Charleston Federal Savings and Loan Association - Overview
General
FDIC Certificate #: 27991 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:First Federal Savings and Loan Association of Central Illinois (#29645) Federal Reserve ID: 724575 Date Established: January 01, 1882 Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) OTS Docket #: 688 FDIC's unique #: 40825 Numeric code: 38 Regulator: OTS Insurance Fund Membership: Deposit Insurance Fund (DIF) FDIC Insured: Yes Insured Savings Institution: Yes Deposit Insurance Fund member: Yes State Chartered: No Date of Deposit Insurance: September 12, 1935 Last Structure Change Effective Date: December 16, 2008 Last Structure Change Process Date: December 17, 2008 Last Data Update: December 17, 2008 Data Source Date: April 05, 2012
Location
Address: 800 West Lincoln Avenue, Charleston, IL 61920 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
Financial Summary
Total assets: $32.9 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2007)
Dollar figures in thousands
8Total employees (full-time equivalent)
$32,593Total assets
$2,130Cash and due from depository institutions
$1,982Interest-bearing balances
$23,954Securities
$0Federal funds sold & reverse repurchase agreements
$5,532Net loans & leases
$83Loan loss allowance
$0Trading account assets
$397Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$580All other assets
$32,592Total liabilities and capital
$29,886Total liabilities
$29,836Total deposits
$29,836Interest-bearing deposits
$29,836Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$50All other liabilities
$2,706Total equity capital
$2,706Total bank equity capital
$2,706Perpetual preferred stock
$0Common stock
$0Surplus
$0Undivided profits
Memoranda
$2,706Noncurrent loans and leases
$161Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$64Earning assets
$0Long-term assets (5+ years)
$188Average Assets, year-to-date
$31,468Average Assets, quarterly
$0Volatile liabilities
$31,714Insider loans
$32,466FHLB advances
$2,740Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$161Total unused commitments
$0Restructured Loans and leases
$72Derivatives
Income and Expense (December 31, 2007)
Dollar figures in thousands
$1,623Total interest income
$1,012Total interest expense
$611Net interest income
$5Provision for loan and lease losses
$102Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$102Additional noninterest income
$672Total noninterest expense
$340Salaries and employee benefits
$196Premises and equipment expense
$136Additional noninterest expense
$36Pre-tax net operating income
$0Securities gains (losses)
$8Applicable income taxes
$28Income before extraordinary items
$0Extraordinary gains - net
$28Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$0Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2007)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.30%Yield on earning assets
3.31%Cost of funding earning assets
2.00%Net interest margin
0.33%Noninterest income to earning assets
2.20%Noninterest expense to earning assets
0.09%Net operating income to assets
0.09%Return on assets (ROA)
0.11%Pretax return on assets
1.04%Return on equity (ROE)
1.04%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
94,250Assets per employee
4.07%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.48%Loss allowance to noncurrent loans
129.69%Noncurrent assets plus other real estate owned to assets
0.20%Noncurrent loans to loans
1.14%Net loans and leases to deposits
18.54%Net loans and leases to core deposits
20.42%Equity capital to assets
8.30%Core capital (leverage) ratio
8.30%Tier 1 risk-based capital ratio
47.23%Total risk-based capital ratio
Memoranda
$48Average assets
$31,714Average earning assets
$2,690Average equity
$30,609Average loans
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