FDIC Certificate #: 27666 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:First Federal Savings Bank (#29056) Federal Reserve ID: 897675 Date Established: January 01, 1908 WWW:http://www.homebuildingsavingsbank.com Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) OTS Docket #: 76 FDIC's unique #: 40500 Numeric code: 33 Regulator: OTS Insurance Fund Membership: Deposit Insurance Fund (DIF) FDIC Insured: Yes Insured Savings Institution: Yes Deposit Insurance Fund member: Yes State Chartered: No Date of Deposit Insurance: December 20, 1935 Last Structure Change Effective Date: October 01, 2006 Last Structure Change Process Date: October 18, 2006 Last Data Update: October 18, 2006 Data Source Date: April 05, 2012
Location
Address: 200 East Vantrees Street, Washington, IN 47501 County: Daviess 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 Core Based Statistical Area (CBSA): Washington, IN (#47780) CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $60.5 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2005)
Dollar figures in thousands
13Total employees (full-time equivalent)
$60,340Total assets
$8,737Cash and due from depository institutions
$6,796Interest-bearing balances
$10,828Securities
$0Federal funds sold & reverse repurchase agreements
$38,976Net loans & leases
$278Loan loss allowance
$0Trading account assets
$693Bank premises and fixed assets
$41Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$1,065All other assets
$60,340Total liabilities and capital
$54,474Total liabilities
$43,502Total deposits
$41,389Interest-bearing deposits
$43,502Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$10,500Other borrowed funds
$0Subordinated debt
$472All other liabilities
$5,866Total equity capital
$5,866Total bank equity capital
$5,866Perpetual preferred stock
$0Common stock
$3Surplus
$1,427Undivided profits
Memoranda
$4,436Noncurrent loans and leases
$1,930Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$189Earning assets
$0Long-term assets (5+ years)
$304Average Assets, year-to-date
$56,600Average Assets, quarterly
$0Volatile liabilities
$58,662Insider loans
$60,413FHLB advances
$22,587Loans and leases held for sale
$11Unused loan commitments
$10,500Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$1,930Total unused commitments
$50Restructured Loans and leases
$278Derivatives
Income and Expense (December 31, 2005)
Dollar figures in thousands
$3,140Total interest income
$1,349Total interest expense
$1,791Net interest income
$40Provision for loan and lease losses
$195Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$195Additional noninterest income
$1,233Total noninterest expense
$724Salaries and employee benefits
$288Premises and equipment expense
$221Additional noninterest expense
$713Pre-tax net operating income
$0Securities gains (losses)
$263Applicable income taxes
$450Income before extraordinary items
$0Extraordinary gains - net
$450Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$39Sale, conversion, retirement of capital stock, net
$250Net operating income
Performance and Condition Ratios (December 31, 2005)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.66%Yield on earning assets
2.43%Cost of funding earning assets
3.23%Net interest margin
0.35%Noninterest income to earning assets
2.22%Noninterest expense to earning assets
0.77%Net operating income to assets
0.77%Return on assets (ROA)
1.22%Pretax return on assets
7.73%Return on equity (ROE)
3.44%Retained earnings to average equity (YTD only)
0.10%Net charge-offs to loans
102.56%Credit loss provision to net charge-offs
19.31%Efficiency ratio
62,085Assets per employee
4.64%Cash dividends to net income (YTD only)
Condition Ratios (%)
55.56%Loss allowance to loans
0.71%Loss allowance to noncurrent loans
147.09%Noncurrent assets plus other real estate owned to assets
0.38%Noncurrent loans to loans
0.48%Net loans and leases to deposits
89.60%Net loans and leases to core deposits
124.07%Equity capital to assets
9.72%Core capital (leverage) ratio
9.93%Tier 1 risk-based capital ratio
17.87%Total risk-based capital ratio
Memoranda
$19Average assets
$58,662Average earning assets
$5,822Average equity
$55,436Average loans
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