loan commitments $6,925
Tier 1 (core) risk-based capital $6,925
Tier 2 risk-based capital $39,404
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $35,577
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $20,121
Total interest expense $4,658
Net interest income $15,463
Provision for loan and lease losses $2,298
Total noninterest income $3,076
Fiduciary activities $10
Service charges on deposit accounts $1,023
Trading account gains & fees $0
Additional noninterest income $2,043
Total noninterest expense $10,307
Salaries and employee benefits $5,239
Premises and equipment expense $1,517
Additional noninterest expense $3,551
Pre-tax net operating income $5,934
Securities gains (losses) $126
Applicable income taxes $2,137
Income before extraordinary items $3,923
Extraordinary gains - net $0
Net income attributable to bank $3,923
Net charge-offs $0
Cash dividends $3,923
Sale, conversion, retirement of capital stock, net $1,840
Net operating income $4,400
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.60%
Cost of funding earning assets 1.30%
Net interest margin 4.31%
Noninterest income to earning assets 0.86%
Noninterest expense to earning assets 2.87%
Net operating income to assets 0.97%
Return on assets (ROA) 0.99%
Pretax return on assets 1.53%
Return on equity (ROE) 9.32%
Retained earnings to average equity (YTD only) -1.13%
Net charge-offs to loans 0.63%
Credit loss provision to net charge-offs 124.89%
Efficiency ratio4.47%
Assets per employee$55,030
Cash dividends to net income (YTD only)3.85%
Condition Ratios (%)
Loss allowance to loans 112.16%
Loss allowance to noncurrent loans 1.56%
Noncurrent assets plus other real estate owned to assets 103.36%
Noncurrent loans to loans 1.32%
Net loans and leases to deposits1.51%
Net loans and leases to core deposits 94.52%
Equity capital to assets 99.93%
Core capital (leverage) ratio 10.52%
Tier 1 risk-based capital ratio 10.10%
Total risk-based capital ratio 13.68%
Average assets$15
Average earning assets$396,702
Average equity $42,084
Average loans $359,027
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$56
Number of Accounts1
Personal trust and agency accounts$56
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Investment management agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$56
Non-managed Assets$0
Number of Accounts1
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
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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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