First Federal Savings Bank of Richmond in city_name, state_name

First Federal Savings Bank of Richmond in Richmond, Kentucky (KY)
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First Federal Savings Bank of Richmond - Overview

General
FDIC Certificate #: 28402
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Great Financial Bank, FSB (#27731)
Federal Reserve ID: 107972
Date Established: January 01, 1923
Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
OTS Docket #: 1523
FDIC's unique #: 41236
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 01, 1937
Last Structure Change Effective Date: July 05, 1996
Last Structure Change Process Date: July 24, 1996
Last Data Update: July 24, 1996
Data Source Date: April 05, 2012
Location
Address: 200 East Main Street, Richmond, KY 40475
County: Madison
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Lexington
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Southeast
Metropolitan Statistical Area (MSA): Lexington, KY (#4280)
Combined Statistical Area (CSA): Lexington-Fayette-Frankfort-Richmond, KY (#336)
Core Based Statistical Area (CBSA): Richmond-Berea, KY (#40080)
CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $136.5 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

Dollar figures in thousands
0Total employees (full-time equivalent)
$50Total assets
$137,133Cash and due from depository institutions
$9,134Interest-bearing balances
$8,044Securities
$12,375Federal funds sold & reverse repurchase agreements
$0Net loans & leases
$106,361Loan loss allowance
$200Trading account assets
$0Bank premises and fixed assets
$2,243Other real estate owned
$0Goodwill and other intangibles
$2,246Life insurance assets
$4,774All other assets
$0Total liabilities and capital
$137,133Total liabilities
$119,280Total deposits
$111,912Interest-bearing deposits
$106,169Deposits held in domestic offices
111912.00%% insured (estimated)
$94Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$6,309Subordinated debt
$0All other liabilities
$1,059Total equity capital
$1,059Total bank equity capital
$17,853Perpetual preferred stock
$0Common stock
$100Surplus
$17,255Undivided profits
Memoranda
$498Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$664Income earned, not collected on loans
$700Earning assets
$126,780Long-term assets (5+ years)
$0Average Assets, year-to-date
$128,922Average Assets, quarterly
$136,728Volatile liabilities
$21,845Insider loans
$869FHLB advances
$6,309Loans and leases held for sale
$0Unused loan commitments
$5,327Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$13,520Total risk weighted assets
$79,097Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1995)

Dollar figures in thousands
$0Total interest income
$4,872Total interest expense
$2,741Net interest income
$2,131Provision for loan and lease losses
$30Total noninterest income
$383Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$0Additional noninterest income
$383Total noninterest expense
$1,644Salaries and employee benefits
$754Premises and equipment expense
$288Additional noninterest expense
$602Pre-tax net operating income
$840Securities gains (losses)
$0Applicable income taxes
$348Income before extraordinary items
$492Extraordinary gains - net
$0Net income attributable to bank
$492Net charge-offs
$30Cash dividends
$0Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1995)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
4.00%Cost of funding earning assets
2.25%Net interest margin
1.75%Noninterest income to earning assets
0.31%Noninterest expense to earning assets
1.35%Net operating income to assets
0.38%Return on assets (ROA)
0.38%Pretax return on assets
0.65%Return on equity (ROE)
3.46%Retained earnings to average equity (YTD only)
3.46%Net charge-offs to loans
0.03%Credit loss provision to net charge-offs
100.00%Efficiency ratio
60,024Assets per employee
2.74%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.19%Loss allowance to noncurrent loans
30.12%Noncurrent assets plus other real estate owned to assets
0.48%Noncurrent loans to loans
0.62%Net loans and leases to deposits
95.04%Net loans and leases to core deposits
110.36%Equity capital to assets
13.02%Core capital (leverage) ratio
10.20%Tier 1 risk-based capital ratio
17.09%Total risk-based capital ratio
Memoranda
$17Average assets
$128,922Average earning assets
$14,211Average equity
$121,702Average loans

First Federal Savings Bank of Richmond in Richmond, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

First Federal Savings Bank of Richmond - Overview

Assets and Liabilities (December 31, 1995)

Income and Expense (December 31, 1995)

Performance and Condition Ratios (December 31, 1995)

Comment about this bank, ask questions, or add new information about it:

First Federal Savings Bank of Richmond in Richmond, Kentucky (KY)Overview, Financial Summary, Detailed Financial Reports, Branches

First Federal Savings Bank of Richmond - Overview

Assets and Liabilities (December 31, 1995)

Income and Expense (December 31, 1995)

Performance and Condition Ratios (December 31, 1995)

Comment about this bank, ask questions, or add new information about it:

First Federal Savings Bank of Richmond in Richmond, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches