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)
  • Show street view No street view available for this location

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

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

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with First Federal Savings and Loan Association.
Based on public records. Inadvertent errors are possible.
bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents