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



Show street view No street view available for this location
Table of contents:
First Savings Bank, F.S.B.
GeneralFDIC 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
LocationAddress: 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 ChangesChange in Primary Regulatory Agency
Financial SummaryTotal 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)
Total employees (full-time equivalent)153
Total assets$539,937
Cash and due from depository institutions$17,224
Interest-bearing balances$5,781
Securities$128,832
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$355,718
Loan loss allowance $4,703
Trading account assets$0
Bank premises and fixed assets$10,467
Other real estate owned$1,502
Goodwill and other intangibles$8,020
All other assets$18,174
Life insurance assets$539,937
Total liabilities and capital$468,376
Total liabilities$372,761
Total deposits$337,620
Interest-bearing deposits$372,761
Deposits held in domestic offices$87
% insured (estimated)1323.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$91,806
Other borrowed funds $0
Subordinated debt $2,486
All other liabilities $71,561
Total equity capital$71,561
Total bank equity capital$71,561
Perpetual preferred stock$0
Common stock$1
Surplus$29,005
Undivided profits $42,555
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $6,417
Earning assets $92
Long-term assets (5+ years) $2,520
Average Assets, year-to-date $490,331
Average Assets, quarterly $0
Volatile liabilities $525,449
Insider loans $538,371
FHLB advances $366,497
Loans and leases held for sale $527,070
Unused loan commitments $8,625
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $60,501
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $38,766
Derivatives$4,811
Back to page top, Back to table top

Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $25,734
Total interest expense $5,204
Net interest income $20,530
Provision for loan and lease losses $1,573
Total noninterest income $2,670
Fiduciary activities $0
Service charges on deposit accounts $1,271
Trading account gains & fees -$81
Additional noninterest income $1,480
Total noninterest expense $15,326
Salaries and employee benefits $8,629
Premises and equipment expense $2,987
Additional noninterest expense $3,710
Pre-tax net operating income $6,301
Securities gains (losses) $37
Applicable income taxes $1,806
Income before extraordinary items $4,532
Extraordinary gains - net $0
Net income attributable to bank $4,532
Net charge-offs $0
Cash dividends $4,532
Sale, conversion, retirement of capital stock, net $430
Net operating income $0
Back to page top, Back to table top

Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.39%
Cost of funding earning assets 1.09%
Net interest margin 4.30%
Noninterest income to earning assets 0.56%
Noninterest expense to earning assets 3.21%
Net operating income to assets 0.86%
Return on assets (ROA) 0.86%
Pretax return on assets 1.21%
Return on equity (ROE) 7.61%
Retained earnings to average equity (YTD only) 7.61%
Net charge-offs to loans 0.12%
Credit loss provision to net charge-offs 365.81%
Efficiency ratio18.31%
Assets per employee$64,793
Cash dividends to net income (YTD only)3.53%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.30%
Noncurrent assets plus other real estate owned to assets 73.29%
Noncurrent loans to loans 1.47%
Net loans and leases to deposits1.78%
Net loans and leases to core deposits 95.43%
Equity capital to assets 103.59%
Core capital (leverage) ratio 13.25%
Tier 1 risk-based capital ratio 11.48%
Total risk-based capital ratio 16.51%
Memoranda
Average assets$18
Average earning assets$525,449
Average equity $59,584
Average loans $477,690
Back to page top, Back to table top

Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$1,091
Number of Accounts1
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Investment management agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts1
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$1,091
Corporate trust and agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
Back to page top, Back to table top

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
Back to page top

User Contributions:

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

CAPTCHA


This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with First Savings Bank, F.S.B..
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.