FDIC Certificate #: 28723 Status: Active Federal Reserve ID: 627377 Date Established: January 01, 1880 WWW:http://www.fsbdanville.com Trust Powers Granted: No Bank Charter Class: Savings banks, state charter, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 2229 FDIC's unique #: 41557 Numeric code: 42 Regulator: FDIC 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: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: Mortgage Lending Specialization Date of Deposit Insurance: April 27, 1973 Last Structure Change Effective Date: March 31, 2006 Last Structure Change Process Date: November 03, 2006 Last Data Update: November 03, 2006 Data Source Date: April 05, 2012
Location
Address: 6 West Williams Street, Danville, IL 61832 County: Vermilion 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): Danville, IL (#19180) CBSA Metro Statistical Area: Danville, IL (#19180)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $37.7 mil Equity capital: $8.7 mil Deposits held in domestic offices: $24.5 mil Return on assets (ROA): 0.77% ($0.3 mil) Quarterly return on assets: 0.63% ($0.2 mil) Return on Equity (ROE): 3.51% ($0.3 mil) Quarterly return on equity: 2.74% ($0.2 mil) Net income: $0.3 mil Quarterly Net income: $0.1 mil Pretax return on assets: 0.85% ($320.6 mil) Quarterly Pretax return on assets: 0.66% ($248.9 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
5Total employees (full-time equivalent)
$37,718Total assets
$6,691Cash and due from depository institutions
$6,364Interest-bearing balances
$17,783Securities
$0Federal funds sold & reverse repurchase agreements
$12,311Net loans & leases
$139Loan loss allowance
$0Trading account assets
$115Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$37,718Life insurance assets
$818All other assets
$29,055Total liabilities and capital
$24,491Total liabilities
$24,448Total deposits
$24,491Interest-bearing deposits
$100Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$4,200Trading liabilities
$0Other borrowed funds
$364Subordinated debt
$8,663All other liabilities
$8,663Total equity capital
$8,663Total bank equity capital
$0Perpetual preferred stock
$0Common stock
$0Surplus
$8,663Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$849Income earned, not collected on loans
$0Earning assets
$151Long-term assets (5+ years)
$36,458Average Assets, year-to-date
$27,103Average Assets, quarterly
$37,916Volatile liabilities
$37,692Insider loans
$11,680FHLB advances
$37,775Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$8,169Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$0Restructured Loans and leases
$228Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,391Total interest income
$415Total interest expense
$976Net interest income
$7Provision for loan and lease losses
$102Total noninterest income
$0Fiduciary activities
$1Service charges on deposit accounts
$0Trading account gains & fees
$101Additional noninterest income
$760Total noninterest expense
$358Salaries and employee benefits
$61Premises and equipment expense
$341Additional noninterest expense
$311Pre-tax net operating income
$11Securities gains (losses)
$30Applicable income taxes
$292Income before extraordinary items
$0Extraordinary gains - net
$292Net income attributable to bank
$0Net charge-offs
$292Cash dividends
$13Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.81%Yield on earning assets
1.14%Cost of funding earning assets
2.67%Net interest margin
0.28%Noninterest income to earning assets
2.08%Noninterest expense to earning assets
0.74%Net operating income to assets
0.77%Return on assets (ROA)
0.85%Pretax return on assets
3.51%Return on equity (ROE)
3.51%Retained earnings to average equity (YTD only)
0.09%Net charge-offs to loans
53.85%Credit loss provision to net charge-offs
24.46%Efficiency ratio
70,501Assets per employee
7.54%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.12%Loss allowance to noncurrent loans
16.37%Noncurrent assets plus other real estate owned to assets
2.25%Noncurrent loans to loans
6.82%Net loans and leases to deposits
50.27%Net loans and leases to core deposits
52.09%Equity capital to assets
22.97%Core capital (leverage) ratio
21.63%Tier 1 risk-based capital ratio
69.94%Total risk-based capital ratio
Memoranda
$71Average assets
$37,916Average earning assets
$8,316Average equity
$36,506Average loans
List of branches
1 Illinois Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
41557
First Savings Bank
6 West Williams Street, Danville, IL 61832
January 01, 1880
Full Service Brick and Mortar
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