First Savings Bank, F.S.B. in city_name, state_name - Detailed Financial Reports, Location

First Savings Bank, F.S.B. in Clarksville, Indiana (IN)
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First Savings Bank, F.S.B. - Overview

General
FDIC Certificate #: 29961
Status: Active
Federal Reserve ID: 785473
Date Established: January 07, 1938
WWW: http://www.fsbbank.net
Trust Powers Granted: No
Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
Offices: 12 (Domestic: 12, Interstate: No)
OTS Docket #: 4433
FDIC's unique #: 42795
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: Commercial Lending Specialization
Date of Deposit Insurance: January 07, 1938
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: 501 E Lewisandclark Pkwy, Clarksville, IN 47129
County: Clark
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
Metropolitan Statistical Area (MSA): Louisville, KY-IN (#4520)
Combined Statistical Area (CSA): Louisville-Jefferson County-Elizabethtown-Scottsburg, KY-IN (#350)
Core Based Statistical Area (CBSA): Louisville-Jefferson County, KY-IN (#31140)
CBSA Metro Statistical Area: Louisville-Jefferson County, KY-IN (#31140)
History of Changes
Change in Primary Regulatory Agency
Financial Summary
Total assets: $539.9 mil
Equity capital: $71.6 mil
Deposits held in domestic offices: $372.8 mil
Return on assets (ROA): 0.86% ($4.6 mil)
Quarterly return on assets: 0.80% ($4.3 mil)
Return on Equity (ROE): 7.61% ($5.5 mil)
Quarterly return on equity: 6.05% ($4.4 mil)
Net income: $4.5 mil
Quarterly Net income: $1.1 mil
Pretax return on assets: 1.21% ($6,533.2 mil)
Quarterly Pretax return on assets: 1.10% ($5,939.3 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
153Total employees (full-time equivalent)
$539,937Total assets
$17,224Cash and due from depository institutions
$5,781Interest-bearing balances
$128,832Securities
$0Federal funds sold & reverse repurchase agreements
$355,718Net loans & leases
$4,703Loan loss allowance
$0Trading account assets
$10,467Bank premises and fixed assets
$1,502Other real estate owned
$8,020Goodwill and other intangibles
$539,937Life insurance assets
$18,174All other assets
$468,376Total liabilities and capital
$372,761Total liabilities
$337,620Total deposits
$372,761Interest-bearing deposits
$87Deposits held in domestic offices
1323.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$91,806Trading liabilities
$0Other borrowed funds
$2,486Subordinated debt
$71,561All other liabilities
$71,561Total equity capital
$71,561Total bank equity capital
$0Perpetual preferred stock
$1Common stock
$29,005Surplus
$42,555Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$6,417Income earned, not collected on loans
$92Earning assets
$2,520Long-term assets (5+ years)
$490,331Average Assets, year-to-date
$0Average Assets, quarterly
$525,449Volatile liabilities
$538,371Insider loans
$366,497FHLB advances
$527,070Loans and leases held for sale
$8,625Unused loan commitments
$0Tier 1 (core) risk-based capital
$60,501Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$38,766Restructured Loans and leases
$4,811Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$25,734Total interest income
$5,204Total interest expense
$20,530Net interest income
$1,573Provision for loan and lease losses
$2,670Total noninterest income
$0Fiduciary activities
$1,271Service charges on deposit accounts
-$81Trading account gains & fees
$1,480Additional noninterest income
$15,326Total noninterest expense
$8,629Salaries and employee benefits
$2,987Premises and equipment expense
$3,710Additional noninterest expense
$6,301Pre-tax net operating income
$37Securities gains (losses)
$1,806Applicable income taxes
$4,532Income before extraordinary items
$0Extraordinary gains - net
$4,532Net income attributable to bank
$0Net charge-offs
$4,532Cash dividends
$430Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.39%Yield on earning assets
1.09%Cost of funding earning assets
4.30%Net interest margin
0.56%Noninterest income to earning assets
3.21%Noninterest expense to earning assets
0.86%Net operating income to assets
0.86%Return on assets (ROA)
1.21%Pretax return on assets
7.61%Return on equity (ROE)
7.61%Retained earnings to average equity (YTD only)
0.12%Net charge-offs to loans
365.81%Credit loss provision to net charge-offs
18.31%Efficiency ratio
64,793Assets per employee
3.53%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.30%Loss allowance to noncurrent loans
73.29%Noncurrent assets plus other real estate owned to assets
1.47%Noncurrent loans to loans
1.78%Net loans and leases to deposits
95.43%Net loans and leases to core deposits
103.59%Equity capital to assets
13.25%Core capital (leverage) ratio
11.48%Tier 1 risk-based capital ratio
16.51%Total risk-based capital ratio
Memoranda
$18Average assets
$525,449Average earning assets
$59,584Average equity
$477,690Average loans

Total Fiduciary and Related Assets (December 31, 2011)

Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
YesFiduciary powers granted
YesFiduciary or related activity
$1,091Managed Assets
1Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Investment management agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
1Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$1,091Other retirement accounts
$0Corporate trust and agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices

List of branches

12 Indiana Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	42795	First Savings Bank, F.S.b.	501 E Lewisandclark Pkwy, Clarksville, IN 47129	January 07, 1938	Full Service Brick and Mortar
1	277992	202 Court Avenue Branch	202 E Court Ave, Jeffersonville, IN 47130	January 07, 1938	Full Service Brick and Mortar
2	277993	2213 Allison Lane Branch	2213 Allison Lane, Jeffersonville, IN 47130	January 07, 1938	Full Service Brick and Mortar
3	277994	1100 Market St Branch	1100 Market Street, Charlestown, IN 47111	August 30, 1993	Full Service Brick and Mortar
4	277995	Hunter Station Way Branch	125 Hunter Station Way, Sellersburg, IN 47172	June 30, 1996	Full Service Brick and Mortar
5	419281	Georgetown Branch	1000 Copperfield Drive, Georgetown, IN 47122	June 02, 2003	Full Service Brick and Mortar
6	446111	Floyds Knobs Branch	3711 Paoli Pike, Floyds Knobs, IN 47119	January 05, 1999	Full Service Brick and Mortar
7	8124	Corydon Branch	900 Highway 62nw, Corydon, IN 47112	June 05, 1925	Full Service Brick and Mortar
8	227944	Leavenworth Branch	510 Indiana 62, Leavenworth, IN 47137	July 24, 1969	Full Service Brick and Mortar
9	227946	Marengo Branch	125 W Old Short St, Marengo, IN 47140	December 29, 1983	Full Service Brick and Mortar
11	54772	English/Indiana Avenue Branch	200 Indiana Avenue, English, IN 47118	July 05, 1994	Full Service Brick and Mortar
13	290209	Salem Office	1336 South Jackson Street, Salem, IN 47167	Febuary 01, 1995	Full Service Brick and Mortar

First Savings Bank, F.S.B. in Clarksville, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches

First Savings Bank, F.S.B. - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

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

First Savings Bank, F.S.B. in Clarksville, Indiana (IN)Overview, Financial Summary, Detailed Financial Reports, Branches

First Savings Bank, F.S.B. - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

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

First Savings Bank, F.S.B. in Clarksville, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches