Industrial Savings and Loan Association in Bellevue, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of July 01, 2001

  • Industrial Savings and Loan Association in Bellevue, Ohio (OH)
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Industrial Savings and Loan Association - Overview

  • 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

1992 - 1999 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, 2000)

  • Dollar figures in thousands
  • 94Total employees (full-time equivalent)
  • $427,503Total assets
  • $22,387Cash and due from depository institutions
  • $21,155Interest-bearing balances
  • $14,169Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $378,853Net loans & leases
  • $2,039Loan loss allowance
  • $0Trading account assets
  • $5,292Bank premises and fixed assets
  • $91Other real estate owned
  • $257Goodwill and other intangibles
  • $0Life insurance assets
  • $6,454All other assets
  • $427,503Total liabilities and capital
  • $388,850Total liabilities
  • $316,238Total deposits
  • $308,304Interest-bearing deposits
  • $316,238Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $67,300Other borrowed funds
  • $0Subordinated debt
  • $5,312All other liabilities
  • $38,653Total equity capital
  • $38,653Total bank equity capital
  • $38,653Perpetual preferred stock
  • $0Common stock
  • $1Surplus
  • $27,054Undivided profits
  • Memoranda
  • $11,598Noncurrent loans and leases
  • $29,800Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $2,189Earning assets
  • $0Long-term assets (5+ years)
  • $2,251Average Assets, year-to-date
  • $414,177Average Assets, quarterly
  • $0Volatile liabilities
  • $406,029Insider loans
  • $421,744FHLB advances
  • $130,248Loans and leases held for sale
  • $310Unused loan commitments
  • $50,000Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $29,800Total unused commitments
  • $0Restructured Loans and leases
  • $3,351Derivatives

Income and Expense (December 31, 2000)

  • Dollar figures in thousands
  • $32,517Total interest income
  • $18,314Total interest expense
  • $14,203Net interest income
  • $113Provision for loan and lease losses
  • $2,165Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,165Additional noninterest income
  • $7,643Total noninterest expense
  • $4,212Salaries and employee benefits
  • $1,282Premises and equipment expense
  • $2,149Additional noninterest expense
  • $8,612Pre-tax net operating income
  • $204Securities gains (losses)
  • $3,093Applicable income taxes
  • $5,723Income before extraordinary items
  • $0Extraordinary gains - net
  • $5,723Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $47Sale, conversion, retirement of capital stock, net
  • $5,500Net operating income

Performance and Condition Ratios (December 31, 2000)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.29%Yield on earning assets
  • 4.67%Cost of funding earning assets
  • 3.62%Net interest margin
  • 0.55%Noninterest income to earning assets
  • 1.95%Noninterest expense to earning assets
  • 1.38%Net operating income to assets
  • 1.41%Return on assets (ROA)
  • 2.17%Pretax return on assets
  • 14.68%Return on equity (ROE)
  • 0.57%Retained earnings to average equity (YTD only)
  • 0.01%Net charge-offs to loans
  • 240.43%Credit loss provision to net charge-offs
  • 185.64%Efficiency ratio
  • 46,695Assets per employee
  • 4.55%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 96.10%Loss allowance to loans
  • 0.54%Loss allowance to noncurrent loans
  • 93.15%Noncurrent assets plus other real estate owned to assets
  • 0.53%Noncurrent loans to loans
  • 0.57%Net loans and leases to deposits
  • 119.80%Net loans and leases to core deposits
  • 149.57%Equity capital to assets
  • 9.04%Core capital (leverage) ratio
  • 8.63%Tier 1 risk-based capital ratio
  • 13.66%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $406,029Average earning assets
  • $38,998Average equity
  • $392,439Average loans

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