FDIC Certificate #: 30152 Status: Active Federal Reserve ID: 994770 Date Established: January 01, 1883 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 #: 4853 FDIC's unique #: 42986 Numeric code: 36 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: Mortgage Lending Specialization Date of Deposit Insurance: September 05, 1961 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: 131 East Jones St., Milford, IL 60953 County: Iroquois 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
History of Changes
Change in Primary Regulatory Agency
Financial Summary
Total assets: $25.8 mil Equity capital: $1.7 mil Deposits held in domestic offices: $23.1 mil Return on assets (ROA): 0.50% ($0.1 mil) Quarterly return on assets: -0.41% (-$0.1 mil) Return on Equity (ROE): 7.29% ($0.1 mil) Quarterly return on equity: -5.94% (-$0.1 mil) Net income: $0.1 mil Quarterly Net income: -$0.0 mil Pretax return on assets: 0.73% ($188.7 mil) Quarterly Pretax return on assets: -0.30% (-$77.5 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
3Total employees (full-time equivalent)
$25,846Total assets
$7,918Cash and due from depository institutions
$7,740Interest-bearing balances
$40Securities
$0Federal funds sold & reverse repurchase agreements
$16,901Net loans & leases
$151Loan loss allowance
$0Trading account assets
$113Bank premises and fixed assets
$529Other real estate owned
$0Goodwill and other intangibles
$25,846Life insurance assets
$345All other assets
$24,108Total liabilities and capital
$23,055Total liabilities
$23,055Total deposits
$23,055Interest-bearing deposits
$99Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$1,000Trading liabilities
$0Other borrowed funds
$53Subordinated debt
$1,738All other liabilities
$1,738Total equity capital
$1,738Total bank equity capital
$0Perpetual preferred stock
$0Common stock
$0Surplus
$1,738Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$658Income earned, not collected on loans
$0Earning assets
$133Long-term assets (5+ years)
$24,681Average Assets, year-to-date
$0Average Assets, quarterly
$25,001Volatile liabilities
$25,628Insider loans
$12,104FHLB advances
$25,846Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$1,738Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,085Restructured Loans and leases
$176Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,021Total interest income
$320Total interest expense
$701Net interest income
$122Provision for loan and lease losses
$10Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$10Additional noninterest income
$406Total noninterest expense
$235Salaries and employee benefits
$12Premises and equipment expense
$159Additional noninterest expense
$183Pre-tax net operating income
$0Securities gains (losses)
$59Applicable income taxes
$124Income before extraordinary items
$0Extraordinary gains - net
$124Net income attributable to bank
$0Net charge-offs
$124Cash 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)
4.20%Yield on earning assets
1.32%Cost of funding earning assets
2.89%Net interest margin
0.04%Noninterest income to earning assets
1.67%Noninterest expense to earning assets
0.50%Net operating income to assets
0.50%Return on assets (ROA)
0.73%Pretax return on assets
7.29%Return on equity (ROE)
7.29%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
57,103Assets per employee
8.62%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.89%Loss allowance to noncurrent loans
22.95%Noncurrent assets plus other real estate owned to assets
4.59%Noncurrent loans to loans
3.86%Net loans and leases to deposits
73.31%Net loans and leases to core deposits
81.28%Equity capital to assets
6.72%Core capital (leverage) ratio
6.72%Tier 1 risk-based capital ratio
14.36%Total risk-based capital ratio
Memoranda
$16Average assets
$25,001Average earning assets
$1,701Average equity
$24,287Average loans
List of branches
1 Illinois Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
42986
Milford Building And Loan Associatio
131 East Jones St., Milford, IL 60953
January 01, 1883
Full Service Brick and Mortar
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