First Federal Savings Bank of Champaign Urbana in city_name, state_name

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
WWW: http://www.356bank.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 #: 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

No	ID	Name	Address	Established	Service Type
0	41279	First Federal Savings Bank Of Champa	1311 S. Neil St., Champaign, IL 61820	January 01, 1908	Full Service Brick and Mortar
100	267656	1912 W Springfield Branch	1912 West Springfield Avenue, Champaign, IL 61821	January 01, 1908	Full Service Brick and Mortar
102	267658	Urbana Branch	301 W. Springfield Avenue, Urbana, IL 61801	March 01, 1990	Full Service Brick and Mortar

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

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