First Federal Savings and Loan Association in Delta, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • First Federal Savings and Loan Association in Delta, Ohio (OH)
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First Federal Savings and Loan Association - Overview

  • General
  • FDIC Certificate #: 29345
    Status: Active
    Federal Reserve ID: 80374
    Date Established: January 01, 1934
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 6 (Domestic: 6, Interstate: No)
    OTS Docket #: 3313
    FDIC's unique #: 42179
    Numeric code: 37
    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: March 02, 1935
    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: 404 Main Street, Delta, OH 43515
    County: Fulton
    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
    Metropolitan Statistical Area (MSA): Toledo, OH (#8400)
    Combined Statistical Area (CSA): Toledo-Fremont, OH (#534)
    Core Based Statistical Area (CBSA): Toledo, OH (#45780)
    CBSA Metro Statistical Area: Toledo, OH (#45780)
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $162.4 mil
    Equity capital: $18.5 mil
    Deposits held in domestic offices: $143.2 mil
    Return on assets (ROA): 0.12% ($0.2 mil)
    Quarterly return on assets: 0.07% ($0.1 mil)
    Return on Equity (ROE): 1.04% ($0.2 mil)
    Quarterly return on equity: 0.58% ($0.1 mil)
    Net income: $0.2 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.12% ($194.8 mil)
    Quarterly Pretax return on assets: 0.04% ($64.9 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
  • 46Total employees (full-time equivalent)
  • $162,360Total assets
  • $65,896Cash and due from depository institutions
  • $62,142Interest-bearing balances
  • $3Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $86,312Net loans & leases
  • $353Loan loss allowance
  • $0Trading account assets
  • $1,556Bank premises and fixed assets
  • $337Other real estate owned
  • $0Goodwill and other intangibles
  • $162,360Life insurance assets
  • $8,256All other assets
  • $143,839Total liabilities and capital
  • $143,154Total liabilities
  • $122,125Total deposits
  • $143,154Interest-bearing deposits
  • $99Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $685Subordinated debt
  • $18,521All other liabilities
  • $18,521Total equity capital
  • $18,521Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $18,521Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $588Income earned, not collected on loans
  • $0Earning assets
  • $398Long-term assets (5+ years)
  • $148,457Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $156,302Volatile liabilities
  • $159,231Insider loans
  • $67,922FHLB advances
  • $162,360Loans and leases held for sale
  • $5,422Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $18,521Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $4,478Restructured Loans and leases
  • $269Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,168Total interest income
  • $772Total interest expense
  • $4,396Net interest income
  • $0Provision for loan and lease losses
  • $539Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $539Additional noninterest income
  • $4,755Total noninterest expense
  • $2,570Salaries and employee benefits
  • $998Premises and equipment expense
  • $1,187Additional noninterest expense
  • $180Pre-tax net operating income
  • $0Securities gains (losses)
  • -$11Applicable income taxes
  • $191Income before extraordinary items
  • $0Extraordinary gains - net
  • $191Net income attributable to bank
  • $0Net charge-offs
  • $191Cash dividends
  • $1Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.61%Yield on earning assets
  • 0.54%Cost of funding earning assets
  • 3.07%Net interest margin
  • 0.38%Noninterest income to earning assets
  • 3.32%Noninterest expense to earning assets
  • 0.12%Net operating income to assets
  • 0.12%Return on assets (ROA)
  • 0.12%Pretax return on assets
  • 1.04%Return on equity (ROE)
  • 1.04%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 180.00%Efficiency ratio
  • 96,353Assets per employee
  • 3.53%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.41%Loss allowance to noncurrent loans
  • 60.03%Noncurrent assets plus other real estate owned to assets
  • 0.57%Noncurrent loans to loans
  • 0.68%Net loans and leases to deposits
  • 60.29%Net loans and leases to core deposits
  • 60.70%Equity capital to assets
  • 11.41%Core capital (leverage) ratio
  • 11.41%Tier 1 risk-based capital ratio
  • 27.27%Total risk-based capital ratio
  • Memoranda
  • $28Average assets
  • $156,302Average earning assets
  • $18,449Average equity
  • $143,344Average loans

List of branches

  • 6 Ohio Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    042179First Federal Savings And Loan Assoc404 Main Street, Delta, OH 43515January 01, 1934Full Service Brick and Mortar
    1274735123 N Main St Branch123 N Main St, Swanton, OH 43558January 01, 1934Full Service Brick and Mortar
    2274736Holland-Sylvania Branch3234 North Holland Sylvania Road, Toledo, OH 43615January 01, 1934Full Service Brick and Mortar
    327473730 South Third St Branch30 South Third St, Waterville, OH 43566January 01, 1934Full Service Brick and Mortar
    1002747386910 Airport Highway Branch6910 Airport Highway, Holland, OH 43528January 01, 1934Full Service Brick and Mortar
    101274739Providence Branch6600 Providence Street, Whitehouse, OH 43571June 30, 1985Full Service Brick and Mortar

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