Terre Haute Savings Bank in Terre Haute, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Terre Haute Savings Bank in Terre Haute, Indiana (IN)
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Terre Haute Savings Bank routing number info

Terre Haute Savings Bank - Overview

  • General
  • FDIC Certificate #: 17736
    Status: Active
    Federal Reserve ID: 697147
    Bank Holding Company (Regulatory Top Holder): Terre Haute Savings Mhc, Inc. (RSSDID: 2861773, Location: Terre Haute, IN)
    Date Established: December 01, 1869
    WWW: http://www.thsb.com
    Trust Powers Granted: Yes
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 7 (Domestic: 7, Interstate: No)
    OTS Docket #: 10938
    FDIC's unique #: 11693
    Numeric code: 41
    Regulator: FDIC
    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: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: March 28, 1957
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 533 Ohio Street, Terre Haute, IN 47808
    County: Vigo
    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): Terre Haute, IN (#8320)
    Core Based Statistical Area (CBSA): Terre Haute, IN (#45460)
    CBSA Metro Statistical Area: Terre Haute, IN (#45460)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $294.4 mil
    Equity capital: $26.4 mil
    Deposits held in domestic offices: $226.9 mil
    Return on assets (ROA): 0.26% ($0.8 mil)
    Quarterly return on assets: 0.22% ($0.6 mil)
    Return on Equity (ROE): 2.93% ($0.8 mil)
    Quarterly return on equity: 2.46% ($0.6 mil)
    Net income: $0.8 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.37% ($1,089.2 mil)
    Quarterly Pretax return on assets: 0.29% ($853.7 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
  • 83Total employees (full-time equivalent)
  • $294,366Total assets
  • $12,725Cash and due from depository institutions
  • $7,164Interest-bearing balances
  • $60,721Securities
  • $6,750Federal funds sold & reverse repurchase agreements
  • $192,205Net loans & leases
  • $2,742Loan loss allowance
  • $0Trading account assets
  • $10,187Bank premises and fixed assets
  • $799Other real estate owned
  • $105Goodwill and other intangibles
  • $294,366Life insurance assets
  • $10,874All other assets
  • $267,989Total liabilities and capital
  • $226,916Total liabilities
  • $207,340Total deposits
  • $226,916Interest-bearing deposits
  • $73Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $39,750Trading liabilities
  • $0Other borrowed funds
  • $1,323Subordinated debt
  • $26,377All other liabilities
  • $26,377Total equity capital
  • $26,377Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $12,000Surplus
  • $14,377Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,899Income earned, not collected on loans
  • $0Earning assets
  • $967Long-term assets (5+ years)
  • $266,840Average Assets, year-to-date
  • $128,402Average Assets, quarterly
  • $291,239Volatile liabilities
  • $291,690Insider loans
  • $179,713FHLB advances
  • $285,652Loans and leases held for sale
  • $6,227Unused loan commitments
  • $6,227Tier 1 (core) risk-based capital
  • $24,779Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $28,793Restructured Loans and leases
  • $2,309Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $12,005Total interest income
  • $3,474Total interest expense
  • $8,531Net interest income
  • $920Provision for loan and lease losses
  • $2,060Total noninterest income
  • $482Fiduciary activities
  • $661Service charges on deposit accounts
  • $0Trading account gains & fees
  • $917Additional noninterest income
  • $8,580Total noninterest expense
  • $4,253Salaries and employee benefits
  • $1,254Premises and equipment expense
  • $3,073Additional noninterest expense
  • $1,091Pre-tax net operating income
  • $1Securities gains (losses)
  • $335Applicable income taxes
  • $757Income before extraordinary items
  • $0Extraordinary gains - net
  • $757Net income attributable to bank
  • $0Net charge-offs
  • $757Cash dividends
  • $407Sale, conversion, retirement of capital stock, net
  • $34Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.52%Yield on earning assets
  • 1.31%Cost of funding earning assets
  • 3.21%Net interest margin
  • 0.77%Noninterest income to earning assets
  • 3.23%Noninterest expense to earning assets
  • 0.26%Net operating income to assets
  • 0.26%Return on assets (ROA)
  • 0.37%Pretax return on assets
  • 2.93%Return on equity (ROE)
  • 2.80%Retained earnings to average equity (YTD only)
  • 0.20%Net charge-offs to loans
  • 226.04%Credit loss provision to net charge-offs
  • 4.94%Efficiency ratio
  • 81,012Assets per employee
  • 3.55%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 4.49%Loss allowance to loans
  • 1.41%Loss allowance to noncurrent loans
  • 70.33%Noncurrent assets plus other real estate owned to assets
  • 1.60%Noncurrent loans to loans
  • 2.00%Net loans and leases to deposits
  • 84.70%Net loans and leases to core deposits
  • 90.92%Equity capital to assets
  • 8.96%Core capital (leverage) ratio
  • 8.67%Tier 1 risk-based capital ratio
  • 13.79%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $291,239Average earning assets
  • $25,845Average equity
  • $265,846Average 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
  • $119,287Managed Assets
  • 1Number of Accounts
  • $95,583Personal trust and agency accounts
  • $20,715Employee benefit-defined contribution accounts
  • $1,350Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $2,606Corporate trust and agency accounts
  • $2,547Investment management agency accounts
  • $67,350Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $1,015Non-managed Assets
  • 194Number of Accounts
  • $0Personal trust and agency accounts
  • $2,606Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $23,704Other retirement accounts
  • $10,725Corporate trust and agency accounts
  • $3,413Other fiduciary accounts
  • $6,624Fiduciary accounts held in foreign offices

List of branches

  • 7 Indiana Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    011693Terre Haute Savings Bank533 Ohio Street, Terre Haute, IN 47808December 01, 1869Full Service Brick and Mortar
    1358921Us Highway 41 Branch4729 South Us Highway 41, Terre Haute, IN 47802September 25, 2000Full Service Brick and Mortar
    2429988Riley Branch7345 S. State Road 46, Terre Haute, IN 47802June 24, 2004Full Service Brick and Mortar
    3465858North Banking Center Branch1820 Lafayette Ave, Terre Haute, IN 47804March 05, 2007Full Service Brick and Mortar
    4465859Brazil Banking Center Branch260 E. National Ave, Brazil, IN 47834March 07, 2007Full Service Brick and Mortar
    5521513Poplar Street Branch2503 Poplar Street, Terre Haute, IN 47803June 20, 2011Full Service Brick and Mortar
    6521514Westminster Branch1120 E Davis Drive, Terre Haute, IN 47802May 18, 2011Full Service Brick and Mortar

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