First Federal Savings Bank of Twin Falls in city_name, state_name

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
WWW: http://www.firstfd.com
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

No	ID	Name	Address	Established	Service Type
0	41679	First Federal Savings Bank Of Twin F	383 Shoshone Street North, Twin Falls, ID 83303	January 01, 1916	Full Service Brick and Mortar
1	270978	Burley Branch	2059 Overland Avenue, Burley, ID 83318	August 01, 1989	Full Service Brick and Mortar
100	270979	Blue Lakes Branch	886 Blue Lakes Boulevard North, Twin Falls, ID 83301	November 01, 1977	Full Service Brick and Mortar
102	270981	Rupert Branch	701 7th Street, Rupert, ID 83350	October 01, 1979	Full Service Brick and Mortar
104	270982	Buhl Branch	123 North Broadway, Buhl, ID 83316	July 01, 1982	Full Service Brick and Mortar
106	359083	Eastland Branch	148 Eastland Drive, Twin Falls, ID 83301	May 01, 2000	Full Service Brick and Mortar
107	424801	Falls West Branch	110 Falls Avenue, Twin Falls, ID 83301	October 01, 1988	Full Service Brick and Mortar
108	424802	Jerome Branch	1515 South Lincoln Street, Jerome, ID 83338	December 15, 2002	Full Service Brick and Mortar
109	445943	East Main Branch	1095 East Main Street, Burley, ID 83318	June 23, 2005	Full Service Brick and Mortar
110	518135	Kimberly Rd Branch	22349 Kimberly Rd, Kimberly, ID 83341	September 05, 2006	Full Service Brick and Mortar

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 - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

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 - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

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