Lafayette Savings Bank, FSB in Lafayette, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Lafayette Savings Bank, FSB in Lafayette, Indiana (IN)
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Lafayette Savings Bank, FSB - Overview

  • General
  • FDIC Certificate #: 11990
    Status: Active
    Federal Reserve ID: 152646
    Date Established: June 26, 1869
    WWW: http://www.lsbank.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 5 (Domestic: 5, Interstate: No)
    OTS Docket #: 8050
    FDIC's unique #: 7651
    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 01, 1934
    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: 101 Main Street, Lafayette, IN 47901
    County: Tippecanoe
    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): Lafayette, IN (#3920)
    Combined Statistical Area (CSA): Lafayette-Frankfort, IN (#320)
    Core Based Statistical Area (CBSA): Lafayette, IN (#29140)
    CBSA Metro Statistical Area: Lafayette, IN (#29140)
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $364.3 mil
    Equity capital: $35.7 mil
    Deposits held in domestic offices: $309.6 mil
    Return on assets (ROA): 0.16% ($0.6 mil)
    Quarterly return on assets: -0.73% (-$2.7 mil)
    Return on Equity (ROE): 1.66% ($0.6 mil)
    Quarterly return on equity: -7.33% (-$2.6 mil)
    Net income: $0.6 mil
    Quarterly Net income: -$0.7 mil
    Pretax return on assets: 0.22% ($801.6 mil)
    Quarterly Pretax return on assets: -1.25% (-$4,554.3 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
  • 92Total employees (full-time equivalent)
  • $364,345Total assets
  • $21,649Cash and due from depository institutions
  • $19,140Interest-bearing balances
  • $13,717Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $305,175Net loans & leases
  • $5,331Loan loss allowance
  • $0Trading account assets
  • $6,146Bank premises and fixed assets
  • $1,746Other real estate owned
  • $962Goodwill and other intangibles
  • $364,345Life insurance assets
  • $14,950All other assets
  • $328,688Total liabilities and capital
  • $309,581Total liabilities
  • $282,913Total deposits
  • $309,581Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $18,000Trading liabilities
  • $0Other borrowed funds
  • $1,107Subordinated debt
  • $35,657All other liabilities
  • $35,657Total equity capital
  • $35,657Total bank equity capital
  • $0Perpetual preferred stock
  • $5Common stock
  • $8,195Surplus
  • $27,457Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $12,059Income earned, not collected on loans
  • $0Earning assets
  • $1,343Long-term assets (5+ years)
  • $338,032Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $364,722Volatile liabilities
  • $364,027Insider loans
  • $268,669FHLB advances
  • $363,951Loans and leases held for sale
  • $6,944Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $35,421Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $33,244Restructured Loans and leases
  • $2,722Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $17,587Total interest income
  • $4,189Total interest expense
  • $13,398Net interest income
  • $5,361Provision for loan and lease losses
  • $2,580Total noninterest income
  • $0Fiduciary activities
  • $59Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,521Additional noninterest income
  • $9,882Total noninterest expense
  • $5,515Salaries and employee benefits
  • $1,863Premises and equipment expense
  • $2,504Additional noninterest expense
  • $735Pre-tax net operating income
  • $54Securities gains (losses)
  • $195Applicable income taxes
  • $594Income before extraordinary items
  • $0Extraordinary gains - net
  • $594Net income attributable to bank
  • $0Net charge-offs
  • $594Cash dividends
  • $4,462Sale, conversion, retirement of capital stock, net
  • $155Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.20%Yield on earning assets
  • 1.24%Cost of funding earning assets
  • 3.96%Net interest margin
  • 0.76%Noninterest income to earning assets
  • 2.92%Noninterest expense to earning assets
  • 0.15%Net operating income to assets
  • 0.16%Return on assets (ROA)
  • 0.22%Pretax return on assets
  • 1.66%Return on equity (ROE)
  • 1.23%Retained earnings to average equity (YTD only)
  • 1.40%Net charge-offs to loans
  • 120.15%Credit loss provision to net charge-offs
  • 1.37%Efficiency ratio
  • 61,848Assets per employee
  • 3.96%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 26.09%Loss allowance to loans
  • 1.72%Loss allowance to noncurrent loans
  • 44.21%Noncurrent assets plus other real estate owned to assets
  • 3.79%Noncurrent loans to loans
  • 3.88%Net loans and leases to deposits
  • 98.58%Net loans and leases to core deposits
  • 108.93%Equity capital to assets
  • 9.79%Core capital (leverage) ratio
  • 9.73%Tier 1 risk-based capital ratio
  • 13.18%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $364,722Average earning assets
  • $35,730Average equity
  • $338,479Average loans

List of branches

  • 5 Indiana Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    07651Lafayette Savings Bank, Fsb101 Main Street, Lafayette, IN 47901June 26, 1869Full Service Brick and Mortar
    1226150Sagamore Parkway Branch1501 Sagamore Parkway North, Lafayette, IN 47905July 01, 1997Full Service Brick and Mortar
    2226151Twyckenham Boulevard Branch833 Twyckenham Boulevard, Lafayette, IN 47905July 01, 1997Full Service Brick and Mortar
    3226152Sagamore Parkway W. Lafayette Branch1020a Sagamore Parkway Center, West Lafayette, IN 47906July 01, 1997Full Service Brick and Mortar
    4446227State Road 38 East Branch3510 State Road 38 East, Lafayette, IN 47905April 23, 2001Full Service Brick and Mortar

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