First Federal Savings Bank of Champaign Urbana in Champaign, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • First Federal Savings Bank of Champaign Urbana in Champaign, Illinois (IL)
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First Federal Savings Bank of Champaign Urbana - Overview

  • General
  • FDIC Certificate #: 28445
    Status: Active
    Federal Reserve ID: 346771
    Date Established: January 01, 1908
    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 #: 1611
    FDIC's unique #: 41279
    Numeric code: 33
    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: August 19, 1936
    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: 1311 S. Neil St., Champaign, IL 61820
    County: Champaign
    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
    Metropolitan Statistical Area (MSA): Champaign-Urbana, IL (#1400)
    Core Based Statistical Area (CBSA): Champaign-Urbana, IL (#16580)
    CBSA Metro Statistical Area: Champaign-Urbana, IL (#16580)
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $160.2 mil
    Equity capital: $15.3 mil
    Deposits held in domestic offices: $137.9 mil
    Return on assets (ROA): 0.77% ($1.2 mil)
    Quarterly return on assets: 0.89% ($1.4 mil)
    Return on Equity (ROE): 8.33% ($1.2 mil)
    Quarterly return on equity: 9.27% ($1.4 mil)
    Net income: $1.2 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.23% ($1,970.1 mil)
    Quarterly Pretax return on assets: 1.40% ($2,242.4 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
  • 66Total employees (full-time equivalent)
  • $160,169Total assets
  • $46,091Cash and due from depository institutions
  • $41,489Interest-bearing balances
  • $660Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $102,167Net loans & leases
  • $982Loan loss allowance
  • $0Trading account assets
  • $4,882Bank premises and fixed assets
  • $2,651Other real estate owned
  • $741Goodwill and other intangibles
  • $160,169Life insurance assets
  • $2,977All other assets
  • $144,883Total liabilities and capital
  • $137,914Total liabilities
  • $119,722Total deposits
  • $137,914Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $4,000Trading liabilities
  • $0Other borrowed funds
  • $2,969Subordinated debt
  • $15,286All other liabilities
  • $15,286Total equity capital
  • $15,286Total bank equity capital
  • $0Perpetual preferred stock
  • $1Common stock
  • $10,528Surplus
  • $4,757Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,308Income earned, not collected on loans
  • $0Earning assets
  • $480Long-term assets (5+ years)
  • $144,316Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $159,810Volatile liabilities
  • $158,683Insider loans
  • $83,250FHLB advances
  • $159,420Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $14,803Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $10,051Restructured Loans and leases
  • $2,142Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,279Total interest income
  • $766Total interest expense
  • $5,513Net interest income
  • $30Provision for loan and lease losses
  • $3,244Total noninterest income
  • $0Fiduciary activities
  • $1,123Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,121Additional noninterest income
  • $6,767Total noninterest expense
  • $4,288Salaries and employee benefits
  • $1,194Premises and equipment expense
  • $1,285Additional noninterest expense
  • $1,960Pre-tax net operating income
  • $0Securities gains (losses)
  • $726Applicable income taxes
  • $1,234Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,234Net income attributable to bank
  • $0Net charge-offs
  • $1,234Cash dividends
  • -$1Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.32%Yield on earning assets
  • 0.53%Cost of funding earning assets
  • 3.80%Net interest margin
  • 2.23%Noninterest income to earning assets
  • 4.66%Noninterest expense to earning assets
  • 0.77%Net operating income to assets
  • 0.77%Return on assets (ROA)
  • 1.23%Pretax return on assets
  • 8.33%Return on equity (ROE)
  • 8.33%Retained earnings to average equity (YTD only)
  • -0.00%Net charge-offs to loans
  • -3000.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 77,275Assets per employee
  • 2.43%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.95%Loss allowance to noncurrent loans
  • 42.55%Noncurrent assets plus other real estate owned to assets
  • 3.10%Noncurrent loans to loans
  • 2.24%Net loans and leases to deposits
  • 74.08%Net loans and leases to core deposits
  • 74.61%Equity capital to assets
  • 9.54%Core capital (leverage) ratio
  • 9.29%Tier 1 risk-based capital ratio
  • 17.78%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $159,810Average earning assets
  • $14,819Average equity
  • $145,216Average loans

List of branches

  • 3 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    041279First Federal Savings Bank Of Champa1311 S. Neil St., Champaign, IL 61820January 01, 1908Full Service Brick and Mortar
    1002676561912 W Springfield Branch1912 West Springfield Avenue, Champaign, IL 61821January 01, 1908Full Service Brick and Mortar
    102267658Urbana Branch301 W. Springfield Avenue, Urbana, IL 61801March 01, 1990Full Service Brick and Mortar

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