Elberton Federal Savings and Loan Association - Overview
General
FDIC Certificate #: 29065 Status: Active Federal Reserve ID: 615776 Date Established: January 01, 1922 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 #: 2849 FDIC's unique #: 41899 Numeric code: 38 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: All Other Specialization < 1 Billion Date of Deposit Insurance: November 19, 1951 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: 6 Church Street, Elberton, GA 30635 County: Elbert Quarterly Banking Profile Region: Atlanta FDIC Geographic Region: Atlanta FDIC Supervisory Region: Atlanta FDIC Field Office: Atlanta Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: Southeast
History of Changes
Change in Primary Regulatory Agency
Financial Summary
Total assets: $20.1 mil Equity capital: $5.0 mil Deposits held in domestic offices: $15.0 mil Return on assets (ROA): 0.09% ($0.0 mil) Quarterly return on assets: -0.20% (-$0.0 mil) Return on Equity (ROE): 0.38% ($0.0 mil) Quarterly return on equity: -0.80% (-$0.0 mil) Net income: $0.0 mil Quarterly Net income: -$0.0 mil Pretax return on assets: 0.08% ($16.1 mil) Quarterly Pretax return on assets: -0.16% (-$32.1 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
6Total employees (full-time equivalent)
$20,067Total assets
$6,289Cash and due from depository institutions
$5,857Interest-bearing balances
$951Securities
$0Federal funds sold & reverse repurchase agreements
$12,176Net loans & leases
$15Loan loss allowance
$0Trading account assets
$339Bank premises and fixed assets
$66Other real estate owned
$0Goodwill and other intangibles
$20,067Life insurance assets
$246All other assets
$15,043Total liabilities and capital
$14,992Total liabilities
$14,992Total deposits
$14,992Interest-bearing deposits
$100Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$51Subordinated debt
$5,024All other liabilities
$5,024Total equity capital
$5,024Total bank equity capital
$0Perpetual preferred stock
$0Common stock
$0Surplus
$5,024Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$41Long-term assets (5+ years)
$18,984Average Assets, year-to-date
$0Average Assets, quarterly
$20,255Volatile liabilities
$20,007Insider loans
$8,641FHLB advances
$19,955Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$4,912Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$70Restructured Loans and leases
$314Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$791Total interest income
$138Total interest expense
$653Net interest income
$0Provision for loan and lease losses
$23Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$23Additional noninterest income
$660Total noninterest expense
$400Salaries and employee benefits
$106Premises and equipment expense
$154Additional noninterest expense
$16Pre-tax net operating income
$0Securities gains (losses)
-$3Applicable income taxes
$19Income before extraordinary items
$0Extraordinary gains - net
$19Net income attributable to bank
$0Net charge-offs
$19Cash 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)
4.08%Yield on earning assets
0.71%Cost of funding earning assets
3.37%Net interest margin
0.12%Noninterest income to earning assets
3.41%Noninterest expense to earning assets
0.09%Net operating income to assets
0.09%Return on assets (ROA)
0.08%Pretax return on assets
0.38%Return on equity (ROE)
0.38%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
97,633Assets per employee
3.34%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.12%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.33%Noncurrent loans to loans
0.00%Net loans and leases to deposits
81.22%Net loans and leases to core deposits
81.22%Equity capital to assets
25.04%Core capital (leverage) ratio
24.62%Tier 1 risk-based capital ratio
56.85%Total risk-based capital ratio
Memoranda
$57Average assets
$20,255Average earning assets
$5,017Average equity
$19,377Average loans
List of branches
1 Georgia Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
41899
Elberton Federal Savings And Loan As
6 Church Street, Elberton, GA 30635
January 01, 1922
Full Service Brick and Mortar
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