First Bank & Trust, S.B. in city_name, state_name - Detailed Financial Reports, Location

First Bank & Trust, S.B. in Paris, Illinois (IL)
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First Bank & Trust, S.B. routing number info

First Bank & Trust, S.B. - Overview

General
FDIC Certificate #: 29786
Status: Active
Federal Reserve ID: 221476
Bank Holding Company (Regulatory Top Holder): First Banctrust Corporation (RSSDID: 2971261, Location: Paris, IL)
Date Established: January 01, 1887
WWW: http://www.firstbanktrust.com
Trust Powers Granted: Yes
Bank Charter Class: Savings banks, state charter, supervised by the FDIC
Offices: 7 (Domestic: 7, Interstate: No)
OTS Docket #: 4087
FDIC's unique #: 42620
Numeric code: 41
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: Commercial Lending Specialization
Date of Deposit Insurance: December 29, 1937
Last Structure Change Effective Date: Febuary 01, 2009
Last Structure Change Process Date: April 28, 2009
Last Data Update: April 28, 2009
Data Source Date: April 05, 2012
Location
Address: 101 South Central Avenue, Paris, IL 61944
County: Edgar
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
Financial Summary
Total assets: $392.6 mil
Equity capital: $41.3 mil
Deposits held in domestic offices: $303.8 mil
Return on assets (ROA): 0.99% ($3.9 mil)
Quarterly return on assets: 1.03% ($4.0 mil)
Return on Equity (ROE): 9.32% ($3.8 mil)
Quarterly return on equity: 9.56% ($3.9 mil)
Net income: $3.9 mil
Quarterly Net income: $1.0 mil
Pretax return on assets: 1.53% ($6,006.0 mil)
Quarterly Pretax return on assets: 1.64% ($6,437.9 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
102Total employees (full-time equivalent)
$392,552Total assets
$14,714Cash and due from depository institutions
$7,913Interest-bearing balances
$56,094Securities
$4,026Federal funds sold & reverse repurchase agreements
$287,120Net loans & leases
$4,555Loan loss allowance
$0Trading account assets
$12,604Bank premises and fixed assets
$777Other real estate owned
$1,320Goodwill and other intangibles
$392,552Life insurance assets
$15,897All other assets
$351,236Total liabilities and capital
$303,780Total liabilities
$294,166Total deposits
$303,780Interest-bearing deposits
$91Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$44,000Trading liabilities
$0Other borrowed funds
$3,456Subordinated debt
$41,316All other liabilities
$41,316Total equity capital
$41,316Total bank equity capital
$0Perpetual preferred stock
$1Common stock
$17,195Surplus
$24,120Undivided profits
Memoranda
$0Noncurrent loans and leases
$414Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$4,407Income earned, not collected on loans
$75Earning assets
$2,612Long-term assets (5+ years)
$355,153Average Assets, year-to-date
$63,536Average Assets, quarterly
$396,702Volatile liabilities
$392,308Insider loans
$287,977FHLB advances
$390,158Loans and leases held for sale
$6,925Unused loan commitments
$6,925Tier 1 (core) risk-based capital
$39,404Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$35,577Restructured Loans and leases
$697Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$20,121Total interest income
$4,658Total interest expense
$15,463Net interest income
$2,298Provision for loan and lease losses
$3,076Total noninterest income
$10Fiduciary activities
$1,023Service charges on deposit accounts
$0Trading account gains & fees
$2,043Additional noninterest income
$10,307Total noninterest expense
$5,239Salaries and employee benefits
$1,517Premises and equipment expense
$3,551Additional noninterest expense
$5,934Pre-tax net operating income
$126Securities gains (losses)
$2,137Applicable income taxes
$3,923Income before extraordinary items
$0Extraordinary gains - net
$3,923Net income attributable to bank
$0Net charge-offs
$3,923Cash dividends
$1,840Sale, conversion, retirement of capital stock, net
$4,400Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.60%Yield on earning assets
1.30%Cost of funding earning assets
4.31%Net interest margin
0.86%Noninterest income to earning assets
2.87%Noninterest expense to earning assets
0.97%Net operating income to assets
0.99%Return on assets (ROA)
1.53%Pretax return on assets
9.32%Return on equity (ROE)
-1.13%Retained earnings to average equity (YTD only)
0.63%Net charge-offs to loans
124.89%Credit loss provision to net charge-offs
4.47%Efficiency ratio
55,030Assets per employee
3.85%Cash dividends to net income (YTD only)
Condition Ratios (%)
112.16%Loss allowance to loans
1.56%Loss allowance to noncurrent loans
103.36%Noncurrent assets plus other real estate owned to assets
1.32%Noncurrent loans to loans
1.51%Net loans and leases to deposits
94.52%Net loans and leases to core deposits
99.93%Equity capital to assets
10.52%Core capital (leverage) ratio
10.10%Tier 1 risk-based capital ratio
13.68%Total risk-based capital ratio
Memoranda
$15Average assets
$396,702Average earning assets
$42,084Average equity
$359,027Average 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
$56Managed Assets
1Number of Accounts
$56Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Investment management agency accounts
$0Other fiduciary accounts
$56Fiduciary accounts held in foreign offices
$0Non-managed Assets
1Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices

List of branches

7 Illinois Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	42620	First Bank & Trust, S.B.	101 South Central Avenue, Paris, IL 61944	January 01, 1887	Full Service Brick and Mortar
2	277165	Marshall Branch	610 North Michigan Avenue, Marshall, IL 62441	January 01, 1887	Full Service Brick and Mortar
5	364531	Savoy Branch	1251 Woodfield Drive, Savoy, IL 61874	July 05, 2001	Full Service Brick and Mortar
7	441471	West Washington Street Branch	208 West Washington Street, Paris, IL 61944	June 24, 2005	Full Service Brick and Mortar
8	43424	Rantoul First Branch	1500 East Grove Street, Rantoul, IL 61866	August 19, 1952	Full Service Brick and Mortar
9	450905	Martinsville Branch	10 East Cumberland Street, Martinsville, IL 62442	May 01, 2006	Full Service Brick and Mortar
11	510596	Champaign Branch	114 West Church Street, Champaign, IL 61824	October 19, 2009	Full Service Brick and Mortar

First Bank & Trust, S.B. in Paris, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

First Bank & Trust, S.B. - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

First Bank & Trust, S.B. in Paris, Illinois (IL)Overview, Financial Summary, Detailed Financial Reports, Branches

First Bank & Trust, S.B. - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

First Bank & Trust, S.B. in Paris, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches