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

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First Federal Savings and Loan Association
GeneralFDIC 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
LocationAddress: 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 ChangesChange in Primary Regulatory Agency
Financial SummaryTotal 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)
Total employees (full-time equivalent)46
Total assets$162,360
Cash and due from depository institutions$65,896
Interest-bearing balances$62,142
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$86,312
Loan loss allowance $353
Trading account assets$0
Bank premises and fixed assets$1,556
Other real estate owned$337
Goodwill and other intangibles$0
All other assets$8,256
Life insurance assets$162,360
Total liabilities and capital$143,839
Total liabilities$143,154
Total deposits$122,125
Interest-bearing deposits$143,154
Deposits held in domestic offices$99
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $685
All other liabilities $18,521
Total equity capital$18,521
Total bank equity capital$18,521
Perpetual preferred stock$0
Common stock$0
Undivided profits $18,521
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $588
Earning assets $0
Long-term assets (5+ years) $398
Average Assets, year-to-date $148,457
Average Assets, quarterly $0
Volatile liabilities $156,302
Insider loans $159,231
FHLB advances $67,922
Loans and leases held for sale $162,360
Unused loan commitments $5,422
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $18,521
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $4,478
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $5,168
Total interest expense $772
Net interest income $4,396
Provision for loan and lease losses $0
Total noninterest income $539
Fiduciary activities $0
Service charges on deposit accounts $0
Trading account gains & fees $0
Additional noninterest income $539
Total noninterest expense $4,755
Salaries and employee benefits $2,570
Premises and equipment expense $998
Additional noninterest expense $1,187
Pre-tax net operating income $180
Securities gains (losses) $0
Applicable income taxes -$11
Income before extraordinary items $191
Extraordinary gains - net $0
Net income attributable to bank $191
Net charge-offs $0
Cash dividends $191
Sale, conversion, retirement of capital stock, net $1
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets3.61%
Cost of funding earning assets 0.54%
Net interest margin 3.07%
Noninterest income to earning assets 0.38%
Noninterest expense to earning assets 3.32%
Net operating income to assets 0.12%
Return on assets (ROA) 0.12%
Pretax return on assets 0.12%
Return on equity (ROE) 1.04%
Retained earnings to average equity (YTD only) 1.04%
Net charge-offs to loans 0.00%
Credit loss provision to net charge-offs 0.00%
Efficiency ratio180.00%
Assets per employee$96,353
Cash dividends to net income (YTD only)3.53%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 0.41%
Noncurrent assets plus other real estate owned to assets 60.03%
Noncurrent loans to loans 0.57%
Net loans and leases to deposits0.68%
Net loans and leases to core deposits 60.29%
Equity capital to assets 60.70%
Core capital (leverage) ratio 11.41%
Tier 1 risk-based capital ratio 11.41%
Total risk-based capital ratio 27.27%
Average assets$28
Average earning assets$156,302
Average equity $18,449
Average loans $143,344
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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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