First Savings Bank, F.S.B. in Clarksville, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • First Savings Bank, F.S.B. in Clarksville, Indiana (IN)
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First Savings Bank, F.S.B. - Overview

  • General
  • FDIC Certificate #: 29961
    Status: Active
    Federal Reserve ID: 785473
    Date Established: January 07, 1938
    WWW: http://www.fsbbank.net
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 12 (Domestic: 12, Interstate: No)
    OTS Docket #: 4433
    FDIC's unique #: 42795
    Numeric code: 33
    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: Commercial Lending Specialization
    Date of Deposit Insurance: January 07, 1938
    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: 501 E Lewisandclark Pkwy, Clarksville, IN 47129
    County: Clark
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Indianapolis
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Louisville, KY-IN (#4520)
    Combined Statistical Area (CSA): Louisville-Jefferson County-Elizabethtown-Scottsburg, KY-IN (#350)
    Core Based Statistical Area (CBSA): Louisville-Jefferson County, KY-IN (#31140)
    CBSA Metro Statistical Area: Louisville-Jefferson County, KY-IN (#31140)
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $539.9 mil
    Equity capital: $71.6 mil
    Deposits held in domestic offices: $372.8 mil
    Return on assets (ROA): 0.86% ($4.6 mil)
    Quarterly return on assets: 0.80% ($4.3 mil)
    Return on Equity (ROE): 7.61% ($5.5 mil)
    Quarterly return on equity: 6.05% ($4.4 mil)
    Net income: $4.5 mil
    Quarterly Net income: $1.1 mil
    Pretax return on assets: 1.21% ($6,533.2 mil)
    Quarterly Pretax return on assets: 1.10% ($5,939.3 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
  • 153Total employees (full-time equivalent)
  • $539,937Total assets
  • $17,224Cash and due from depository institutions
  • $5,781Interest-bearing balances
  • $128,832Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $355,718Net loans & leases
  • $4,703Loan loss allowance
  • $0Trading account assets
  • $10,467Bank premises and fixed assets
  • $1,502Other real estate owned
  • $8,020Goodwill and other intangibles
  • $539,937Life insurance assets
  • $18,174All other assets
  • $468,376Total liabilities and capital
  • $372,761Total liabilities
  • $337,620Total deposits
  • $372,761Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 1323.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $91,806Trading liabilities
  • $0Other borrowed funds
  • $2,486Subordinated debt
  • $71,561All other liabilities
  • $71,561Total equity capital
  • $71,561Total bank equity capital
  • $0Perpetual preferred stock
  • $1Common stock
  • $29,005Surplus
  • $42,555Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $6,417Income earned, not collected on loans
  • $92Earning assets
  • $2,520Long-term assets (5+ years)
  • $490,331Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $525,449Volatile liabilities
  • $538,371Insider loans
  • $366,497FHLB advances
  • $527,070Loans and leases held for sale
  • $8,625Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $60,501Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $38,766Restructured Loans and leases
  • $4,811Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $25,734Total interest income
  • $5,204Total interest expense
  • $20,530Net interest income
  • $1,573Provision for loan and lease losses
  • $2,670Total noninterest income
  • $0Fiduciary activities
  • $1,271Service charges on deposit accounts
  • -$81Trading account gains & fees
  • $1,480Additional noninterest income
  • $15,326Total noninterest expense
  • $8,629Salaries and employee benefits
  • $2,987Premises and equipment expense
  • $3,710Additional noninterest expense
  • $6,301Pre-tax net operating income
  • $37Securities gains (losses)
  • $1,806Applicable income taxes
  • $4,532Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,532Net income attributable to bank
  • $0Net charge-offs
  • $4,532Cash dividends
  • $430Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.39%Yield on earning assets
  • 1.09%Cost of funding earning assets
  • 4.30%Net interest margin
  • 0.56%Noninterest income to earning assets
  • 3.21%Noninterest expense to earning assets
  • 0.86%Net operating income to assets
  • 0.86%Return on assets (ROA)
  • 1.21%Pretax return on assets
  • 7.61%Return on equity (ROE)
  • 7.61%Retained earnings to average equity (YTD only)
  • 0.12%Net charge-offs to loans
  • 365.81%Credit loss provision to net charge-offs
  • 18.31%Efficiency ratio
  • 64,793Assets per employee
  • 3.53%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.30%Loss allowance to noncurrent loans
  • 73.29%Noncurrent assets plus other real estate owned to assets
  • 1.47%Noncurrent loans to loans
  • 1.78%Net loans and leases to deposits
  • 95.43%Net loans and leases to core deposits
  • 103.59%Equity capital to assets
  • 13.25%Core capital (leverage) ratio
  • 11.48%Tier 1 risk-based capital ratio
  • 16.51%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $525,449Average earning assets
  • $59,584Average equity
  • $477,690Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $1,091Managed Assets
  • 1Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 1Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $1,091Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 12 Indiana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    042795First Savings Bank, F.S.b.501 E Lewisandclark Pkwy, Clarksville, IN 47129January 07, 1938Full Service Brick and Mortar
    1277992202 Court Avenue Branch202 E Court Ave, Jeffersonville, IN 47130January 07, 1938Full Service Brick and Mortar
    22779932213 Allison Lane Branch2213 Allison Lane, Jeffersonville, IN 47130January 07, 1938Full Service Brick and Mortar
    32779941100 Market St Branch1100 Market Street, Charlestown, IN 47111August 30, 1993Full Service Brick and Mortar
    4277995Hunter Station Way Branch125 Hunter Station Way, Sellersburg, IN 47172June 30, 1996Full Service Brick and Mortar
    5419281Georgetown Branch1000 Copperfield Drive, Georgetown, IN 47122June 02, 2003Full Service Brick and Mortar
    6446111Floyds Knobs Branch3711 Paoli Pike, Floyds Knobs, IN 47119January 05, 1999Full Service Brick and Mortar
    78124Corydon Branch900 Highway 62nw, Corydon, IN 47112June 05, 1925Full Service Brick and Mortar
    8227944Leavenworth Branch510 Indiana 62, Leavenworth, IN 47137July 24, 1969Full Service Brick and Mortar
    9227946Marengo Branch125 W Old Short St, Marengo, IN 47140December 29, 1983Full Service Brick and Mortar
    1154772English/Indiana Avenue Branch200 Indiana Avenue, English, IN 47118July 05, 1994Full Service Brick and Mortar
    13290209Salem Office1336 South Jackson Street, Salem, IN 47167Febuary 01, 1995Full Service Brick and Mortar

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