First Federal Savings and Loan Association in Aberdeen, Mississippi (MS)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • First Federal Savings and Loan Association in Aberdeen, Mississippi (MS)
  • Show street view No street view available for this location

First Federal Savings and Loan Association - Overview

  • General
  • FDIC Certificate #: 29646
    Status: Active
    Federal Reserve ID: 339876
    Date Established: March 23, 1936
    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 #: 3816
    FDIC's unique #: 42480
    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: March 23, 1936
    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: 111 West Commerce Street, Aberdeen, MS 39730
    County: Monroe
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Jackson Ms
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $31.2 mil
    Equity capital: $6.0 mil
    Deposits held in domestic offices: $25.0 mil
    Return on assets (ROA): 0.90% ($0.3 mil)
    Quarterly return on assets: 0.75% ($0.2 mil)
    Return on Equity (ROE): 4.60% ($0.3 mil)
    Quarterly return on equity: 3.88% ($0.2 mil)
    Net income: $0.3 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.44% ($449.5 mil)
    Quarterly Pretax return on assets: 1.18% ($368.4 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)
  • $31,218Total assets
  • $5,050Cash and due from depository institutions
  • $2,467Interest-bearing balances
  • $7,333Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $18,364Net loans & leases
  • $105Loan loss allowance
  • $0Trading account assets
  • $10Bank premises and fixed assets
  • $116Other real estate owned
  • $0Goodwill and other intangibles
  • $31,218Life insurance assets
  • $345All other assets
  • $25,217Total liabilities and capital
  • $25,026Total liabilities
  • $25,026Total deposits
  • $25,026Interest-bearing deposits
  • $100Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $191Subordinated debt
  • $6,001All other liabilities
  • $6,001Total equity capital
  • $6,001Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $6,001Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $65Income earned, not collected on loans
  • $0Earning assets
  • $123Long-term assets (5+ years)
  • $28,164Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $29,994Volatile liabilities
  • $30,840Insider loans
  • $11,867FHLB advances
  • $31,218Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $6,001Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $177Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,251Total interest income
  • $320Total interest expense
  • $931Net interest income
  • $0Provision for loan and lease losses
  • $14Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $14Additional noninterest income
  • $512Total noninterest expense
  • $340Salaries and employee benefits
  • $69Premises and equipment expense
  • $103Additional noninterest expense
  • $433Pre-tax net operating income
  • $0Securities gains (losses)
  • $163Applicable income taxes
  • $270Income before extraordinary items
  • $0Extraordinary gains - net
  • $270Net income attributable to bank
  • $0Net charge-offs
  • $270Cash 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)
  • 4.61%Yield on earning assets
  • 1.18%Cost of funding earning assets
  • 3.43%Net interest margin
  • 0.05%Noninterest income to earning assets
  • 1.89%Noninterest expense to earning assets
  • 0.90%Net operating income to assets
  • 0.90%Return on assets (ROA)
  • 1.44%Pretax return on assets
  • 4.60%Return on equity (ROE)
  • 4.60%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
  • 54,180Assets per employee
  • 7.80%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.57%Loss allowance to noncurrent loans
  • 161.54%Noncurrent assets plus other real estate owned to assets
  • 0.58%Noncurrent loans to loans
  • 0.35%Net loans and leases to deposits
  • 73.38%Net loans and leases to core deposits
  • 73.38%Equity capital to assets
  • 19.22%Core capital (leverage) ratio
  • 19.22%Tier 1 risk-based capital ratio
  • 50.57%Total risk-based capital ratio
  • Memoranda
  • $51Average assets
  • $29,994Average earning assets
  • $5,870Average equity
  • $27,157Average loans

List of branches

  • 1 Mississippi Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    042480First Federal Savings And Loan Assoc111 West Commerce Street, Aberdeen, MS 39730March 23, 1936Full 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. does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents