FDIC Certificate #: 14321 Status: Active Federal Reserve ID: 772745 Bank Holding Company (Regulatory Top Holder): First Illinois Bancorp, Inc. (RSSDID: 1095889, Location: East Saint Louis, IL) Date Established: May 09, 1934 WWW:http://www.firstillinoisbank.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 8947 Numeric code: 13 Regulator: FED Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: Yes Asset Concentration Hierarchy: Mortgage Lending Specialization Date of Deposit Insurance: May 09, 1934 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: 327-333 Missouri Avenue, East St. Louis, IL 62202 County: St. Clair Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Chicago FDIC Field Office: Mount Vernon Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: Central Metropolitan Statistical Area (MSA): St. Louis, MO-IL (#7040) Combined Statistical Area (CSA): St. Louis-St. Charles-Farmington, MO-IL (#476) Core Based Statistical Area (CBSA): St. Louis, MO-IL (#41180) CBSA Metro Statistical Area: St. Louis, MO-IL (#41180)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $49.9 mil Equity capital: $5.6 mil Deposits held in domestic offices: $44.2 mil Return on assets (ROA): 1.98% ($1.0 mil) Quarterly return on assets: 1.97% ($1.0 mil) Return on Equity (ROE): 19.99% ($1.2 mil) Quarterly return on equity: 18.20% ($1.1 mil) Net income: $1.0 mil Quarterly Net income: $0.2 mil Pretax return on assets: 1.98% ($987.3 mil) Quarterly Pretax return on assets: 1.97% ($982.3 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
18Total employees (full-time equivalent)
$49,862Total assets
$3,377Cash and due from depository institutions
$0Interest-bearing balances
$38,690Securities
$0Federal funds sold & reverse repurchase agreements
$6,788Net loans & leases
$413Loan loss allowance
$0Trading account assets
$638Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$49,863Life insurance assets
$369All other assets
$44,299Total liabilities and capital
$44,243Total liabilities
$29,343Total deposits
$44,243Interest-bearing deposits
$72Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$56Subordinated debt
$5,564All other liabilities
$5,564Total equity capital
$5,564Total bank equity capital
$0Perpetual preferred stock
$1,000Common stock
$1,123Surplus
$3,441Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$54Income earned, not collected on loans
$0Earning assets
$201Long-term assets (5+ years)
$45,478Average Assets, year-to-date
$38,672Average Assets, quarterly
$51,361Volatile liabilities
$50,304Insider loans
$6,433FHLB advances
$51,602Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$5,003Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$4,597Restructured Loans and leases
$1,759Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,247Total interest income
$152Total interest expense
$2,095Net interest income
$72Provision for loan and lease losses
$369Total noninterest income
$0Fiduciary activities
$160Service charges on deposit accounts
$0Trading account gains & fees
$209Additional noninterest income
$1,377Total noninterest expense
$658Salaries and employee benefits
$235Premises and equipment expense
$484Additional noninterest expense
$1,015Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$1,015Income before extraordinary items
$0Extraordinary gains - net
$1,015Net income attributable to bank
$0Net charge-offs
$1,015Cash dividends
$21Sale, conversion, retirement of capital stock, net
$450Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.78%Yield on earning assets
0.32%Cost of funding earning assets
4.46%Net interest margin
0.78%Noninterest income to earning assets
2.93%Noninterest expense to earning assets
1.98%Net operating income to assets
1.98%Return on assets (ROA)
1.98%Pretax return on assets
19.99%Return on equity (ROE)
11.13%Retained earnings to average equity (YTD only)
0.28%Net charge-offs to loans
342.86%Credit loss provision to net charge-offs
51.76%Efficiency ratio
55,885Assets per employee
2.77%Cash dividends to net income (YTD only)
Condition Ratios (%)
44.33%Loss allowance to loans
5.74%Loss allowance to noncurrent loans
764.81%Noncurrent assets plus other real estate owned to assets
0.11%Noncurrent loans to loans
0.75%Net loans and leases to deposits
15.34%Net loans and leases to core deposits
16.01%Equity capital to assets
11.16%Core capital (leverage) ratio
9.70%Tier 1 risk-based capital ratio
77.77%Total risk-based capital ratio
Memoranda
$79Average assets
$51,361Average earning assets
$5,078Average equity
$47,024Average loans
List of branches
1 Illinois Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
8947
First Illinois Bank
327-333 Missouri Avenue, East St. Louis, IL 62202
May 09, 1934
Full Service Brick and Mortar
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