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


  • 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
  • NoIDNameAddressEstablishedService TypeMap
    043803First Fsb Of Mascoutah101 West Main St, Mascoutah, IL 62258January 01, 1913Full Service Brick and Mortar
    12829211200 E Hanover St Branch1200 East Hanover Street, New Baden, IL 62265January 01, 1913Full Service Brick and Mortar
    100282922Lebanon Branch115 South Madison, Lebanon, IL 62254January 01, 1913Full Service Brick and Mortar

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