First FSB of Mascoutah in city_name, state_name - Detailed Financial Reports, Location

First FSB of Mascoutah in Mascoutah, Illinois (IL)
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First FSB of Mascoutah - Overview

General
FDIC Certificate #: 30969
Status: Active
Federal Reserve ID: 966272
Date Established: January 01, 1913
WWW: http://www.firstfederalmascoutah.com
Trust Powers Granted: No
Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
Offices: 3 (Domestic: 3, Interstate: No)
OTS Docket #: 6191
FDIC's unique #: 43803
Numeric code: 34
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: Mortgage Lending Specialization
Date of Deposit Insurance: June 25, 1958
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: 101 West Main St, Mascoutah, IL 62258
County: St. Clair
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: $133.1 mil
Equity capital: $13.5 mil
Deposits held in domestic offices: $118.8 mil
Return on assets (ROA): 0.53% ($0.7 mil)
Quarterly return on assets: 0.32% ($0.4 mil)
Return on Equity (ROE): 5.54% ($0.8 mil)
Quarterly return on equity: 3.11% ($0.4 mil)
Net income: $0.7 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: 0.79% ($1,051.7 mil)
Quarterly Pretax return on assets: 0.46% ($612.4 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
14Total employees (full-time equivalent)
$133,132Total assets
$11,117Cash and due from depository institutions
$10,564Interest-bearing balances
$67,704Securities
$688Federal funds sold & reverse repurchase agreements
$49,505Net loans & leases
$295Loan loss allowance
$0Trading account assets
$1,120Bank premises and fixed assets
$414Other real estate owned
$241Goodwill and other intangibles
$133,132Life insurance assets
$2,343All other assets
$119,612Total liabilities and capital
$118,767Total liabilities
$114,069Total deposits
$118,767Interest-bearing deposits
$95Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$845Subordinated debt
$13,520All other liabilities
$13,520Total equity capital
$13,520Total bank equity capital
$0Perpetual preferred stock
$0Common stock
$0Surplus
$13,520Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$585Income earned, not collected on loans
$0Earning assets
$604Long-term assets (5+ years)
$128,461Average Assets, year-to-date
$0Average Assets, quarterly
$135,223Volatile liabilities
$132,401Insider loans
$45,005FHLB advances
$131,044Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$12,142Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$67Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$5,361Total interest income
$2,279Total interest expense
$3,082Net interest income
$213Provision for loan and lease losses
$56Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$56Additional noninterest income
$1,992Total noninterest expense
$855Salaries and employee benefits
$518Premises and equipment expense
$619Additional noninterest expense
$933Pre-tax net operating income
$132Securities gains (losses)
$354Applicable income taxes
$711Income before extraordinary items
$0Extraordinary gains - net
$711Net income attributable to bank
$0Net charge-offs
$711Cash dividends
$165Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.10%Yield on earning assets
1.74%Cost of funding earning assets
2.36%Net interest margin
0.04%Noninterest income to earning assets
1.52%Noninterest expense to earning assets
0.46%Net operating income to assets
0.53%Return on assets (ROA)
0.79%Pretax return on assets
5.54%Return on equity (ROE)
5.54%Retained earnings to average equity (YTD only)
0.32%Net charge-offs to loans
129.09%Credit loss provision to net charge-offs
6.95%Efficiency ratio
63,480Assets per employee
9.51%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.59%Loss allowance to noncurrent loans
50.43%Noncurrent assets plus other real estate owned to assets
0.75%Noncurrent loans to loans
1.17%Net loans and leases to deposits
41.68%Net loans and leases to core deposits
42.52%Equity capital to assets
10.16%Core capital (leverage) ratio
9.27%Tier 1 risk-based capital ratio
26.98%Total risk-based capital ratio
Memoranda
$28Average assets
$135,223Average earning assets
$12,827Average equity
$130,812Average loans

List of branches

3 Illinois Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	43803	First Fsb Of Mascoutah	101 West Main St, Mascoutah, IL 62258	January 01, 1913	Full Service Brick and Mortar
1	282921	1200 E Hanover St Branch	1200 East Hanover Street, New Baden, IL 62265	January 01, 1913	Full Service Brick and Mortar
100	282922	Lebanon Branch	115 South Madison, Lebanon, IL 62254	January 01, 1913	Full Service Brick and Mortar

First FSB of Mascoutah in Mascoutah, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

First FSB of Mascoutah - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

First FSB of Mascoutah in Mascoutah, Illinois (IL)Overview, Financial Summary, Detailed Financial Reports, Branches

First FSB of Mascoutah - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

First FSB of Mascoutah in Mascoutah, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches