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


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

  • General
  • FDIC Certificate #: 29690
    Status: Active
    Federal Reserve ID: 107570
    Date Established: January 01, 1932
    WWW: http://www.firstfedhuntington.com
    Trust Powers Granted: Yes
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 5 (Domestic: 5, Interstate: No)
    OTS Docket #: 3892
    FDIC's unique #: 42524
    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: Commercial Lending Specialization
    Date of Deposit Insurance: August 19, 1935
    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: 648 N Jefferson St, Huntington, IN 46750
    County: Huntington
    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): Fort Wayne, IN (#2760)
    Combined Statistical Area (CSA): Fort Wayne-Huntington-Auburn, IN (#258)
    Core Based Statistical Area (CBSA): Huntington, IN (#26540)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $261.6 mil
    Equity capital: $26.1 mil
    Deposits held in domestic offices: $191.3 mil
    Return on assets (ROA): 0.83% ($2.2 mil)
    Quarterly return on assets: 1.18% ($3.1 mil)
    Return on Equity (ROE): 8.52% ($2.2 mil)
    Quarterly return on equity: 11.84% ($3.1 mil)
    Net income: $2.1 mil
    Quarterly Net income: $0.8 mil
    Pretax return on assets: 1.06% ($2,773.4 mil)
    Quarterly Pretax return on assets: 1.64% ($4,291.0 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
  • 62Total employees (full-time equivalent)
  • $261,645Total assets
  • $14,284Cash and due from depository institutions
  • $11,617Interest-bearing balances
  • $51,833Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $176,930Net loans & leases
  • $2,434Loan loss allowance
  • $0Trading account assets
  • $2,619Bank premises and fixed assets
  • $1,235Other real estate owned
  • $690Goodwill and other intangibles
  • $261,645Life insurance assets
  • $14,054All other assets
  • $235,546Total liabilities and capital
  • $191,344Total liabilities
  • $175,732Total deposits
  • $191,344Interest-bearing deposits
  • $69Deposits held in domestic offices
  • 12893.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $29,500Trading liabilities
  • $0Other borrowed funds
  • $1,809Subordinated debt
  • $26,099All other liabilities
  • $26,099Total equity capital
  • $26,099Total bank equity capital
  • $110Perpetual preferred stock
  • $22Common stock
  • $12,150Surplus
  • $13,817Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $5,759Income earned, not collected on loans
  • $0Earning assets
  • $981Long-term assets (5+ years)
  • $240,380Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $257,698Volatile liabilities
  • $260,386Insider loans
  • $174,711FHLB advances
  • $260,055Loans and leases held for sale
  • $7,017Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $24,399Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $37,231Restructured Loans and leases
  • $2,208Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $12,216Total interest income
  • $3,103Total interest expense
  • $9,113Net interest income
  • $2,175Provision for loan and lease losses
  • $2,383Total noninterest income
  • $0Fiduciary activities
  • $176Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,207Additional noninterest income
  • $6,866Total noninterest expense
  • $3,505Salaries and employee benefits
  • $1,501Premises and equipment expense
  • $1,860Additional noninterest expense
  • $2,455Pre-tax net operating income
  • $272Securities gains (losses)
  • $592Applicable income taxes
  • $2,135Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,135Net income attributable to bank
  • $0Net charge-offs
  • $2,135Cash dividends
  • $1,493Sale, conversion, retirement of capital stock, net
  • $1,214Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.17%Yield on earning assets
  • 1.31%Cost of funding earning assets
  • 3.86%Net interest margin
  • 1.01%Noninterest income to earning assets
  • 2.91%Noninterest expense to earning assets
  • 0.75%Net operating income to assets
  • 0.83%Return on assets (ROA)
  • 1.06%Pretax return on assets
  • 8.52%Return on equity (ROE)
  • 3.68%Retained earnings to average equity (YTD only)
  • 0.82%Net charge-offs to loans
  • 145.68%Credit loss provision to net charge-offs
  • 3.10%Efficiency ratio
  • 59,012Assets per employee
  • 4.22%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 56.86%Loss allowance to loans
  • 1.36%Loss allowance to noncurrent loans
  • 42.26%Noncurrent assets plus other real estate owned to assets
  • 2.67%Noncurrent loans to loans
  • 3.21%Net loans and leases to deposits
  • 92.47%Net loans and leases to core deposits
  • 105.36%Equity capital to assets
  • 9.97%Core capital (leverage) ratio
  • 9.38%Tier 1 risk-based capital ratio
  • 13.97%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $257,698Average earning assets
  • $25,048Average equity
  • $236,287Average loans

Total Fiduciary and Related Assets (December 31, 2002)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $40,394Managed Assets
  • 1Number of Accounts
  • $16,787Personal trust and agency accounts
  • $6,688Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $3,173Other retirement accounts
  • $143Corporate trust and agency accounts
  • $339Investment management agency accounts
  • $6,444Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 264Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $23,607Other retirement accounts
  • $2,539Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $4,416Fiduciary accounts held in foreign offices

List of branches

  • 5 Indiana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    042524First Federal Savings Bank648 N Jefferson St, Huntington, IN 46750January 01, 1932Full Service Brick and Mortar
    1002768261240 S Jefferson St Branch1240 South Jefferson Street, Huntington, IN 46750January 01, 1932Full Service Brick and Mortar
    101276827Frontage Road Branch100 Frontage Road, Huntington, IN 46750June 30, 1996Full Service Brick and Mortar
    102495509402 East Center Street Branch402 East Center Street, Warsaw, IN 46580January 15, 2007Full Service Brick and Mortar
    103518100South Bend Dr Branch5317 S Bend Dr, Fort Wayne, IN 46804September 15, 2009Full Service Brick and Mortar

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