Acacia Federal Savings Bank in Falls Church, Virginia (VA)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Acacia Federal Savings Bank in Falls Church, Virginia (VA)
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Acacia Federal Savings Bank - Overview

  • General
  • FDIC Certificate #: 32266
    Status: Active
    Federal Reserve ID: 202578
    Date Established: January 15, 1985
    WWW: http://www.acaciafederal.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 #: 8070
    FDIC's unique #: 45100
    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: Mortgage Lending Specialization
    Date of Deposit Insurance: January 15, 1985
    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: 7600 Leesburg Pike, Suite 200, Falls Church, VA 22043
    County: Fairfax
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Richmond
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Washington, DC-MD-VA-WV (#8840)
    Consolidated Metropolitan Statistical Area (CMSA): Washington-Baltimore, DC-MD-VA-WV (#97)
    Combined Statistical Area (CSA): Washington-Baltimore-Northern Virginia, DC-MD-VA-WV (#548)
    Core Based Statistical Area (CBSA): Washington-Arlington-Alexandria, DC-VA-MD-WV (#47900)
    CBSA Metro Statistical Area: Washington-Arlington-Alexandria, DC-VA-MD-WV (#47900)
    Core Based Statistical Division: Washington-Arlington-Alexandria, DC-VA-MD-WV (#47894)
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $994.3 mil
    Equity capital: $125.6 mil
    Deposits held in domestic offices: $654.9 mil
    Return on assets (ROA): 0.12% ($1.2 mil)
    Quarterly return on assets: 0.08% ($0.8 mil)
    Return on Equity (ROE): 1.03% ($1.3 mil)
    Quarterly return on equity: 0.63% ($0.8 mil)
    Net income: $1.3 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.19% ($1,889.2 mil)
    Quarterly Pretax return on assets: 0.09% ($894.9 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
  • 83Total employees (full-time equivalent)
  • $994,311Total assets
  • $18,678Cash and due from depository institutions
  • $18,588Interest-bearing balances
  • $78,884Securities
  • $3,103Federal funds sold & reverse repurchase agreements
  • $849,756Net loans & leases
  • $12,712Loan loss allowance
  • $0Trading account assets
  • $496Bank premises and fixed assets
  • $8,671Other real estate owned
  • $2,004Goodwill and other intangibles
  • $994,311Life insurance assets
  • $32,719All other assets
  • $868,677Total liabilities and capital
  • $654,949Total liabilities
  • $629,850Total deposits
  • $654,949Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $207,207Trading liabilities
  • $0Other borrowed funds
  • $6,521Subordinated debt
  • $125,634All other liabilities
  • $125,634Total equity capital
  • $125,634Total bank equity capital
  • $0Perpetual preferred stock
  • $3,521Common stock
  • $74,479Surplus
  • $47,634Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $35,162Income earned, not collected on loans
  • $0Earning assets
  • $3,111Long-term assets (5+ years)
  • $950,331Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $1,069,146Volatile liabilities
  • $1,009,063Insider loans
  • $578,652FHLB advances
  • $990,466Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $121,605Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $36,965Restructured Loans and leases
  • $663Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $44,447Total interest income
  • $26,217Total interest expense
  • $18,230Net interest income
  • $5,900Provision for loan and lease losses
  • $5,454Total noninterest income
  • $0Fiduciary activities
  • $182Service charges on deposit accounts
  • $0Trading account gains & fees
  • $5,272Additional noninterest income
  • $15,783Total noninterest expense
  • $7,172Salaries and employee benefits
  • $2,188Premises and equipment expense
  • $6,423Additional noninterest expense
  • $2,001Pre-tax net operating income
  • $6Securities gains (losses)
  • $711Applicable income taxes
  • $1,296Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,296Net income attributable to bank
  • $0Net charge-offs
  • $1,296Cash dividends
  • $10,387Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.36%Yield on earning assets
  • 2.57%Cost of funding earning assets
  • 1.79%Net interest margin
  • 0.53%Noninterest income to earning assets
  • 1.55%Noninterest expense to earning assets
  • 0.12%Net operating income to assets
  • 0.12%Return on assets (ROA)
  • 0.19%Pretax return on assets
  • 1.03%Return on equity (ROE)
  • 1.03%Retained earnings to average equity (YTD only)
  • 1.15%Net charge-offs to loans
  • 56.80%Credit loss provision to net charge-offs
  • 0.76%Efficiency ratio
  • 66,640Assets per employee
  • 11.98%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.47%Loss allowance to noncurrent loans
  • 36.15%Noncurrent assets plus other real estate owned to assets
  • 4.41%Noncurrent loans to loans
  • 4.08%Net loans and leases to deposits
  • 129.74%Net loans and leases to core deposits
  • 193.87%Equity capital to assets
  • 12.64%Core capital (leverage) ratio
  • 12.31%Tier 1 risk-based capital ratio
  • 21.02%Total risk-based capital ratio
  • Memoranda
  • $22Average assets
  • $1,069,146Average earning assets
  • $125,229Average equity
  • $1,019,876Average loans

List of branches

  • 1 Virginia Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    045100Acacia Federal Savings Bank7600 Leesburg Pike, Suite 200, Falls Church, VA 22043January 15, 1985Full Service Brick and Mortar

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