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

This bank is inactive as of May 31, 1995

Fairbury Federal Savings and Loan Association in Fairbury, Illinois (IL)
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Fairbury Federal Savings and Loan Association - Overview

General
FDIC Certificate #: 29448
Status: Inactive
Closing history: Corrections
Acquiring institution: Citizens Savings Bank (#28428)
Federal Reserve ID: 558275
Date Established: January 01, 1887
Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
OTS Docket #: 3462
FDIC's unique #: 42282
Numeric code: 38
Regulator: OTS
Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
FDIC Insured: Yes
SAIF Insured: Yes
Insured Savings Institution: Yes
State Chartered: No
Date of Deposit Insurance: September 27, 1935
Last Structure Change Effective Date: May 31, 1995
Last Structure Change Process Date: June 30, 1995
Last Data Update: January 31, 1996
Data Source Date: April 05, 2012
Location
Address: 115 N Third St, Fairbury, IL 61739
County: Livingston
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): Pontiac, IL (#38700)
CBSA Micro Statistical Area: Yes
History of Changes
Merger - Without Assistance
Corrections
Financial Summary
Total assets: $83.5 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

Dollar figures in thousands
0Total employees (full-time equivalent)
$25Total assets
$81,037Cash and due from depository institutions
$1,855Interest-bearing balances
$279Securities
$10,265Federal funds sold & reverse repurchase agreements
$0Net loans & leases
$66,841Loan loss allowance
$131Trading account assets
$0Bank premises and fixed assets
$988Other real estate owned
$39Goodwill and other intangibles
$1,049Life insurance assets
$0All other assets
$0Total liabilities and capital
$81,037Total liabilities
$76,210Total deposits
$75,713Interest-bearing deposits
$74,893Deposits held in domestic offices
75713.00%% insured (estimated)
$98Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$497Total equity capital
$497Total bank equity capital
$4,827Perpetual preferred stock
$0Common stock
$0Surplus
$0Undivided profits
Memoranda
$4,827Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$362Income earned, not collected on loans
$262Earning assets
$77,385Long-term assets (5+ years)
$0Average Assets, year-to-date
$82,968Average Assets, quarterly
$81,198Volatile liabilities
$4,837Insider loans
$157FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$910Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$4,827Total risk weighted assets
$40,549Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1994)

Dollar figures in thousands
$0Total interest income
$5,170Total interest expense
$3,118Net interest income
$2,052Provision for loan and lease losses
$36Total noninterest income
$273Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$0Additional noninterest income
$273Total noninterest expense
$1,611Salaries and employee benefits
$870Premises and equipment expense
$306Additional noninterest expense
$435Pre-tax net operating income
$678Securities gains (losses)
$0Applicable income taxes
$240Income before extraordinary items
$438Extraordinary gains - net
$0Net income attributable to bank
$438Net charge-offs
$23Cash dividends
$0Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1994)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
6.53%Cost of funding earning assets
3.94%Net interest margin
2.59%Noninterest income to earning assets
0.34%Noninterest expense to earning assets
2.03%Net operating income to assets
0.53%Return on assets (ROA)
0.53%Pretax return on assets
0.82%Return on equity (ROE)
9.49%Retained earnings to average equity (YTD only)
9.49%Net charge-offs to loans
0.03%Credit loss provision to net charge-offs
156.52%Efficiency ratio
69,290Assets per employee
3.24%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.20%Loss allowance to noncurrent loans
36.19%Noncurrent assets plus other real estate owned to assets
0.49%Noncurrent loans to loans
0.54%Net loans and leases to deposits
88.28%Net loans and leases to core deposits
94.31%Equity capital to assets
5.96%Core capital (leverage) ratio
5.96%Tier 1 risk-based capital ratio
11.90%Total risk-based capital ratio
Memoranda
$12Average assets
$82,968Average earning assets
$4,616Average equity
$79,191Average loans

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