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

This bank is inactive as of January 20, 1994

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

General
FDIC Certificate #: 28844
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: First Federal Savings Bank of Kokomo (#28990)
Federal Reserve ID: 644075
Date Established: January 01, 1911
Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
OTS Docket #: 2478
FDIC's unique #: 41678
Numeric code: 37
Regulator: OTS
Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
FDIC Insured: Yes
SAIF Insured: Yes
Insured Savings Institution: Yes
State Chartered: No
Date of Deposit Insurance: July 06, 1936
Last Structure Change Effective Date: January 20, 1994
Last Structure Change Process Date: January 26, 1994
Last Data Update: January 26, 1994
Data Source Date: April 05, 2012
Location
Address: 2 North Broadway, Peru, IN 46970
County: Miami
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
Combined Statistical Area (CSA): Kokomo-Peru, IN (#316)
Core Based Statistical Area (CBSA): Peru, IN (#37940)
CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $48.5 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

Dollar figures in thousands
0Total employees (full-time equivalent)
$13Total assets
$48,510Cash and due from depository institutions
$9,755Interest-bearing balances
$9,383Securities
$5,857Federal funds sold & reverse repurchase agreements
$0Net loans & leases
$31,232Loan loss allowance
$188Trading account assets
$0Bank premises and fixed assets
$631Other real estate owned
$50Goodwill and other intangibles
$985Life insurance assets
$0All other assets
$0Total liabilities and capital
$48,510Total liabilities
$43,773Total deposits
$43,070Interest-bearing deposits
$43,063Deposits held in domestic offices
43070.00%% insured (estimated)
$99Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$703Total equity capital
$703Total bank equity capital
$4,737Perpetual preferred stock
$0Common stock
$0Surplus
$0Undivided profits
Memoranda
$4,737Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$85Income earned, not collected on loans
$1Earning assets
$46,472Long-term assets (5+ years)
$0Average Assets, year-to-date
$48,818Average Assets, quarterly
$48,547Volatile liabilities
$1,792Insider loans
$189FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$124Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$4,737Total risk weighted assets
$22,342Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1993)

Dollar figures in thousands
$0Total interest income
$3,396Total interest expense
$2,179Net interest income
$1,217Provision for loan and lease losses
$188Total noninterest income
$108Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$0Additional noninterest income
$108Total noninterest expense
$1,406Salaries and employee benefits
$939Premises and equipment expense
$186Additional noninterest expense
$281Pre-tax net operating income
-$269Securities gains (losses)
$0Applicable income taxes
-$2Income before extraordinary items
-$267Extraordinary gains - net
$244Net income attributable to bank
-$23Net charge-offs
$19Cash dividends
$0Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1993)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
7.22%Cost of funding earning assets
4.63%Net interest margin
2.59%Noninterest income to earning assets
0.23%Noninterest expense to earning assets
2.99%Net operating income to assets
-0.55%Return on assets (ROA)
-0.05%Pretax return on assets
-0.05%Return on equity (ROE)
-0.48%Retained earnings to average equity (YTD only)
-0.48%Net charge-offs to loans
0.06%Credit loss provision to net charge-offs
989.47%Efficiency ratio
106,113Assets per employee
3.73%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.60%Loss allowance to noncurrent loans
221.18%Noncurrent assets plus other real estate owned to assets
0.28%Noncurrent loans to loans
0.27%Net loans and leases to deposits
72.51%Net loans and leases to core deposits
75.66%Equity capital to assets
9.76%Core capital (leverage) ratio
9.76%Tier 1 risk-based capital ratio
21.20%Total risk-based capital ratio
Memoranda
$22Average assets
$48,818Average earning assets
$4,776Average equity
$47,022Average loans

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