Eagle Federal Bank for Savings in Waynesboro, Mississippi (MS)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of June 24, 1993

Eagle Federal Bank for Savings in Waynesboro, Mississippi (MS)
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Eagle Federal Bank for Savings - Overview

General
FDIC Certificate #: 31815
Status: Inactive
Federal Reserve ID: 56379
Date Established: January 01, 1960
Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
OTS Docket #: 7498
FDIC's unique #: 44649
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: June 23, 1976
Last Structure Change Effective Date: June 24, 1993
Last Structure Change Process Date: August 13, 1993
Last Data Update: August 13, 1993
Data Source Date: April 05, 2012
Location
Address: 801 Spring Street, Waynesboro, MS 39367
County: Wayne
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Jackson Ms
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: West
History of Changes
Other Liquidations and Closings
Financial Summary
Total assets: $28.8 mil

Assets and Liabilities (December 31, 1992)

Dollar figures in thousands
0Total employees (full-time equivalent)
$20Total assets
$30,934Cash and due from depository institutions
$14,132Interest-bearing balances
$13,958Securities
$0Federal funds sold & reverse repurchase agreements
$0Net loans & leases
$15,088Loan loss allowance
$151Trading account assets
$0Bank premises and fixed assets
$731Other real estate owned
$392Goodwill and other intangibles
$591Life insurance assets
$0All other assets
$0Total liabilities and capital
$30,934Total liabilities
$29,691Total deposits
$29,654Interest-bearing deposits
$29,475Deposits held in domestic offices
29654.00%% insured (estimated)
$100Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$37Total equity capital
$37Total bank equity capital
$1,243Perpetual preferred stock
$0Common stock
$384Surplus
$177Undivided profits
Memoranda
$682Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$511Income earned, not collected on loans
$127Earning assets
$29,046Long-term assets (5+ years)
$0Average Assets, year-to-date
$33,014Average Assets, quarterly
$32,555Volatile liabilities
$1,230Insider loans
$0FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$1,243Total risk weighted assets
$12,658Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1992)

Dollar figures in thousands
$0Total interest income
$4,226Total interest expense
$1,684Net interest income
$2,542Provision for loan and lease losses
$163Total noninterest income
$617Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$0Additional noninterest income
$617Total noninterest expense
$3,552Salaries and employee benefits
$1,425Premises and equipment expense
$197Additional noninterest expense
$1,930Pre-tax net operating income
-$556Securities gains (losses)
$0Applicable income taxes
$0Income before extraordinary items
-$556Extraordinary gains - net
$0Net income attributable to bank
-$556Net charge-offs
$398Cash dividends
$25Sale, 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
13.80%Cost of funding earning assets
5.50%Net interest margin
8.30%Noninterest income to earning assets
2.01%Noninterest expense to earning assets
11.60%Net operating income to assets
-1.68%Return on assets (ROA)
-1.68%Pretax return on assets
-1.68%Return on equity (ROE)
-29.43%Retained earnings to average equity (YTD only)
-30.75%Net charge-offs to loans
1.54%Credit loss provision to net charge-offs
40.95%Efficiency ratio
112,441Assets per employee
1.55%Cash dividends to net income (YTD only)
Condition Ratios (%)
-4.50%Loss allowance to loans
0.99%Loss allowance to noncurrent loans
29.55%Noncurrent assets plus other real estate owned to assets
2.92%Noncurrent loans to loans
3.35%Net loans and leases to deposits
50.88%Net loans and leases to core deposits
53.08%Equity capital to assets
4.02%Core capital (leverage) ratio
4.02%Tier 1 risk-based capital ratio
9.82%Total risk-based capital ratio
Memoranda
$11Average assets
$33,014Average earning assets
$1,889Average equity
$30,627Average loans

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