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


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

  • General
  • FDIC Certificate #: 27858
    Status: Active
    Federal Reserve ID: 676076
    Date Established: January 01, 1889
    WWW: http://www.firstfederalmattoon.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 412
    FDIC's unique #: 40692
    Numeric code: 37
    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: Other Specialized Lending < 1 Billion
    Date of Deposit Insurance: October 23, 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: 1111 Charleston Avenue, Mattoon, IL 61938
    County: Coles
    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
    Core Based Statistical Area (CBSA): Charleston-Mattoon, IL (#16660)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $89.1 mil
    Equity capital: $24.4 mil
    Deposits held in domestic offices: $63.5 mil
    Return on assets (ROA): 0.62% ($0.6 mil)
    Quarterly return on assets: 0.46% ($0.4 mil)
    Return on Equity (ROE): 2.35% ($0.6 mil)
    Quarterly return on equity: 1.69% ($0.4 mil)
    Net income: $0.6 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.89% ($792.7 mil)
    Quarterly Pretax return on assets: 0.70% ($623.5 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
  • 20Total employees (full-time equivalent)
  • $89,071Total assets
  • $12,871Cash and due from depository institutions
  • $11,889Interest-bearing balances
  • $40,318Securities
  • $201Federal funds sold & reverse repurchase agreements
  • $30,554Net loans & leases
  • $287Loan loss allowance
  • $0Trading account assets
  • $1,945Bank premises and fixed assets
  • $136Other real estate owned
  • $0Goodwill and other intangibles
  • $89,071Life insurance assets
  • $3,046All other assets
  • $64,650Total liabilities and capital
  • $63,476Total liabilities
  • $61,578Total deposits
  • $63,476Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,174Subordinated debt
  • $24,421All other liabilities
  • $24,421Total equity capital
  • $24,421Total bank equity capital
  • $0Perpetual preferred stock
  • $1Common stock
  • $0Surplus
  • $24,420Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $31Income earned, not collected on loans
  • $0Earning assets
  • $287Long-term assets (5+ years)
  • $82,962Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $90,438Volatile liabilities
  • $89,280Insider loans
  • $32,864FHLB advances
  • $87,774Loans and leases held for sale
  • $1,889Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $23,565Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,328Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,283Total interest income
  • $632Total interest expense
  • $2,651Net interest income
  • $87Provision for loan and lease losses
  • $172Total noninterest income
  • $0Fiduciary activities
  • $7Service charges on deposit accounts
  • $0Trading account gains & fees
  • $165Additional noninterest income
  • $2,005Total noninterest expense
  • $1,310Salaries and employee benefits
  • $362Premises and equipment expense
  • $333Additional noninterest expense
  • $731Pre-tax net operating income
  • $75Securities gains (losses)
  • $242Applicable income taxes
  • $564Income before extraordinary items
  • $0Extraordinary gains - net
  • $564Net income attributable to bank
  • $0Net charge-offs
  • $564Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.89%Yield on earning assets
  • 0.75%Cost of funding earning assets
  • 3.14%Net interest margin
  • 0.20%Noninterest income to earning assets
  • 2.37%Noninterest expense to earning assets
  • 0.57%Net operating income to assets
  • 0.62%Return on assets (ROA)
  • 0.89%Pretax return on assets
  • 2.35%Return on equity (ROE)
  • 2.35%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 71,024Assets per employee
  • 4.45%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.93%Loss allowance to noncurrent loans
  • 925.81%Noncurrent assets plus other real estate owned to assets
  • 0.19%Noncurrent loans to loans
  • 0.10%Net loans and leases to deposits
  • 48.13%Net loans and leases to core deposits
  • 48.87%Equity capital to assets
  • 27.42%Core capital (leverage) ratio
  • 26.85%Tier 1 risk-based capital ratio
  • 71.70%Total risk-based capital ratio
  • Memoranda
  • $73Average assets
  • $90,438Average earning assets
  • $23,955Average equity
  • $84,439Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $5,040Managed Assets
  • 1Number of Accounts
  • $3,436Personal trust and agency accounts
  • $3,436Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 37Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $1,604Other retirement accounts
  • $202Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $1,401Fiduciary accounts held in foreign offices

List of branches

  • 1 Illinois Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    040692First Federal Savings And Loan Assoc1111 Charleston Avenue, Mattoon, IL 61938January 01, 1889Full Service Brick and Mortar

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