Greenville Federal in Greenville, Ohio (OH)



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Greenville Federal
GeneralFDIC Certificate #: 27965
Status: Active
Federal Reserve ID: 567679
Date Established: January 01, 1883
WWW: http://www.greenvillefederal.com
Trust Powers Granted: No
Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
Offices: 2 (Domestic: 2, Interstate: No)
OTS Docket #: 641
FDIC's unique #: 40799
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: November 13, 1942
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: 690 Wagner Avenue, Greenville, OH 45331
County: Darke
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
Combined Statistical Area (CSA): Dayton-Springfield-Greenville, OH (#212)
Core Based Statistical Area (CBSA): Greenville, OH (#24820)
CBSA Micro Statistical Area: Yes
History of ChangesChange in Primary Regulatory Agency
Financial SummaryTotal assets: $138.8 mil
Equity capital: $14.5 mil
Deposits held in domestic offices: $109.1 mil
Return on assets (ROA): 0.79% ($1.1 mil)
Quarterly return on assets: 0.94% ($1.3 mil)
Return on Equity (ROE): 8.22% ($1.2 mil)
Quarterly return on equity: 9.50% ($1.3 mil)
Net income: $1.0 mil
Quarterly Net income: $0.3 mil
Pretax return on assets: 1.14% ($1,582.6 mil)
Quarterly Pretax return on assets: 1.37% ($1,901.9 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)37
Total assets$138,822
Cash and due from depository institutions$7,386
Interest-bearing balances$4,993
Securities$7,202
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$114,899
Loan loss allowance $504
Trading account assets$0
Bank premises and fixed assets$1,795
Other real estate owned$108
Goodwill and other intangibles$28
All other assets$7,404
Life insurance assets$138,822
Total liabilities and capital$124,364
Total liabilities$109,084
Total deposits$100,963
Interest-bearing deposits$109,084
Deposits held in domestic offices$86
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$14,524
Other borrowed funds $0
Subordinated debt $756
All other liabilities $14,458
Total equity capital$14,458
Total bank equity capital$14,458
Perpetual preferred stock$0
Common stock$1
Surplus$2,000
Undivided profits $12,457
Memoranda
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 $614
Earning assets $0
Long-term assets (5+ years) $396
Average Assets, year-to-date $127,094
Average Assets, quarterly $0
Volatile liabilities $130,386
Insider loans $135,505
FHLB advances $85,410
Loans and leases held for sale $138,514
Unused loan commitments $4,508
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $14,150
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $6,383
Derivatives$1,104
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $6,024
Total interest expense $1,636
Net interest income $4,388
Provision for loan and lease losses $125
Total noninterest income $793
Fiduciary activities $0
Service charges on deposit accounts $46
Trading account gains & fees $0
Additional noninterest income $747
Total noninterest expense $3,792
Salaries and employee benefits $2,069
Premises and equipment expense $783
Additional noninterest expense $940
Pre-tax net operating income $1,264
Securities gains (losses) $221
Applicable income taxes $459
Income before extraordinary items $1,026
Extraordinary gains - net $0
Net income attributable to bank $1,026
Net charge-offs $0
Cash dividends $1,026
Sale, conversion, retirement of capital stock, net $183
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 assets5.06%
Cost of funding earning assets 1.38%
Net interest margin 3.69%
Noninterest income to earning assets 0.67%
Noninterest expense to earning assets 3.19%
Net operating income to assets 0.67%
Return on assets (ROA) 0.79%
Pretax return on assets 1.14%
Return on equity (ROE) 8.22%
Retained earnings to average equity (YTD only) 8.22%
Net charge-offs to loans 0.17%
Credit loss provision to net charge-offs 68.31%
Efficiency ratio7.59%
Assets per employee$73,191
Cash dividends to net income (YTD only)3.75%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 0.44%
Noncurrent assets plus other real estate owned to assets 82.08%
Noncurrent loans to loans 0.52%
Net loans and leases to deposits0.53%
Net loans and leases to core deposits 105.33%
Equity capital to assets 124.21%
Core capital (leverage) ratio 10.41%
Tier 1 risk-based capital ratio 10.22%
Total risk-based capital ratio 16.57%
Memoranda
Average assets$17
Average earning assets$130,386
Average equity $12,476
Average loans $118,979
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2 Ohio Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
040799Greenville Federal690 Wagner Avenue, Greenville, OH 45331January 01, 1883Full Service Brick and Mortar
2464486Lease Avenue Branch100 Lease Avenue, Greenville, OH 45331October 27, 2000Full Service Brick and Mortar
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