First Federal Savings and Loan Association - Overview
General
FDIC Certificate #: 29005 Status: Active Federal Reserve ID: 693073 Date Established: June 01, 1934 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 #: 2753 FDIC's unique #: 41839 Numeric code: 38 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: November 01, 1934 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: 5 East Main Street, Centerburg, OH 43011 County: Knox Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Chicago FDIC Field Office: Columbus Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: Central Combined Statistical Area (CSA): Columbus-Marion-Chillicothe, OH (#198) Core Based Statistical Area (CBSA): Mount Vernon, OH (#34540) CBSA Micro Statistical Area: Yes
History of Changes
Change in Primary Regulatory Agency
Financial Summary
Total assets: $27.2 mil Equity capital: $4.0 mil Deposits held in domestic offices: $22.7 mil Return on assets (ROA): -0.16% (-$0.0 mil) Quarterly return on assets: -1.61% (-$0.4 mil) Return on Equity (ROE): -1.06% (-$0.0 mil) Quarterly return on equity: -11.03% (-$0.4 mil) Net income: -$0.0 mil Quarterly Net income: -$0.1 mil Pretax return on assets: -0.05% (-$13.6 mil) Quarterly Pretax return on assets: -1.39% (-$377.9 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
4Total employees (full-time equivalent)
$27,190Total assets
$3,468Cash and due from depository institutions
$3,074Interest-bearing balances
$5,395Securities
$0Federal funds sold & reverse repurchase agreements
$16,840Net loans & leases
$140Loan loss allowance
$0Trading account assets
$41Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$27,190Life insurance assets
$1,446All other assets
$23,218Total liabilities and capital
$22,690Total liabilities
$22,690Total deposits
$22,690Interest-bearing deposits
$99Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$528Subordinated debt
$3,972All other liabilities
$3,972Total equity capital
$3,972Total bank equity capital
$0Perpetual preferred stock
$0Common stock
$0Surplus
$3,972Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$76Income earned, not collected on loans
$0Earning assets
$14Long-term assets (5+ years)
$25,309Average Assets, year-to-date
$0Average Assets, quarterly
$26,947Volatile liabilities
$27,393Insider loans
$12,224FHLB advances
$27,195Loans and leases held for sale
$949Unused loan commitments
$0Tier 1 (core) risk-based capital
$3,977Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$0Restructured Loans and leases
$122Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,140Total interest income
$440Total interest expense
$700Net interest income
$0Provision for loan and lease losses
$5Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$5Additional noninterest income
$587Total noninterest expense
$342Salaries and employee benefits
$75Premises and equipment expense
$170Additional noninterest expense
$118Pre-tax net operating income
-$132Securities gains (losses)
$28Applicable income taxes
-$42Income before extraordinary items
$0Extraordinary gains - net
-$42Net income attributable to bank
$0Net charge-offs
-$42Cash 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)
4.56%Yield on earning assets
1.76%Cost of funding earning assets
2.80%Net interest margin
0.02%Noninterest income to earning assets
2.35%Noninterest expense to earning assets
0.33%Net operating income to assets
-0.16%Return on assets (ROA)
-0.05%Pretax return on assets
-1.06%Return on equity (ROE)
-1.06%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
83,262Assets per employee
6.80%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.82%Loss allowance to noncurrent loans
184.21%Noncurrent assets plus other real estate owned to assets
0.28%Noncurrent loans to loans
0.45%Net loans and leases to deposits
74.22%Net loans and leases to core deposits
74.22%Equity capital to assets
14.61%Core capital (leverage) ratio
14.62%Tier 1 risk-based capital ratio
32.53%Total risk-based capital ratio
Memoranda
$34Average assets
$26,947Average earning assets
$3,959Average equity
$25,015Average loans
List of branches
1 Ohio Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
41839
First Federal Savings And Loan Assoc
5 East Main Street, Centerburg, OH 43011
June 01, 1934
Full Service Brick and Mortar
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