FDIC Certificate #: 30590 Status: Inactive Closing history: Name Change Acquiring institution:First Bank & Trust, S.B. (#29786) Federal Reserve ID: 315973 Date Established: August 19, 1952 WWW:http://www.rantoulfirst.com Bank Charter Class: Savings banks, state charter, supervised by the FDIC Offices: 1 (Interstate: No) OTS Docket #: 5600 FDIC's unique #: 43424 Numeric code: 42 Regulator: FDIC Insurance Fund Membership: Savings Association Insurance Fund (SAIF) FDIC Insured: Yes SAIF Insured: Yes Insured Savings Institution: Yes State Chartered: Yes Date of Deposit Insurance: August 19, 1952 Last Structure Change Effective Date: October 01, 2005 Last Structure Change Process Date: October 12, 2005 Last Data Update: October 12, 2005 Data Source Date: April 05, 2012
Location
Address: 1500 East Grove Street, Rantoul, IL 61866 County: Champaign 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 Metropolitan Statistical Area (MSA): Champaign-Urbana, IL (#1400) Core Based Statistical Area (CBSA): Champaign-Urbana, IL (#16580) CBSA Metro Statistical Area: Champaign-Urbana, IL (#16580)
History of Changes
Merger - Without Assistance
Participated in Reorganization
Name Change
Financial Summary
Total assets: $29.5 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2004)
Dollar figures in thousands
10Total employees (full-time equivalent)
$30,926Total assets
$385Cash and due from depository institutions
$140Interest-bearing balances
$11,071Securities
$0Federal funds sold & reverse repurchase agreements
$15,453Net loans & leases
$220Loan loss allowance
$0Trading account assets
$1,076Bank premises and fixed assets
$570Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$2,371All other assets
$30,926Total liabilities and capital
$28,588Total liabilities
$27,022Total deposits
$26,580Interest-bearing deposits
$27,022Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$1,283Other borrowed funds
$0Subordinated debt
$283All other liabilities
$2,338Total equity capital
$2,338Total bank equity capital
$2,338Perpetual preferred stock
$0Common stock
$191Surplus
$1,312Undivided profits
Memoranda
$835Noncurrent loans and leases
$1,592Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$49Earning assets
$0Long-term assets (5+ years)
$186Average Assets, year-to-date
$26,664Average Assets, quarterly
$16,882Volatile liabilities
$31,838Insider loans
$31,547FHLB advances
$3,630Loans and leases held for sale
$961Unused loan commitments
$1,150Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$1,592Total unused commitments
$0Restructured Loans and leases
$183Derivatives
Income and Expense (December 31, 2004)
Dollar figures in thousands
$1,633Total interest income
$714Total interest expense
$919Net interest income
-$70Provision for loan and lease losses
$103Total noninterest income
$0Fiduciary activities
$98Service charges on deposit accounts
$0Trading account gains & fees
$5Additional noninterest income
$1,166Total noninterest expense
$495Salaries and employee benefits
$170Premises and equipment expense
$501Additional noninterest expense
-$74Pre-tax net operating income
-$35Securities gains (losses)
$0Applicable income taxes
-$109Income before extraordinary items
$0Extraordinary gains - net
-$109Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$32Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2004)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.92%Yield on earning assets
2.59%Cost of funding earning assets
3.33%Net interest margin
0.37%Noninterest income to earning assets
4.23%Noninterest expense to earning assets
-0.23%Net operating income to assets
-0.34%Return on assets (ROA)
-0.34%Pretax return on assets
-4.72%Return on equity (ROE)
-4.72%Retained earnings to average equity (YTD only)
0.21%Net charge-offs to loans
-218.75%Credit loss provision to net charge-offs
-4.50%Efficiency ratio
114,090Assets per employee
3.09%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.40%Loss allowance to noncurrent loans
448.98%Noncurrent assets plus other real estate owned to assets
2.00%Noncurrent loans to loans
0.31%Net loans and leases to deposits
57.19%Net loans and leases to core deposits
64.81%Equity capital to assets
7.56%Core capital (leverage) ratio
7.77%Tier 1 risk-based capital ratio
16.72%Total risk-based capital ratio
Memoranda
$18Average assets
$31,838Average earning assets
$2,310Average equity
$27,587Average loans
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