First Federal Savings and Loan Association of Mattoon - Overview
General
FDIC Certificate #: 27858 Status: Active Federal Reserve ID: 676076 Date Established: January 01, 1889 WWW:http://www.firstfederalmattoon.com Trust Powers Granted: No Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 412 FDIC's unique #: 40692 Numeric code: 37 Regulator: OCC 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: No Subchapter S Corporations: No Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion Date of Deposit Insurance: October 23, 1936 Last Structure Change Effective Date: July 21, 2011 Last Structure Change Process Date: July 21, 2011 Last Data Update: July 21, 2011 Data Source Date: April 05, 2012
Location
Address: 1111 Charleston Avenue, Mattoon, IL 61938 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
History of Changes
Change in Primary Regulatory Agency
Financial Summary
Total assets: $89.1 mil Equity capital: $24.4 mil Deposits held in domestic offices: $63.5 mil Return on assets (ROA): 0.62% ($0.6 mil) Quarterly return on assets: 0.46% ($0.4 mil) Return on Equity (ROE): 2.35% ($0.6 mil) Quarterly return on equity: 1.69% ($0.4 mil) Net income: $0.6 mil Quarterly Net income: $0.1 mil Pretax return on assets: 0.89% ($792.7 mil) Quarterly Pretax return on assets: 0.70% ($623.5 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
20Total employees (full-time equivalent)
$89,071Total assets
$12,871Cash and due from depository institutions
$11,889Interest-bearing balances
$40,318Securities
$201Federal funds sold & reverse repurchase agreements
$30,554Net loans & leases
$287Loan loss allowance
$0Trading account assets
$1,945Bank premises and fixed assets
$136Other real estate owned
$0Goodwill and other intangibles
$89,071Life insurance assets
$3,046All other assets
$64,650Total liabilities and capital
$63,476Total liabilities
$61,578Total deposits
$63,476Interest-bearing deposits
$97Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$1,174Subordinated debt
$24,421All other liabilities
$24,421Total equity capital
$24,421Total bank equity capital
$0Perpetual preferred stock
$1Common stock
$0Surplus
$24,420Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$31Income earned, not collected on loans
$0Earning assets
$287Long-term assets (5+ years)
$82,962Average Assets, year-to-date
$0Average Assets, quarterly
$90,438Volatile liabilities
$89,280Insider loans
$32,864FHLB advances
$87,774Loans and leases held for sale
$1,889Unused loan commitments
$0Tier 1 (core) risk-based capital
$23,565Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,328Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$3,283Total interest income
$632Total interest expense
$2,651Net interest income
$87Provision for loan and lease losses
$172Total noninterest income
$0Fiduciary activities
$7Service charges on deposit accounts
$0Trading account gains & fees
$165Additional noninterest income
$2,005Total noninterest expense
$1,310Salaries and employee benefits
$362Premises and equipment expense
$333Additional noninterest expense
$731Pre-tax net operating income
$75Securities gains (losses)
$242Applicable income taxes
$564Income before extraordinary items
$0Extraordinary gains - net
$564Net income attributable to bank
$0Net charge-offs
$564Cash dividends
$0Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.89%Yield on earning assets
0.75%Cost of funding earning assets
3.14%Net interest margin
0.20%Noninterest income to earning assets
2.37%Noninterest expense to earning assets
0.57%Net operating income to assets
0.62%Return on assets (ROA)
0.89%Pretax return on assets
2.35%Return on equity (ROE)
2.35%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
71,024Assets per employee
4.45%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.93%Loss allowance to noncurrent loans
925.81%Noncurrent assets plus other real estate owned to assets
0.19%Noncurrent loans to loans
0.10%Net loans and leases to deposits
48.13%Net loans and leases to core deposits
48.87%Equity capital to assets
27.42%Core capital (leverage) ratio
26.85%Tier 1 risk-based capital ratio
71.70%Total risk-based capital ratio
Memoranda
$73Average assets
$90,438Average earning assets
$23,955Average equity
$84,439Average 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
First Federal Savings and Loan Association of Mattoon
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