FDIC Certificate #: 32266 Status: Active Federal Reserve ID: 202578 Date Established: January 15, 1985 WWW:http://www.acaciafederal.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 #: 8070 FDIC's unique #: 45100 Numeric code: 33 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: Mortgage Lending Specialization Date of Deposit Insurance: January 15, 1985 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: 7600 Leesburg Pike, Suite 200, Falls Church, VA 22043 County: Fairfax Quarterly Banking Profile Region: Atlanta FDIC Geographic Region: Atlanta FDIC Supervisory Region: Atlanta FDIC Field Office: Richmond Office of the Comptroller the Currency (OCC) District: Northeast Office of Thrift Supervision Region: Southeast Metropolitan Statistical Area (MSA): Washington, DC-MD-VA-WV (#8840) Consolidated Metropolitan Statistical Area (CMSA): Washington-Baltimore, DC-MD-VA-WV (#97) Combined Statistical Area (CSA): Washington-Baltimore-Northern Virginia, DC-MD-VA-WV (#548) Core Based Statistical Area (CBSA): Washington-Arlington-Alexandria, DC-VA-MD-WV (#47900) CBSA Metro Statistical Area: Washington-Arlington-Alexandria, DC-VA-MD-WV (#47900) Core Based Statistical Division: Washington-Arlington-Alexandria, DC-VA-MD-WV (#47894)
History of Changes
Change in Primary Regulatory Agency
Financial Summary
Total assets: $994.3 mil Equity capital: $125.6 mil Deposits held in domestic offices: $654.9 mil Return on assets (ROA): 0.12% ($1.2 mil) Quarterly return on assets: 0.08% ($0.8 mil) Return on Equity (ROE): 1.03% ($1.3 mil) Quarterly return on equity: 0.63% ($0.8 mil) Net income: $1.3 mil Quarterly Net income: $0.2 mil Pretax return on assets: 0.19% ($1,889.2 mil) Quarterly Pretax return on assets: 0.09% ($894.9 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
83Total employees (full-time equivalent)
$994,311Total assets
$18,678Cash and due from depository institutions
$18,588Interest-bearing balances
$78,884Securities
$3,103Federal funds sold & reverse repurchase agreements
$849,756Net loans & leases
$12,712Loan loss allowance
$0Trading account assets
$496Bank premises and fixed assets
$8,671Other real estate owned
$2,004Goodwill and other intangibles
$994,311Life insurance assets
$32,719All other assets
$868,677Total liabilities and capital
$654,949Total liabilities
$629,850Total deposits
$654,949Interest-bearing deposits
$94Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$207,207Trading liabilities
$0Other borrowed funds
$6,521Subordinated debt
$125,634All other liabilities
$125,634Total equity capital
$125,634Total bank equity capital
$0Perpetual preferred stock
$3,521Common stock
$74,479Surplus
$47,634Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$35,162Income earned, not collected on loans
$0Earning assets
$3,111Long-term assets (5+ years)
$950,331Average Assets, year-to-date
$0Average Assets, quarterly
$1,069,146Volatile liabilities
$1,009,063Insider loans
$578,652FHLB advances
$990,466Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$121,605Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$36,965Restructured Loans and leases
$663Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$44,447Total interest income
$26,217Total interest expense
$18,230Net interest income
$5,900Provision for loan and lease losses
$5,454Total noninterest income
$0Fiduciary activities
$182Service charges on deposit accounts
$0Trading account gains & fees
$5,272Additional noninterest income
$15,783Total noninterest expense
$7,172Salaries and employee benefits
$2,188Premises and equipment expense
$6,423Additional noninterest expense
$2,001Pre-tax net operating income
$6Securities gains (losses)
$711Applicable income taxes
$1,296Income before extraordinary items
$0Extraordinary gains - net
$1,296Net income attributable to bank
$0Net charge-offs
$1,296Cash dividends
$10,387Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.36%Yield on earning assets
2.57%Cost of funding earning assets
1.79%Net interest margin
0.53%Noninterest income to earning assets
1.55%Noninterest expense to earning assets
0.12%Net operating income to assets
0.12%Return on assets (ROA)
0.19%Pretax return on assets
1.03%Return on equity (ROE)
1.03%Retained earnings to average equity (YTD only)
1.15%Net charge-offs to loans
56.80%Credit loss provision to net charge-offs
0.76%Efficiency ratio
66,640Assets per employee
11.98%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.47%Loss allowance to noncurrent loans
36.15%Noncurrent assets plus other real estate owned to assets
4.41%Noncurrent loans to loans
4.08%Net loans and leases to deposits
129.74%Net loans and leases to core deposits
193.87%Equity capital to assets
12.64%Core capital (leverage) ratio
12.31%Tier 1 risk-based capital ratio
21.02%Total risk-based capital ratio
Memoranda
$22Average assets
$1,069,146Average earning assets
$125,229Average equity
$1,019,876Average loans
List of branches
1 Virginia Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
45100
Acacia Federal Savings Bank
7600 Leesburg Pike, Suite 200, Falls Church, VA 22043
January 15, 1985
Full Service Brick and Mortar
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