First Clover Leaf Bank, FSB in Edwardsville, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • First Clover Leaf Bank, FSB in Edwardsville, Illinois (IL)
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First Clover Leaf Bank, FSB - Overview

  • General
  • FDIC Certificate #: 30330
    Status: Active
    Federal Reserve ID: 116871
    Date Established: January 01, 1921
    WWW: http://www.firstcloverleafbank.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 5 (Domestic: 5, Interstate: No)
    OTS Docket #: 5174
    FDIC's unique #: 43164
    Numeric code: 37
    Regulator: OCC
    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: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: March 17, 1948
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 6814 Goshen Road, Edwardsville, IL 62025
    County: Madison
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Mount Vernon
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): St. Louis, MO-IL (#7040)
    Combined Statistical Area (CSA): St. Louis-St. Charles-Farmington, MO-IL (#476)
    Core Based Statistical Area (CBSA): St. Louis, MO-IL (#41180)
    CBSA Metro Statistical Area: St. Louis, MO-IL (#41180)
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $561.2 mil
    Equity capital: $76.1 mil
    Deposits held in domestic offices: $419.4 mil
    Return on assets (ROA): 0.37% ($2.1 mil)
    Quarterly return on assets: -0.63% (-$3.5 mil)
    Return on Equity (ROE): 2.81% ($2.1 mil)
    Quarterly return on equity: -4.70% (-$3.6 mil)
    Net income: $2.1 mil
    Quarterly Net income: -$0.9 mil
    Pretax return on assets: 0.54% ($3,030.7 mil)
    Quarterly Pretax return on assets: -1.14% (-$6,398.2 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
  • 88Total employees (full-time equivalent)
  • $561,247Total assets
  • $19,159Cash and due from depository institutions
  • $11,731Interest-bearing balances
  • $85,575Securities
  • $21,941Federal funds sold & reverse repurchase agreements
  • $389,035Net loans & leases
  • $4,694Loan loss allowance
  • $0Trading account assets
  • $10,088Bank premises and fixed assets
  • $5,823Other real estate owned
  • $12,852Goodwill and other intangibles
  • $561,247Life insurance assets
  • $16,774All other assets
  • $485,164Total liabilities and capital
  • $419,445Total liabilities
  • $376,323Total deposits
  • $419,445Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 36874.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $26,944Trading liabilities
  • $0Other borrowed funds
  • $1,901Subordinated debt
  • $76,083All other liabilities
  • $76,083Total equity capital
  • $76,083Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $55,890Surplus
  • $20,193Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $11,572Income earned, not collected on loans
  • $0Earning assets
  • $1,727Long-term assets (5+ years)
  • $508,282Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $568,691Volatile liabilities
  • $566,916Insider loans
  • $368,634FHLB advances
  • $547,103Loans and leases held for sale
  • $5,068Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $60,332Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $55,483Restructured Loans and leases
  • $16,873Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $23,599Total interest income
  • $6,363Total interest expense
  • $17,236Net interest income
  • $5,292Provision for loan and lease losses
  • $1,751Total noninterest income
  • $0Fiduciary activities
  • $289Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,462Additional noninterest income
  • $11,104Total noninterest expense
  • $5,081Salaries and employee benefits
  • $2,033Premises and equipment expense
  • $3,990Additional noninterest expense
  • $2,591Pre-tax net operating income
  • $455Securities gains (losses)
  • $945Applicable income taxes
  • $2,101Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,101Net income attributable to bank
  • $0Net charge-offs
  • $2,101Cash dividends
  • $4,197Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.56%Yield on earning assets
  • 1.23%Cost of funding earning assets
  • 3.33%Net interest margin
  • 0.34%Noninterest income to earning assets
  • 2.14%Noninterest expense to earning assets
  • 0.31%Net operating income to assets
  • 0.37%Return on assets (ROA)
  • 0.54%Pretax return on assets
  • 2.81%Return on equity (ROE)
  • 2.81%Retained earnings to average equity (YTD only)
  • 1.07%Net charge-offs to loans
  • 126.09%Credit loss provision to net charge-offs
  • 1.88%Efficiency ratio
  • 55,938Assets per employee
  • 6.38%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.19%Loss allowance to noncurrent loans
  • 40.56%Noncurrent assets plus other real estate owned to assets
  • 3.10%Noncurrent loans to loans
  • 2.94%Net loans and leases to deposits
  • 92.75%Net loans and leases to core deposits
  • 108.25%Equity capital to assets
  • 13.56%Core capital (leverage) ratio
  • 11.32%Tier 1 risk-based capital ratio
  • 16.37%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $568,691Average earning assets
  • $74,833Average equity
  • $517,797Average loans

List of branches

  • 5 Illinois Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    043164First Clover Leaf Bank, Fsb6814 Goshen Road, Edwardsville, IL 62025January 01, 1921Full Service Brick and Mortar
    5492420Wood River Branch1046 Madison Avenue, Wood River, IL 62095June 01, 2008Full Service Brick and Mortar
    6514550St Louis Street Branch300 St Louis Street, Edwardsville, IL 62025June 29, 2007Full Service Brick and Mortar
    7514551State Rte 157 Branch2143 S Hwy 157, Edwardsville, IL 62025June 29, 2007Full Service Brick and Mortar
    8522164First Clover Leaf Bank Lpo Branch12551 State Route 143, Ste A2, Highland, IL 62249June 01, 2011Limited Service Facility

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