First Federal Savings and Loan Association of Central Illinois in Shelbyville, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • First Federal Savings and Loan Association of Central Illinois in Shelbyville, Illinois (IL)
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First Federal Savings and Loan Association of Central Illinois - Overview

  • General
  • FDIC Certificate #: 29645
    Status: Active
    Federal Reserve ID: 399973
    Date Established: January 01, 1906
    WWW: http://www.1stfedshelby.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 3812
    FDIC's unique #: 42479
    Numeric code: 38
    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: September 24, 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: 200 N Morgan Street, Shelbyville, IL 62565
    County: Shelby
    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
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $100.4 mil
    Equity capital: $9.0 mil
    Deposits held in domestic offices: $88.6 mil
    Return on assets (ROA): 0.79% ($0.8 mil)
    Quarterly return on assets: 0.19% ($0.2 mil)
    Return on Equity (ROE): 9.35% ($0.8 mil)
    Quarterly return on equity: 2.24% ($0.2 mil)
    Net income: $0.7 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 1.26% ($1,265.1 mil)
    Quarterly Pretax return on assets: 1.28% ($1,285.2 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
  • 27Total employees (full-time equivalent)
  • $100,403Total assets
  • $5,050Cash and due from depository institutions
  • $4,277Interest-bearing balances
  • $42,608Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $48,745Net loans & leases
  • $347Loan loss allowance
  • $0Trading account assets
  • $1,604Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $100,403Life insurance assets
  • $2,396All other assets
  • $91,358Total liabilities and capital
  • $88,643Total liabilities
  • $86,191Total deposits
  • $88,643Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,495Trading liabilities
  • $0Other borrowed funds
  • $220Subordinated debt
  • $9,045All other liabilities
  • $9,045Total equity capital
  • $9,045Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $9,045Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,457Income earned, not collected on loans
  • $0Earning assets
  • $583Long-term assets (5+ years)
  • $95,630Average Assets, year-to-date
  • $36,902Average Assets, quarterly
  • $94,688Volatile liabilities
  • $98,509Insider loans
  • $44,718FHLB advances
  • $39,460Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $8,135Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,221Total interest income
  • $1,082Total interest expense
  • $3,139Net interest income
  • $177Provision for loan and lease losses
  • $472Total noninterest income
  • $0Fiduciary activities
  • $219Service charges on deposit accounts
  • $0Trading account gains & fees
  • $253Additional noninterest income
  • $2,434Total noninterest expense
  • $1,341Salaries and employee benefits
  • $199Premises and equipment expense
  • $894Additional noninterest expense
  • $1,000Pre-tax net operating income
  • $192Securities gains (losses)
  • $448Applicable income taxes
  • $744Income before extraordinary items
  • $0Extraordinary gains - net
  • $744Net income attributable to bank
  • $0Net charge-offs
  • $744Cash dividends
  • $128Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.67%Yield on earning assets
  • 1.20%Cost of funding earning assets
  • 3.47%Net interest margin
  • 0.52%Noninterest income to earning assets
  • 2.69%Noninterest expense to earning assets
  • 0.66%Net operating income to assets
  • 0.79%Return on assets (ROA)
  • 1.26%Pretax return on assets
  • 9.35%Return on equity (ROE)
  • 9.35%Retained earnings to average equity (YTD only)
  • 0.30%Net charge-offs to loans
  • 138.28%Credit loss provision to net charge-offs
  • 9.20%Efficiency ratio
  • 67,405Assets per employee
  • 3.72%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.71%Loss allowance to noncurrent loans
  • 23.82%Noncurrent assets plus other real estate owned to assets
  • 1.45%Noncurrent loans to loans
  • 2.97%Net loans and leases to deposits
  • 54.99%Net loans and leases to core deposits
  • 57.09%Equity capital to assets
  • 9.01%Core capital (leverage) ratio
  • 20.62%Tier 1 risk-based capital ratio
  • 18.19%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $94,688Average earning assets
  • $7,958Average equity
  • $90,380Average loans

List of branches

  • 2 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    042479First Federal Savings And Loan Assoc200 N Morgan Street, Shelbyville, IL 62565January 01, 1906Full Service Brick and Mortar
    140825First Fs & La Of Shelbyville Thrift800 West Lincoln Avenue, Charleston, IL 61920January 01, 1882Full Service Brick and Mortar

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