First Federal Savings Bank of Twin Falls in Twin Falls, Idaho (ID)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • First Federal Savings Bank of Twin Falls in Twin Falls, Idaho (ID)
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First Federal Savings Bank of Twin Falls - Overview

  • General
  • FDIC Certificate #: 28845
    Status: Active
    Federal Reserve ID: 582971
    Date Established: January 01, 1916
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 10 (Domestic: 10, Interstate: No)
    OTS Docket #: 2479
    FDIC's unique #: 41679
    Numeric code: 34
    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: March 18, 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: 383 Shoshone Street North, Twin Falls, ID 83303
    County: Twin Falls
    Quarterly Banking Profile Region: San Francisco
    FDIC Geographic Region: San Francisco
    FDIC Supervisory Region: San Francisco
    FDIC Field Office: Salt Lake City
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Core Based Statistical Area (CBSA): Twin Falls, ID (#46300)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $472.3 mil
    Equity capital: $51.6 mil
    Deposits held in domestic offices: $397.3 mil
    Return on assets (ROA): 0.39% ($1.8 mil)
    Quarterly return on assets: 0.32% ($1.5 mil)
    Return on Equity (ROE): 3.59% ($1.9 mil)
    Quarterly return on equity: 2.91% ($1.5 mil)
    Net income: $1.8 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 0.61% ($2,881.0 mil)
    Quarterly Pretax return on assets: 0.50% ($2,361.5 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
  • 185Total employees (full-time equivalent)
  • $472,302Total assets
  • $94,580Cash and due from depository institutions
  • $90,080Interest-bearing balances
  • $7,991Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $340,872Net loans & leases
  • $3,002Loan loss allowance
  • $0Trading account assets
  • $13,746Bank premises and fixed assets
  • $2,357Other real estate owned
  • $2,301Goodwill and other intangibles
  • $472,302Life insurance assets
  • $10,455All other assets
  • $420,672Total liabilities and capital
  • $397,305Total liabilities
  • $342,058Total deposits
  • $397,305Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 3934.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $14,560Trading liabilities
  • $0Other borrowed funds
  • $4,873Subordinated debt
  • $51,630All other liabilities
  • $51,630Total equity capital
  • $51,630Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $51,630Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,429Income earned, not collected on loans
  • $0Earning assets
  • $1,264Long-term assets (5+ years)
  • $438,943Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $463,583Volatile liabilities
  • $471,085Insider loans
  • $292,794FHLB advances
  • $470,349Loans and leases held for sale
  • $4,103Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $49,859Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $60,811Restructured Loans and leases
  • $3,813Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $20,383Total interest income
  • $4,506Total interest expense
  • $15,877Net interest income
  • $1,329Provision for loan and lease losses
  • $5,018Total noninterest income
  • $0Fiduciary activities
  • $660Service charges on deposit accounts
  • $0Trading account gains & fees
  • $4,358Additional noninterest income
  • $17,325Total noninterest expense
  • $10,519Salaries and employee benefits
  • $2,357Premises and equipment expense
  • $4,449Additional noninterest expense
  • $2,241Pre-tax net operating income
  • $606Securities gains (losses)
  • $1,025Applicable income taxes
  • $1,822Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,822Net income attributable to bank
  • $0Net charge-offs
  • $1,822Cash dividends
  • $1,031Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.76%Yield on earning assets
  • 1.05%Cost of funding earning assets
  • 3.70%Net interest margin
  • 1.17%Noninterest income to earning assets
  • 4.04%Noninterest expense to earning assets
  • 0.31%Net operating income to assets
  • 0.39%Return on assets (ROA)
  • 0.61%Pretax return on assets
  • 3.59%Return on equity (ROE)
  • 3.59%Retained earnings to average equity (YTD only)
  • 0.30%Net charge-offs to loans
  • 128.90%Credit loss provision to net charge-offs
  • 3.46%Efficiency ratio
  • 82,915Assets per employee
  • 2.55%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.87%Loss allowance to noncurrent loans
  • 123.59%Noncurrent assets plus other real estate owned to assets
  • 1.01%Noncurrent loans to loans
  • 0.71%Net loans and leases to deposits
  • 85.80%Net loans and leases to core deposits
  • 88.01%Equity capital to assets
  • 10.93%Core capital (leverage) ratio
  • 10.60%Tier 1 risk-based capital ratio
  • 17.03%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $463,583Average earning assets
  • $50,749Average equity
  • $428,635Average loans

List of branches

  • 10 Idaho Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    041679First Federal Savings Bank Of Twin F383 Shoshone Street North, Twin Falls, ID 83303January 01, 1916Full Service Brick and Mortar
    1270978Burley Branch2059 Overland Avenue, Burley, ID 83318August 01, 1989Full Service Brick and Mortar
    100270979Blue Lakes Branch886 Blue Lakes Boulevard North, Twin Falls, ID 83301November 01, 1977Full Service Brick and Mortar
    102270981Rupert Branch701 7th Street, Rupert, ID 83350October 01, 1979Full Service Brick and Mortar
    104270982Buhl Branch123 North Broadway, Buhl, ID 83316July 01, 1982Full Service Brick and Mortar
    106359083Eastland Branch148 Eastland Drive, Twin Falls, ID 83301May 01, 2000Full Service Brick and Mortar
    107424801Falls West Branch110 Falls Avenue, Twin Falls, ID 83301October 01, 1988Full Service Brick and Mortar
    108424802Jerome Branch1515 South Lincoln Street, Jerome, ID 83338December 15, 2002Full Service Brick and Mortar
    109445943East Main Branch1095 East Main Street, Burley, ID 83318June 23, 2005Full Service Brick and Mortar
    110518135Kimberly Rd Branch22349 Kimberly Rd, Kimberly, ID 83341September 05, 2006Full Service Brick and Mortar

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