Industrial Savings and Loan Association in Bellevue, Ohio (OH)
Table of contents:
| Industrial Savings and Loan Association | |
|---|---|
| General | FDIC Certificate #: 29020 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution: The Home Savings and Loan Company (#28114) Federal Reserve ID: 760779 Date Established: January 01, 1889 Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) OTS Docket #: 2775 FDIC's unique #: 41854 Numeric code: 35 Regulator: OTS Insurance Fund Membership: Savings Association Insurance Fund (SAIF) FDIC Insured: Yes SAIF Insured: Yes Insured Savings Institution: Yes State Chartered: Yes Date of Deposit Insurance: December 21, 1955 Last Structure Change Effective Date: July 01, 2001 Last Structure Change Process Date: July 12, 2001 Last Data Update: July 12, 2001 Data Source Date: April 05, 2012 |
| Location | Address: 211 North Sandusky Street, Bellevue, OH 44811 County: Huron Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Chicago FDIC Field Office: Columbus Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: Central Core Based Statistical Area (CBSA): Norwalk, OH (#35940) CBSA Micro Statistical Area: Yes |
| Financial Summary | Total assets: $423.0 mil |
| Assets and Liabilities (December 31, 2000) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 94 |
| Total assets | $427,503 |
| Cash and due from depository institutions | $22,387 |
| Interest-bearing balances | $21,155 |
| Securities | $14,169 |
| Federal funds sold & reverse repurchase agreements | $0 |
| Net loans & leases | $378,853 |
| Loan loss allowance | $2,039 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $5,292 |
| Other real estate owned | $91 |
| Goodwill and other intangibles | $257 |
| All other assets | $6,454 |
| Life insurance assets | $0 |
| Total liabilities and capital | $427,503 |
| Total liabilities | $388,850 |
| Total deposits | $316,238 |
| Interest-bearing deposits | $308,304 |
| Deposits held in domestic offices | $316,238 |
| % insured (estimated) | 0.00% |
| Federal funds purchased & repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $67,300 |
| Subordinated debt | $0 |
| All other liabilities | $5,312 |
| Total equity capital | $38,653 |
| Total bank equity capital | $38,653 |
| Perpetual preferred stock | $38,653 |
| Common stock | $0 |
| Surplus | $1 |
| Undivided profits | $27,054 |
| Memoranda | |
| Noncurrent loans and leases | $11,598 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $29,800 |
| Income earned, not collected on loans | $0 |
| Earning assets | $2,189 |
| Long-term assets (5+ years) | $0 |
| Average Assets, year-to-date | $2,251 |
| Average Assets, quarterly | $414,177 |
| Volatile liabilities | $0 |
| Insider loans | $406,029 |
| FHLB advances | $421,744 |
| Loans and leases held for sale | $130,248 |
| Unused loan commitments | $310 |
| Tier 1 (core) risk-based capital | $50,000 |
| Tier 2 risk-based capital | $0 |
| Total risk weighted assets | $0 |
| Total unused commitments | $29,800 |
| Restructured Loans and leases | $0 |
| Derivatives | $3,351 |
| Income and Expense (December 31, 2000) (Dollar figures in thousands) | |
| Total interest income | $32,517 |
| Total interest expense | $18,314 |
| Net interest income | $14,203 |
| Provision for loan and lease losses | $113 |
| Total noninterest income | $2,165 |
| Fiduciary activities | $0 |
| Service charges on deposit accounts | $0 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $2,165 |
| Total noninterest expense | $7,643 |
| Salaries and employee benefits | $4,212 |
| Premises and equipment expense | $1,282 |
| Additional noninterest expense | $2,149 |
| Pre-tax net operating income | $8,612 |
| Securities gains (losses) | $204 |
| Applicable income taxes | $3,093 |
| Income before extraordinary items | $5,723 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | $5,723 |
| Net charge-offs | $0 |
| Cash dividends | $0 |
| Sale, conversion, retirement of capital stock, net | $47 |
| Net operating income | $5,500 |
| Performance and Condition Ratios (December 31, 2000) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 8.29% |
| Cost of funding earning assets | 4.67% |
| Net interest margin | 3.62% |
| Noninterest income to earning assets | 0.55% |
| Noninterest expense to earning assets | 1.95% |
| Net operating income to assets | 1.38% |
| Return on assets (ROA) | 1.41% |
| Pretax return on assets | 2.17% |
| Return on equity (ROE) | 14.68% |
| Retained earnings to average equity (YTD only) | 0.57% |
| Net charge-offs to loans | 0.01% |
| Credit loss provision to net charge-offs | 240.43% |
| Efficiency ratio | 185.64% |
| Assets per employee | $46,695 |
| Cash dividends to net income (YTD only) | 4.55% |
| Condition Ratios (%) | |
| Loss allowance to loans | 96.10% |
| Loss allowance to noncurrent loans | 0.54% |
| Noncurrent assets plus other real estate owned to assets | 93.15% |
| Noncurrent loans to loans | 0.53% |
| Net loans and leases to deposits | 0.57% |
| Net loans and leases to core deposits | 119.80% |
| Equity capital to assets | 149.57% |
| Core capital (leverage) ratio | 9.04% |
| Tier 1 risk-based capital ratio | 8.63% |
| Total risk-based capital ratio | 13.66% |
| Memoranda | |
| Average assets | $15 |
| Average earning assets | $406,029 |
| Average equity | $38,998 |
| Average loans | $392,439 |
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