Kentland Federal Savings and Loan Association in Kentland, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Kentland Federal Savings and Loan Association in Kentland, Indiana (IN)
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Kentland Federal Savings and Loan Association - Overview

  • General
  • FDIC Certificate #: 28722
    Status: Active
    Federal Reserve ID: 382274
    Date Established: January 01, 1920
    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 #: 2228
    FDIC's unique #: 41556
    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: December 19, 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: 116 North Third St, Kentland, IN 47951
    County: Newton
    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
    Combined Statistical Area (CSA): Chicago-Naperville-Michigan City, IL-IN-WI (#176)
    Core Based Statistical Area (CBSA): Chicago-Joliet-Naperville, IL-IN-WI (#16980)
    CBSA Metro Statistical Area: Chicago-Joliet-Naperville, IL-IN-WI (#16980)
    Core Based Statistical Division: Gary, IN (#23844)
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $4.7 mil
    Equity capital: $0.6 mil
    Deposits held in domestic offices: $3.6 mil
    Return on assets (ROA): 0.45% ($0.0 mil)
    Quarterly return on assets: 0.35% ($0.0 mil)
    Return on Equity (ROE): 2.97% ($0.0 mil)
    Quarterly return on equity: 2.47% ($0.0 mil)
    Net income: $0.0 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.45% ($21.1 mil)
    Quarterly Pretax return on assets: 0.35% ($16.4 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
  • 2Total employees (full-time equivalent)
  • $4,678Total assets
  • $399Cash and due from depository institutions
  • $227Interest-bearing balances
  • $390Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $3,740Net loans & leases
  • $15Loan loss allowance
  • $0Trading account assets
  • $87Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $4,678Life insurance assets
  • $62All other assets
  • $4,030Total liabilities and capital
  • $3,570Total liabilities
  • $3,570Total deposits
  • $3,570Interest-bearing deposits
  • $100Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $450Trading liabilities
  • $0Other borrowed funds
  • $10Subordinated debt
  • $648All other liabilities
  • $648Total equity capital
  • $648Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $648Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $104Income earned, not collected on loans
  • $0Earning assets
  • $2Long-term assets (5+ years)
  • $4,357Average Assets, year-to-date
  • $3,882Average Assets, quarterly
  • $4,223Volatile liabilities
  • $4,617Insider loans
  • $2,107FHLB advances
  • $4,659Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $648Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $253Total interest income
  • $57Total interest expense
  • $196Net interest income
  • $0Provision for loan and lease losses
  • $8Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $8Additional noninterest income
  • $185Total noninterest expense
  • $128Salaries and employee benefits
  • $12Premises and equipment expense
  • $45Additional noninterest expense
  • $19Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $19Income before extraordinary items
  • $0Extraordinary gains - net
  • $19Net income attributable to bank
  • $0Net charge-offs
  • $19Cash 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)
  • 6.31%Yield on earning assets
  • 1.42%Cost of funding earning assets
  • 4.89%Net interest margin
  • 0.20%Noninterest income to earning assets
  • 4.62%Noninterest expense to earning assets
  • 0.45%Net operating income to assets
  • 0.45%Return on assets (ROA)
  • 0.45%Pretax return on assets
  • 2.97%Return on equity (ROE)
  • 2.97%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
  • 90,686Assets per employee
  • 2.34%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.40%Loss allowance to noncurrent loans
  • 14.42%Noncurrent assets plus other real estate owned to assets
  • 2.22%Noncurrent loans to loans
  • 2.77%Net loans and leases to deposits
  • 104.76%Net loans and leases to core deposits
  • 104.76%Equity capital to assets
  • 13.85%Core capital (leverage) ratio
  • 13.91%Tier 1 risk-based capital ratio
  • 30.75%Total risk-based capital ratio
  • Memoranda
  • $31Average assets
  • $4,223Average earning assets
  • $640Average equity
  • $4,008Average loans

List of branches

  • 1 Indiana Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    041556Kentland Federal Savings And Loan As116 North Third St, Kentland, IN 47951January 01, 1920Full Service Brick and Mortar

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