First Savings Bank in Danville, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches


First Savings Bank - Overview

  • General
  • 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
  • NoIDNameAddressEstablishedService TypeMap
    041557First Savings Bank6 West Williams Street, Danville, IL 61832January 01, 1880Full Service Brick and Mortar

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