Scottsburg Building and Loan Association - Overview
General
FDIC Certificate #: 29910 Status: Active Federal Reserve ID: 735973 Date Established: January 01, 1889 WWW:http://www.sblaonline.com 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 #: 4315 FDIC's unique #: 42744 Numeric code: 37 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: June 29, 1942 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: 306 West Mcclain Street, Scottsburg, IN 47170 County: Scott 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): Scottsburg, IN (#42500) CBSA Micro Statistical Area: Yes
History of Changes
Change in Primary Regulatory Agency
Financial Summary
Total assets: $88.5 mil Equity capital: $11.0 mil Deposits held in domestic offices: $66.5 mil Return on assets (ROA): 0.40% ($0.4 mil) Quarterly return on assets: 0.24% ($0.2 mil) Return on Equity (ROE): 3.24% ($0.4 mil) Quarterly return on equity: 1.88% ($0.2 mil) Net income: $0.4 mil Quarterly Net income: $0.1 mil Pretax return on assets: 0.51% ($451.4 mil) Quarterly Pretax return on assets: 0.34% ($300.9 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
9Total employees (full-time equivalent)
$88,506Total assets
$1,750Cash and due from depository institutions
$1,668Interest-bearing balances
$36,683Securities
$0Federal funds sold & reverse repurchase agreements
$43,358Net loans & leases
$250Loan loss allowance
$0Trading account assets
$378Bank premises and fixed assets
$88Other real estate owned
$0Goodwill and other intangibles
$88,506Life insurance assets
$6,249All other assets
$77,504Total liabilities and capital
$66,544Total liabilities
$66,468Total deposits
$66,544Interest-bearing deposits
$93Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$10,000Trading liabilities
$0Other borrowed funds
$960Subordinated debt
$11,002All other liabilities
$11,002Total equity capital
$11,002Total bank equity capital
$0Perpetual preferred stock
$1Common stock
$0Surplus
$11,001Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$285Income earned, not collected on loans
$0Earning assets
$274Long-term assets (5+ years)
$81,709Average Assets, year-to-date
$0Average Assets, quarterly
$88,416Volatile liabilities
$86,985Insider loans
$43,926FHLB advances
$88,730Loans and leases held for sale
$4,167Unused loan commitments
$0Tier 1 (core) risk-based capital
$11,226Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,144Restructured Loans and leases
$492Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$3,809Total interest income
$1,802Total interest expense
$2,007Net interest income
$163Provision for loan and lease losses
$124Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$124Additional noninterest income
$1,642Total noninterest expense
$1,058Salaries and employee benefits
$299Premises and equipment expense
$285Additional noninterest expense
$326Pre-tax net operating income
$128Securities gains (losses)
$98Applicable income taxes
$356Income before extraordinary items
$0Extraordinary gains - net
$356Net income attributable to bank
$0Net charge-offs
$356Cash 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)
4.66%Yield on earning assets
2.21%Cost of funding earning assets
2.46%Net interest margin
0.15%Noninterest income to earning assets
2.01%Noninterest expense to earning assets
0.29%Net operating income to assets
0.40%Return on assets (ROA)
0.51%Pretax return on assets
3.24%Return on equity (ROE)
3.24%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
77,053Assets per employee
9.83%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.57%Loss allowance to noncurrent loans
87.72%Noncurrent assets plus other real estate owned to assets
0.42%Noncurrent loans to loans
0.65%Net loans and leases to deposits
65.16%Net loans and leases to core deposits
74.26%Equity capital to assets
12.43%Core capital (leverage) ratio
12.65%Tier 1 risk-based capital ratio
25.56%Total risk-based capital ratio
Memoranda
$26Average assets
$88,416Average earning assets
$11,000Average equity
$81,671Average loans
List of branches
1 Indiana Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
42744
Scottsburg Building And Loan Associa
306 West Mcclain Street, Scottsburg, IN 47170
January 01, 1889
Full Service Brick and Mortar
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