Auburn Federal Savings Bank in Auburn, Alabama (AL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of March 20, 1993

  • Auburn Federal Savings Bank in Auburn, Alabama (AL)
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Auburn Federal Savings Bank - Overview

  • General
  • FDIC Certificate #: 31427
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Colonial Bank (#9609)
    Federal Reserve ID: 414876
    Date Established: Febuary 06, 1964
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 6946
    FDIC's unique #: 44261
    Numeric code: 33
    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: Febuary 06, 1964
    Last Structure Change Effective Date: March 20, 1993
    Last Structure Change Process Date: April 05, 1993
    Last Data Update: April 05, 1993
    Data Source Date: April 05, 2012
  • Location
  • Address: 101 N College St, Auburn, AL 36830
    County: Lee
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Montgomery
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Auburn-Opelika, AL (#580)
    Combined Statistical Area (CSA): Columbus-Auburn-Opelika, GA-AL (#194)
    Core Based Statistical Area (CBSA): Auburn-Opelika, AL (#12220)
    CBSA Metro Statistical Area: Auburn-Opelika, AL (#12220)
  • Financial Summary
  • Total assets: $28.3 mil

Assets and Liabilities (December 31, 1992)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $6Total assets
  • $28,252Cash and due from depository institutions
  • $2,917Interest-bearing balances
  • $2,539Securities
  • $12,220Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $11,750Loan loss allowance
  • $246Trading account assets
  • $0Bank premises and fixed assets
  • $359Other real estate owned
  • $251Goodwill and other intangibles
  • $755Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $28,252Total liabilities
  • $24,301Total deposits
  • $24,047Interest-bearing deposits
  • $23,497Deposits held in domestic offices
  • 24047.00%% insured (estimated)
  • $91Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $254Total equity capital
  • $254Total bank equity capital
  • $3,951Perpetual preferred stock
  • $0Common stock
  • $2Surplus
  • $1,676Undivided profits
  • Memoranda
  • $2,273Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $643Income earned, not collected on loans
  • $75Earning assets
  • $26,509Long-term assets (5+ years)
  • $0Average Assets, year-to-date
  • $30,694Average Assets, quarterly
  • $29,135Volatile liabilities
  • $3,459Insider loans
  • $0FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $351Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $3,951Total risk weighted assets
  • $11,033Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1992)

  • Dollar figures in thousands
  • $0Total interest income
  • $2,339Total interest expense
  • $1,427Net interest income
  • $912Provision for loan and lease losses
  • $109Total noninterest income
  • $118Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $0Additional noninterest income
  • $118Total noninterest expense
  • $789Salaries and employee benefits
  • $381Premises and equipment expense
  • $262Additional noninterest expense
  • $146Pre-tax net operating income
  • $132Securities gains (losses)
  • $3Applicable income taxes
  • $25Income before extraordinary items
  • $110Extraordinary gains - net
  • $0Net income attributable to bank
  • $110Net charge-offs
  • $6Cash dividends
  • $91Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1992)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.10%Cost of funding earning assets
  • 4.94%Net interest margin
  • 3.16%Noninterest income to earning assets
  • 0.41%Noninterest expense to earning assets
  • 2.73%Net operating income to assets
  • 0.35%Return on assets (ROA)
  • 0.36%Pretax return on assets
  • 0.44%Return on equity (ROE)
  • 2.78%Retained earnings to average equity (YTD only)
  • 0.48%Net charge-offs to loans
  • 0.04%Credit loss provision to net charge-offs
  • 1816.67%Efficiency ratio
  • 76,602Assets per employee
  • 4.71%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 82.73%Loss allowance to loans
  • 2.05%Loss allowance to noncurrent loans
  • 38.26%Noncurrent assets plus other real estate owned to assets
  • 3.16%Noncurrent loans to loans
  • 5.36%Net loans and leases to deposits
  • 48.86%Net loans and leases to core deposits
  • 57.07%Equity capital to assets
  • 13.98%Core capital (leverage) ratio
  • 13.98%Tier 1 risk-based capital ratio
  • 35.81%Total risk-based capital ratio
  • Memoranda
  • $37Average assets
  • $30,694Average earning assets
  • $3,958Average equity
  • $28,873Average loans

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