First Federal Savings Bank in Evansville, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • First Federal Savings Bank in Evansville, Indiana (IN)
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First Federal Savings Bank - Overview

  • General
  • FDIC Certificate #: 29056
    Status: Active
    Federal Reserve ID: 613679
    Bank Holding Company (Regulatory Top Holder): First Bancorp Of Indiana, Inc. (RSSDID: 3832284, Location: Evansville, IN)
    Date Established: July 01, 1934
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 9 (Domestic: 9, Interstate: No)
    OTS Docket #: 2838
    FDIC's unique #: 41890
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: October 27, 1934
    Last Structure Change Effective Date: October 31, 2011
    Last Structure Change Process Date: November 29, 2011
    Last Data Update: November 29, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 5001 Davis Lant Drive, Evansville, IN 47715
    County: Vanderburgh
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Indianapolis
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Evansville-Henderson, IN-KY (#2440)
    Core Based Statistical Area (CBSA): Evansville, IN-KY (#21780)
    CBSA Metro Statistical Area: Evansville, IN-KY (#21780)
  • History of Changes
  • Corrections
    Change in Primary Regulatory Agency
    Change in Supervisory Agency
  • Financial Summary
  • Total assets: $376.9 mil
    Equity capital: $38.3 mil
    Deposits held in domestic offices: $267.9 mil
    Return on assets (ROA): 0.40% ($1.5 mil)
    Quarterly return on assets: 0.46% ($1.7 mil)
    Return on Equity (ROE): 3.79% ($1.4 mil)
    Quarterly return on equity: 4.40% ($1.7 mil)
    Net income: $1.4 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 0.46% ($1,733.9 mil)
    Quarterly Pretax return on assets: 0.56% ($2,110.8 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
  • 99Total employees (full-time equivalent)
  • $376,935Total assets
  • $35,711Cash and due from depository institutions
  • $33,582Interest-bearing balances
  • $130,329Securities
  • $10,000Federal funds sold & reverse repurchase agreements
  • $165,321Net loans & leases
  • $2,057Loan loss allowance
  • $0Trading account assets
  • $9,126Bank premises and fixed assets
  • $3,050Other real estate owned
  • $7,636Goodwill and other intangibles
  • $376,935Life insurance assets
  • $15,762All other assets
  • $338,617Total liabilities and capital
  • $267,853Total liabilities
  • $246,245Total deposits
  • $267,853Interest-bearing deposits
  • $75Deposits held in domestic offices
  • 8000.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $60,000Trading liabilities
  • $0Other borrowed funds
  • $2,764Subordinated debt
  • $38,318All other liabilities
  • $38,318Total equity capital
  • $38,318Total bank equity capital
  • $0Perpetual preferred stock
  • $1Common stock
  • $24,876Surplus
  • $13,441Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $1,938Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,840Income earned, not collected on loans
  • $0Earning assets
  • $1,264Long-term assets (5+ years)
  • $339,232Average Assets, year-to-date
  • $174,379Average Assets, quarterly
  • $352,638Volatile liabilities
  • $364,879Insider loans
  • $232,005FHLB advances
  • $363,624Loans and leases held for sale
  • $7,166Unused loan commitments
  • $7,166Tier 1 (core) risk-based capital
  • $31,952Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $24,307Restructured Loans and leases
  • $2,191Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $13,995Total interest income
  • $4,914Total interest expense
  • $9,081Net interest income
  • $550Provision for loan and lease losses
  • $3,021Total noninterest income
  • $0Fiduciary activities
  • $832Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,189Additional noninterest income
  • $9,723Total noninterest expense
  • $5,039Salaries and employee benefits
  • $1,361Premises and equipment expense
  • $3,323Additional noninterest expense
  • $1,829Pre-tax net operating income
  • -$197Securities gains (losses)
  • $222Applicable income taxes
  • $1,410Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,410Net income attributable to bank
  • $0Net charge-offs
  • $1,410Cash dividends
  • $511Sale, conversion, retirement of capital stock, net
  • $1,250Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.44%Yield on earning assets
  • 1.56%Cost of funding earning assets
  • 2.88%Net interest margin
  • 0.96%Noninterest income to earning assets
  • 3.09%Noninterest expense to earning assets
  • 0.45%Net operating income to assets
  • 0.40%Return on assets (ROA)
  • 0.46%Pretax return on assets
  • 3.79%Return on equity (ROE)
  • 0.43%Retained earnings to average equity (YTD only)
  • 0.32%Net charge-offs to loans
  • 107.63%Credit loss provision to net charge-offs
  • 4.66%Efficiency ratio
  • 79,565Assets per employee
  • 3.81%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 88.65%Loss allowance to loans
  • 1.23%Loss allowance to noncurrent loans
  • 111.79%Noncurrent assets plus other real estate owned to assets
  • 2.05%Noncurrent loans to loans
  • 1.10%Net loans and leases to deposits
  • 61.72%Net loans and leases to core deposits
  • 62.51%Equity capital to assets
  • 10.17%Core capital (leverage) ratio
  • 8.79%Tier 1 risk-based capital ratio
  • 13.77%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $352,638Average earning assets
  • $37,250Average equity
  • $314,922Average loans

List of branches

  • 9 Indiana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    041890First Federal Savings Bank5001 Davis Lant Drive, Evansville, IN 47715July 01, 1934Full Service Brick and Mortar
    1012726072200 W. Franklin St. Branch2200 W. Franklin St., Evansville, IN 47712July 01, 1934Full Service Brick and Mortar
    102272608First Avenue Branch4451 First Avenue, Evansville, IN 47710November 10, 1997Full Service Brick and Mortar
    103263232University Avenue Branch4615 University Drive, Evansville, IN 47712June 30, 1988Full Service Brick and Mortar
    104263236Bellemeade Avenue Branch4601 Bellemeade Avenue, Evansville, IN 47714June 26, 1998Full Service Brick and Mortar
    105446140Bell Oaks Drive Branch8388 Bell Oaks Drive, Newburgh, IN 47630November 13, 2000Full Service Brick and Mortar
    1084644702950 St Philip Road South2950 St Philip Road South, Evansville, IN 47712November 01, 2005Full Service Brick and Mortar
    109495139Petersburg Main Street Branch501 E Main St, Petersburg, IN 47567October 01, 2006Full Service Brick and Mortar
    110495140Van Trees Street Branch200 E Van Trees St, Washington, IN 47501October 10, 2006Full Service Brick and Mortar

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