First Federal Savings Bank in Sistersville, West Virginia (WV)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • First Federal Savings Bank in Sistersville, West Virginia (WV)
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First Federal Savings Bank - Overview

  • General
  • FDIC Certificate #: 28746
    Status: Active
    Federal Reserve ID: 630779
    Date Established: January 01, 1933
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 2275
    FDIC's unique #: 41580
    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: December 05, 1934
    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: 726 Wells Street, Sistersville, WV 26175
    County: Tyler
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Scott Depot
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $47.1 mil
    Equity capital: $8.1 mil
    Deposits held in domestic offices: $37.0 mil
    Return on assets (ROA): 0.63% ($0.3 mil)
    Quarterly return on assets: 0.74% ($0.3 mil)
    Return on Equity (ROE): 3.79% ($0.3 mil)
    Quarterly return on equity: 4.31% ($0.3 mil)
    Net income: $0.3 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.98% ($461.2 mil)
    Quarterly Pretax return on assets: 1.10% ($517.6 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
  • 17Total employees (full-time equivalent)
  • $47,059Total assets
  • $4,707Cash and due from depository institutions
  • $4,364Interest-bearing balances
  • $11,624Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $27,054Net loans & leases
  • $217Loan loss allowance
  • $0Trading account assets
  • $1,247Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $47,059Life insurance assets
  • $2,427All other assets
  • $38,951Total liabilities and capital
  • $36,989Total liabilities
  • $35,444Total deposits
  • $36,989Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,650Trading liabilities
  • $0Other borrowed funds
  • $312Subordinated debt
  • $8,108All other liabilities
  • $8,108Total equity capital
  • $8,108Total bank equity capital
  • $0Perpetual preferred stock
  • $10Common stock
  • $3,087Surplus
  • $5,011Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $359Income earned, not collected on loans
  • $0Earning assets
  • $197Long-term assets (5+ years)
  • $43,042Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $47,843Volatile liabilities
  • $47,152Insider loans
  • $20,158FHLB advances
  • $46,570Loans and leases held for sale
  • $1,760Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $7,785Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,875Restructured Loans and leases
  • $172Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,138Total interest income
  • $502Total interest expense
  • $1,636Net interest income
  • -$16Provision for loan and lease losses
  • $249Total noninterest income
  • $0Fiduciary activities
  • $39Service charges on deposit accounts
  • $0Trading account gains & fees
  • $210Additional noninterest income
  • $1,432Total noninterest expense
  • $818Salaries and employee benefits
  • $309Premises and equipment expense
  • $305Additional noninterest expense
  • $469Pre-tax net operating income
  • $0Securities gains (losses)
  • $169Applicable income taxes
  • $300Income before extraordinary items
  • $0Extraordinary gains - net
  • $300Net income attributable to bank
  • $0Net charge-offs
  • $300Cash 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)
  • 4.90%Yield on earning assets
  • 1.15%Cost of funding earning assets
  • 3.75%Net interest margin
  • 0.57%Noninterest income to earning assets
  • 3.28%Noninterest expense to earning assets
  • 0.63%Net operating income to assets
  • 0.63%Return on assets (ROA)
  • 0.98%Pretax return on assets
  • 3.79%Return on equity (ROE)
  • 3.79%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
  • 75,968Assets per employee
  • 2.77%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.80%Loss allowance to noncurrent loans
  • 60.45%Noncurrent assets plus other real estate owned to assets
  • 0.76%Noncurrent loans to loans
  • 1.32%Net loans and leases to deposits
  • 73.14%Net loans and leases to core deposits
  • 73.14%Equity capital to assets
  • 17.23%Core capital (leverage) ratio
  • 16.72%Tier 1 risk-based capital ratio
  • 38.62%Total risk-based capital ratio
  • Memoranda
  • $40Average assets
  • $47,843Average earning assets
  • $7,907Average equity
  • $43,596Average loans

List of branches

  • 2 West Virginia Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    041580First Federal Savings Bank726 Wells Street, Sistersville, WV 26175January 01, 1933Full Service Brick and Mortar
    1433478Parkersburg Branch2904 Pike Street, Parkersburg, WV 26103May 15, 2000Full Service Brick and Mortar

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