First Trust Bank of Shelbyville in Shelbyville, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of June 19, 2002

First Trust Bank of Shelbyville in Shelbyville, Illinois (IL)
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First Trust Bank of Shelbyville - Overview

General
FDIC Certificate #: 10082
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Main Street Bank & Trust (#10842)
Federal Reserve ID: 234944
Date Established: January 01, 1909
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Interstate: No)
FDIC's unique #: 6446
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: Yes
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: June 19, 2002
Last Structure Change Process Date: July 03, 2002
Last Data Update: July 03, 2002
Data Source Date: April 05, 2012
Location
Address: 200 West Main Street, Shelbyville, IL 62565
County: Shelby
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: $75.3 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, 2001)

Dollar figures in thousands
21Total employees (full-time equivalent)
$76,736Total assets
$2,636Cash and due from depository institutions
$0Interest-bearing balances
$28,584Securities
$1,860Federal funds sold & reverse repurchase agreements
$41,413Net loans & leases
$553Loan loss allowance
$0Trading account assets
$665Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$1,578All other assets
$76,736Total liabilities and capital
$65,976Total liabilities
$63,132Total deposits
$56,727Interest-bearing deposits
$63,132Deposits held in domestic offices
0.00%% insured (estimated)
$2,135Federal funds purchased & repurchase agreements
$0Trading liabilities
$10Other borrowed funds
$0Subordinated debt
$699All other liabilities
$10,760Total equity capital
$10,760Total bank equity capital
$10,760Perpetual preferred stock
$0Common stock
$450Surplus
$676Undivided profits
Memoranda
$9,634Noncurrent loans and leases
$4,385Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$1,088Earning assets
$0Long-term assets (5+ years)
$1,058Average Assets, year-to-date
$71,857Average Assets, quarterly
$11,326Volatile liabilities
$74,517Insider loans
$77,221FHLB advances
$7,472Loans and leases held for sale
$434Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$4,385Total unused commitments
$0Restructured Loans and leases
$553Derivatives

Income and Expense (December 31, 2001)

Dollar figures in thousands
$4,779Total interest income
$2,362Total interest expense
$2,417Net interest income
$1,140Provision for loan and lease losses
$360Total noninterest income
$124Fiduciary activities
$117Service charges on deposit accounts
$0Trading account gains & fees
$119Additional noninterest income
$1,632Total noninterest expense
$879Salaries and employee benefits
$235Premises and equipment expense
$518Additional noninterest expense
$5Pre-tax net operating income
$9Securities gains (losses)
-$148Applicable income taxes
$162Income before extraordinary items
$0Extraordinary gains - net
$162Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$912Sale, conversion, retirement of capital stock, net
$1,500Net operating income

Performance and Condition Ratios (December 31, 2001)

Dollar figures in thousands
Performance Ratios (%, annualized)
6.77%Yield on earning assets
3.35%Cost of funding earning assets
3.42%Net interest margin
0.51%Noninterest income to earning assets
2.31%Noninterest expense to earning assets
0.21%Net operating income to assets
0.22%Return on assets (ROA)
0.02%Pretax return on assets
1.39%Return on equity (ROE)
-11.45%Retained earnings to average equity (YTD only)
2.19%Net charge-offs to loans
125.00%Credit loss provision to net charge-offs
1.26%Efficiency ratio
58,768Assets per employee
3.65%Cash dividends to net income (YTD only)
Condition Ratios (%)
925.93%Loss allowance to loans
1.32%Loss allowance to noncurrent loans
50.83%Noncurrent assets plus other real estate owned to assets
1.42%Noncurrent loans to loans
2.59%Net loans and leases to deposits
65.60%Net loans and leases to core deposits
71.64%Equity capital to assets
14.02%Core capital (leverage) ratio
13.31%Tier 1 risk-based capital ratio
21.48%Total risk-based capital ratio
Memoranda
$23Average assets
$74,517Average earning assets
$11,690Average equity
$70,576Average loans

Total Fiduciary and Related Assets (December 31, 2001)

Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
YesFiduciary powers granted
YesFiduciary or related activity
$35,105Managed Assets
1Number of Accounts
$31,221Personal trust and agency accounts
$20,235Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Investment management agency accounts
$10,986Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
70Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$3,884Other retirement accounts
$32Corporate trust and agency accounts
$3,596Other fiduciary accounts
$255Fiduciary accounts held in foreign offices

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