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Terminology Financial Terms and Acronyms
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187 results. (Showing 1 - 20)   

1. S and L
Short for savings and loan association. Also S&L.

2. safe deposit box
A container in a secure vault that is rented to an individual or organization for the safekeeping of valuables.

3. safety and soundness exam
An examination of a thrift institution's financial strength and operating policies and procedures to determine whether the institution is being run in a safe and sound manner.

4. sale
The transfer of ownership of an item or the entitlement to a service in exchange for money.

5. sale-buyback
A financing arrangement in which the developer sells a property to an investor and then buys it back under a long-term sales contract.

6. sale-leaseback
An arrangement in which a seller deeds property to a buyer for cash or other consideration, and the buyer simultaneously leases the property back to the seller, usually on a long-term basis.

7. sales
The income received when goods or services are sold.

8. Sallie Mae
Nickname for the Student Loan Marketing Association.

9. satisfaction of mortgage
The recordable instrument given by the lender that evidences payment in full of the mortgage debt. Also known as a release deed.

10. save
To put aside a portion of income, deferring its consumption until a future date.

11. savings
The total accumulated amount of income that is not spent on consumption.

12. savings account
An account maintained by a customer with a depository institution for the purpose of accumulating funds over a period of time. Funds deposited in a savings account may be withdrawn only by the account owner or a duly authorized agent, or on the owner's nontransferable order. The account may be owned by one or more persons. Some accounts require funds to be kept on deposit for a minimum length of time, while others permit unlimited access to funds. Earnings may be in the form of dividends, as in the case of a share type savings account, or interest as in the case of a deposit type account.

13. savings account loan
A loan secured by funds on deposit in a savings account, normally maintained at the lending institution. Funds in the savings account equal to the amount of outstanding principal of the loan, may not be withdrawn.

14. savings and loan association
An association of savers and borrowers formally established to accept deposits and make loans, primarily on residential real estate. An association may be organized as a mutual or a stock association. A mutual association is owned by its depositors and, in some cases, its borrowers. A stock association is owned by its shareholders. A savings and loan association may be chartered by a state or receive a federal charter from the Office of Thrift Supervision. Savings and loan associations are also called S&Ls, savings associations, building and loan associations, cooperative banks, or homestead societies.

15. savings association

16. Savings Association Insurance Fund (SAIF )
The fund that provides deposit insurance for savings institutions. SAIF was authorized by Congress in 1989 to take over the thrift deposit insurance role held by the former Federal Savings and Loan Insurance Corporation (FSLIC). SAIF is administered by the Federal Deposit Insurance Corporation (FDIC).

17. Savings Association Trade Executive
An organization made up of executives from state savings and loan trade associations.

18. savings bank
A financial intermediary that accepts savings deposits and invests these funds in loans primarily for commercial and residential real estate, plus investments in government and high quality corporate bonds and blue chip stock. Savings banks may be state-or federally chartered and insured by the SAIF or the FDIC. In 1982, Congress removed all differences between federally chartered savings banks and federally chartered savings and loan associations as to the kinds of loans and investments they can make.

19. savings certificate
A document that is evidence of ownership of a savings account, typically an account in which a stated amount of funds is deposited for a fixed term.

20. savings flow
The net increase or decrease of the total of all savings account balances held by a savings institution during a specified period of time.

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