First Federal Savings and Loan Association in Centerburg, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • First Federal Savings and Loan Association in Centerburg, Ohio (OH)
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First Federal Savings and Loan Association - Overview

  • General
  • FDIC Certificate #: 29005
    Status: Active
    Federal Reserve ID: 693073
    Date Established: June 01, 1934
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 2753
    FDIC's unique #: 41839
    Numeric code: 38
    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: Mortgage Lending Specialization
    Date of Deposit Insurance: November 01, 1934
    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: 5 East Main Street, Centerburg, OH 43011
    County: Knox
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Columbus
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Combined Statistical Area (CSA): Columbus-Marion-Chillicothe, OH (#198)
    Core Based Statistical Area (CBSA): Mount Vernon, OH (#34540)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $27.2 mil
    Equity capital: $4.0 mil
    Deposits held in domestic offices: $22.7 mil
    Return on assets (ROA): -0.16% (-$0.0 mil)
    Quarterly return on assets: -1.61% (-$0.4 mil)
    Return on Equity (ROE): -1.06% (-$0.0 mil)
    Quarterly return on equity: -11.03% (-$0.4 mil)
    Net income: -$0.0 mil
    Quarterly Net income: -$0.1 mil
    Pretax return on assets: -0.05% (-$13.6 mil)
    Quarterly Pretax return on assets: -1.39% (-$377.9 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
  • 4Total employees (full-time equivalent)
  • $27,190Total assets
  • $3,468Cash and due from depository institutions
  • $3,074Interest-bearing balances
  • $5,395Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $16,840Net loans & leases
  • $140Loan loss allowance
  • $0Trading account assets
  • $41Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $27,190Life insurance assets
  • $1,446All other assets
  • $23,218Total liabilities and capital
  • $22,690Total liabilities
  • $22,690Total deposits
  • $22,690Interest-bearing deposits
  • $99Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $528Subordinated debt
  • $3,972All other liabilities
  • $3,972Total equity capital
  • $3,972Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $3,972Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $76Income earned, not collected on loans
  • $0Earning assets
  • $14Long-term assets (5+ years)
  • $25,309Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $26,947Volatile liabilities
  • $27,393Insider loans
  • $12,224FHLB advances
  • $27,195Loans and leases held for sale
  • $949Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $3,977Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $0Restructured Loans and leases
  • $122Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,140Total interest income
  • $440Total interest expense
  • $700Net interest income
  • $0Provision for loan and lease losses
  • $5Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $5Additional noninterest income
  • $587Total noninterest expense
  • $342Salaries and employee benefits
  • $75Premises and equipment expense
  • $170Additional noninterest expense
  • $118Pre-tax net operating income
  • -$132Securities gains (losses)
  • $28Applicable income taxes
  • -$42Income before extraordinary items
  • $0Extraordinary gains - net
  • -$42Net income attributable to bank
  • $0Net charge-offs
  • -$42Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.56%Yield on earning assets
  • 1.76%Cost of funding earning assets
  • 2.80%Net interest margin
  • 0.02%Noninterest income to earning assets
  • 2.35%Noninterest expense to earning assets
  • 0.33%Net operating income to assets
  • -0.16%Return on assets (ROA)
  • -0.05%Pretax return on assets
  • -1.06%Return on equity (ROE)
  • -1.06%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 83,262Assets per employee
  • 6.80%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.82%Loss allowance to noncurrent loans
  • 184.21%Noncurrent assets plus other real estate owned to assets
  • 0.28%Noncurrent loans to loans
  • 0.45%Net loans and leases to deposits
  • 74.22%Net loans and leases to core deposits
  • 74.22%Equity capital to assets
  • 14.61%Core capital (leverage) ratio
  • 14.62%Tier 1 risk-based capital ratio
  • 32.53%Total risk-based capital ratio
  • Memoranda
  • $34Average assets
  • $26,947Average earning assets
  • $3,959Average equity
  • $25,015Average loans

List of branches

  • 1 Ohio Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    041839First Federal Savings And Loan Assoc5 East Main Street, Centerburg, OH 43011June 01, 1934Full Service Brick and Mortar

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