First Federal Savings and Loan Association of Central Illinois in city_name, state_name

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 routing number info

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

No	ID	Name	Address	Established	Service Type	Map
0	42479	First Federal Savings And Loan Assoc	200 N Morgan Street, Shelbyville, IL 62565	January 01, 1906	Full Service Brick and Mortar
1	40825	First Fs & La Of Shelbyville Thrift	800 West Lincoln Avenue, Charleston, IL 61920	January 01, 1882	Full Service Brick and Mortar

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