First Federal Savings and Loan Association of Greensburg in city_name, state_name

First Federal Savings and Loan Association of Greensburg in Greensburg, Indiana (IN)
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First Federal Savings and Loan Association of Greensburg - Overview

General
FDIC Certificate #: 30058
Status: Active
Federal Reserve ID: 921879
Date Established: January 01, 1883
WWW: http://www.ffsg.net
Trust Powers Granted: No
Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
Offices: 3 (Domestic: 3, Interstate: No)
OTS Docket #: 4656
FDIC's unique #: 42892
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: Consumer Lending Specialization
Date of Deposit Insurance: December 08, 1939
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: 212 N Franklin St, Greensburg, IN 47240
County: Decatur
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Indianapolis
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Central
Core Based Statistical Area (CBSA): Greensburg, IN (#24700)
CBSA Micro Statistical Area: Yes
History of Changes
Change in Primary Regulatory Agency
Financial Summary
Total assets: $143.6 mil
Equity capital: $12.3 mil
Deposits held in domestic offices: $130.5 mil
Return on assets (ROA): 0.53% ($0.8 mil)
Quarterly return on assets: 0.45% ($0.6 mil)
Return on Equity (ROE): 5.76% ($0.7 mil)
Quarterly return on equity: 5.26% ($0.6 mil)
Net income: $0.7 mil
Quarterly Net income: $0.2 mil
Pretax return on assets: 0.87% ($1,249.3 mil)
Quarterly Pretax return on assets: 0.75% ($1,077.0 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
17Total employees (full-time equivalent)
$143,603Total assets
$42,292Cash and due from depository institutions
$39,337Interest-bearing balances
$1,312Securities
$0Federal funds sold & reverse repurchase agreements
$95,357Net loans & leases
$541Loan loss allowance
$0Trading account assets
$2,707Bank premises and fixed assets
$301Other real estate owned
$146Goodwill and other intangibles
$143,603Life insurance assets
$1,488All other assets
$131,283Total liabilities and capital
$130,459Total liabilities
$123,098Total deposits
$130,459Interest-bearing deposits
$79Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$255Trading liabilities
$0Other borrowed funds
$569Subordinated debt
$12,320All other liabilities
$12,320Total equity capital
$12,320Total bank equity capital
$0Perpetual preferred stock
$0Common stock
$0Surplus
$12,320Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,222Income earned, not collected on loans
$0Earning assets
$561Long-term assets (5+ years)
$136,006Average Assets, year-to-date
$0Average Assets, quarterly
$129,957Volatile liabilities
$141,716Insider loans
$79,640FHLB advances
$143,455Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$12,173Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$8,252Restructured Loans and leases
$1,136Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$5,148Total interest income
$987Total interest expense
$4,161Net interest income
$238Provision for loan and lease losses
$749Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$749Additional noninterest income
$3,596Total noninterest expense
$1,973Salaries and employee benefits
$657Premises and equipment expense
$966Additional noninterest expense
$1,076Pre-tax net operating income
$57Securities gains (losses)
$442Applicable income taxes
$691Income before extraordinary items
$0Extraordinary gains - net
$691Net income attributable to bank
$0Net charge-offs
$691Cash dividends
$84Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.21%Yield on earning assets
0.81%Cost of funding earning assets
3.40%Net interest margin
0.61%Noninterest income to earning assets
2.94%Noninterest expense to earning assets
0.50%Net operating income to assets
0.53%Return on assets (ROA)
0.87%Pretax return on assets
5.76%Return on equity (ROE)
5.76%Retained earnings to average equity (YTD only)
0.09%Net charge-offs to loans
283.33%Credit loss provision to net charge-offs
15.64%Efficiency ratio
73,238Assets per employee
8.45%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.56%Loss allowance to noncurrent loans
44.27%Noncurrent assets plus other real estate owned to assets
1.06%Noncurrent loans to loans
1.27%Net loans and leases to deposits
73.09%Net loans and leases to core deposits
73.66%Equity capital to assets
8.58%Core capital (leverage) ratio
8.49%Tier 1 risk-based capital ratio
15.29%Total risk-based capital ratio
Memoranda
$16Average assets
$129,957Average earning assets
$11,993Average equity
$122,341Average loans

List of branches

3 Indiana Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	42892	First Federal Savings And Loan Assoc	212 N Franklin St, Greensburg, IN 47240	January 01, 1883	Full Service Brick and Mortar
2	521573	Greensburg Branch	460 Greensburg Commons, Greensburg, IN 47240	December 13, 2004	Full Service Brick and Mortar
3	521574	Shelbyville Branch	25 Public Square, Shelbyville, IN 46176	May 01, 2010	Full Service Brick and Mortar

First Federal Savings and Loan Association of Greensburg in Greensburg, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches

First Federal Savings and Loan Association of Greensburg - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

First Federal Savings and Loan Association of Greensburg in Greensburg, Indiana (IN)Overview, Financial Summary, Detailed Financial Reports, Branches

First Federal Savings and Loan Association of Greensburg - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

First Federal Savings and Loan Association of Greensburg in Greensburg, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches