Elizabethton Federal Savings Bank in Elizabethton, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Elizabethton Federal Savings Bank in Elizabethton, Tennessee (TN)
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Elizabethton Federal Savings Bank - Overview

  • General
  • FDIC Certificate #: 29904
    Status: Active
    Federal Reserve ID: 17978
    Date Established: June 15, 1937
    WWW: http://www.elizfed.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 5 (Domestic: 5, Interstate: No)
    OTS Docket #: 4307
    FDIC's unique #: 42738
    Numeric code: 34
    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: All Other Specialization < 1 Billion
    Date of Deposit Insurance: June 15, 1937
    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: 112-114 North Sycamore Street, Elizabethton, TN 37643
    County: Carter
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Knoxville
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Johnson City-Kingsport-Bristol, TN-VA (#3660)
    Combined Statistical Area (CSA): Johnson City-Kingsport-Bristol (Tri-Cities), TN-VA (#304)
    Core Based Statistical Area (CBSA): Johnson City, TN (#27740)
    CBSA Metro Statistical Area: Johnson City, TN (#27740)
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $328.3 mil
    Equity capital: $97.6 mil
    Deposits held in domestic offices: $223.1 mil
    Return on assets (ROA): 0.95% ($3.1 mil)
    Quarterly return on assets: 0.94% ($3.1 mil)
    Return on Equity (ROE): 3.29% ($3.2 mil)
    Quarterly return on equity: 3.19% ($3.1 mil)
    Net income: $3.2 mil
    Quarterly Net income: $0.8 mil
    Pretax return on assets: 1.63% ($5,351.9 mil)
    Quarterly Pretax return on assets: 1.59% ($5,220.5 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
  • 39Total employees (full-time equivalent)
  • $328,335Total assets
  • $17,153Cash and due from depository institutions
  • $12,303Interest-bearing balances
  • $122,484Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $169,422Net loans & leases
  • $3,007Loan loss allowance
  • $0Trading account assets
  • $6,985Bank premises and fixed assets
  • $4,690Other real estate owned
  • $0Goodwill and other intangibles
  • $328,335Life insurance assets
  • $7,601All other assets
  • $230,784Total liabilities and capital
  • $223,128Total liabilities
  • $222,124Total deposits
  • $223,128Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $7,316Trading liabilities
  • $0Other borrowed funds
  • $340Subordinated debt
  • $97,551All other liabilities
  • $97,551Total equity capital
  • $97,551Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $97,551Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,111Income earned, not collected on loans
  • $0Earning assets
  • $1,194Long-term assets (5+ years)
  • $304,209Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $331,097Volatile liabilities
  • $330,413Insider loans
  • $142,395FHLB advances
  • $328,335Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $97,551Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $4,297Restructured Loans and leases
  • $3,912Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $13,571Total interest income
  • $3,243Total interest expense
  • $10,328Net interest income
  • $293Provision for loan and lease losses
  • $418Total noninterest income
  • $0Fiduciary activities
  • $348Service charges on deposit accounts
  • $0Trading account gains & fees
  • $70Additional noninterest income
  • $5,052Total noninterest expense
  • $3,309Salaries and employee benefits
  • $977Premises and equipment expense
  • $766Additional noninterest expense
  • $5,401Pre-tax net operating income
  • $0Securities gains (losses)
  • $2,240Applicable income taxes
  • $3,161Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,161Net income attributable to bank
  • $0Net charge-offs
  • $3,161Cash dividends
  • -$55Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.42%Yield on earning assets
  • 1.06%Cost of funding earning assets
  • 3.37%Net interest margin
  • 0.14%Noninterest income to earning assets
  • 1.65%Noninterest expense to earning assets
  • 0.95%Net operating income to assets
  • 0.95%Return on assets (ROA)
  • 1.63%Pretax return on assets
  • 3.29%Return on equity (ROE)
  • 3.29%Retained earnings to average equity (YTD only)
  • -0.03%Net charge-offs to loans
  • -532.73%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 47,013Assets per employee
  • 8.42%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.74%Loss allowance to noncurrent loans
  • 96.66%Noncurrent assets plus other real estate owned to assets
  • 2.38%Noncurrent loans to loans
  • 1.80%Net loans and leases to deposits
  • 75.93%Net loans and leases to core deposits
  • 80.66%Equity capital to assets
  • 29.71%Core capital (leverage) ratio
  • 29.71%Tier 1 risk-based capital ratio
  • 68.51%Total risk-based capital ratio
  • Memoranda
  • $70Average assets
  • $331,097Average earning assets
  • $95,979Average equity
  • $306,705Average loans

List of branches

  • 5 Tennessee Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    042738Elizabethton Federal Savings Bank112-114 North Sycamore Street, Elizabethton, TN 37643June 15, 1937Full Service Brick and Mortar
    1277726404 South Shady Street Branch404 South Shadt Street, Mountain City, TN 37683June 15, 1937Full Service Brick and Mortar
    2277727400 Bemberg Road Branch400 Bemberg Road, Elizabethton, TN 37643June 15, 1937Full Service Brick and Mortar
    100277728304 Sunset Drive Branch304 Sunset Drive, Johnson City, TN 37601June 30, 1987Full Service Brick and Mortar
    101464005West State Of Franklin Rd. Banch1190 West State Of Franklin Rd., Johnson City, TN 37604August 23, 2002Full Service Brick and Mortar

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