FDIC Certificate #: 35518 Status: Active Federal Reserve ID: 2806877 Date Established: July 03, 2000 WWW:http://www.thefederalsavingsbank.com 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 #: 16195 FDIC's unique #: 81171 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: Mortgage Lending Specialization Date of Deposit Insurance: July 03, 2000 Last Structure Change Effective Date: March 08, 2012 Last Structure Change Process Date: March 08, 2012 Last Data Update: March 08, 2012 Data Source Date: April 05, 2012
Location
Address: 7900 College Boulevard, Overland Park, KS 66210 County: Johnson Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Kansas City Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: Western Metropolitan Statistical Area (MSA): Kansas City, MO-KS (#3760) Combined Statistical Area (CSA): Kansas City-Overland Park-Kansas City, MO-KS (#312) Core Based Statistical Area (CBSA): Kansas City, MO-KS (#28140) CBSA Metro Statistical Area: Kansas City, MO-KS (#28140)
History of Changes
Change in Geographic Region/Area/Territory/Field Office
Financial Summary
Total assets: $72.8 mil Equity capital: $6.8 mil Deposits held in domestic offices: $49.3 mil Return on assets (ROA): 6.94% ($5.1 mil) Quarterly return on assets: 4.46% ($3.3 mil) Return on Equity (ROE): 67.99% ($4.8 mil) Quarterly return on equity: 40.44% ($2.8 mil) Net income: $3.5 mil Quarterly Net income: $0.7 mil Pretax return on assets: 6.94% ($5,055.7 mil) Quarterly Pretax return on assets: 4.46% ($3,249.0 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ 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
38Total employees (full-time equivalent)
$72,848Total assets
$1,919Cash and due from depository institutions
$1,851Interest-bearing balances
$13,172Securities
$227Federal funds sold & reverse repurchase agreements
$54,506Net loans & leases
$175Loan loss allowance
$0Trading account assets
$163Bank premises and fixed assets
$588Other real estate owned
$29Goodwill and other intangibles
$72,848Life insurance assets
$2,244All other assets
$66,020Total liabilities and capital
$49,311Total liabilities
$49,012Total deposits
$49,311Interest-bearing deposits
$99Deposits held in domestic offices
1000.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$15,200Trading liabilities
$0Other borrowed funds
$509Subordinated debt
$6,828All other liabilities
$6,828Total equity capital
$6,828Total bank equity capital
$0Perpetual preferred stock
$80Common stock
$2,926Surplus
$3,822Undivided profits
Memoranda
$0Noncurrent loans and leases
$36,656Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$27Income earned, not collected on loans
$0Earning assets
$145Long-term assets (5+ years)
$69,756Average Assets, year-to-date
$52,644Average Assets, quarterly
$50,117Volatile liabilities
$59,155Insider loans
$43,116FHLB advances
$53,474Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$6,457Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,047Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,525Total interest income
$304Total interest expense
$1,221Net interest income
$750Provision for loan and lease losses
$5,962Total noninterest income
$0Fiduciary activities
$7Service charges on deposit accounts
$0Trading account gains & fees
$5,955Additional noninterest income
$3,273Total noninterest expense
$1,751Salaries and employee benefits
$124Premises and equipment expense
$1,398Additional noninterest expense
$3,160Pre-tax net operating income
$320Securities gains (losses)
$0Applicable income taxes
$3,480Income before extraordinary items
$0Extraordinary gains - net
$3,480Net income attributable to bank
$0Net charge-offs
$3,480Cash dividends
$575Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.15%Yield on earning assets
0.63%Cost of funding earning assets
2.52%Net interest margin
12.30%Noninterest income to earning assets
6.75%Noninterest expense to earning assets
6.31%Net operating income to assets
6.94%Return on assets (ROA)
6.94%Pretax return on assets
67.99%Return on equity (ROE)
67.99%Retained earnings to average equity (YTD only)
1.95%Net charge-offs to loans
130.43%Credit loss provision to net charge-offs
6.80%Efficiency ratio
45,427Assets per employee
1.92%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.32%Loss allowance to noncurrent loans
648.15%Noncurrent assets plus other real estate owned to assets
0.84%Noncurrent loans to loans
0.05%Net loans and leases to deposits
110.54%Net loans and leases to core deposits
114.58%Equity capital to assets
9.37%Core capital (leverage) ratio
12.08%Tier 1 risk-based capital ratio
14.98%Total risk-based capital ratio
Memoranda
$15Average assets
$50,117Average earning assets
$5,118Average equity
$48,461Average loans
List of branches
1 Kansas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
81171
The Federal Savings Bank
7900 College Boulevard, Overland Park, KS 66210
July 03, 2000
Full Service Brick and Mortar
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