Merrill Federal Savings and Loan Association in Merrill, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Merrill Federal Savings and Loan Association in Merrill, Wisconsin (WI)
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Merrill Federal Savings and Loan Association - Overview

  • General
  • FDIC Certificate #: 30120
    Status: Active
    Federal Reserve ID: 929174
    Date Established: January 01, 1924
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 4783
    FDIC's unique #: 42954
    Numeric code: 38
    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: Commercial Lending Specialization
    Date of Deposit Insurance: Febuary 10, 1941
    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: 907 East Main St, Merrill, WI 54452
    County: Lincoln
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Appleton
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Combined Statistical Area (CSA): Wausau-Merrill, WI (#554)
    Core Based Statistical Area (CBSA): Merrill, WI (#32980)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $45.7 mil
    Equity capital: $4.7 mil
    Deposits held in domestic offices: $37.7 mil
    Return on assets (ROA): 0.82% ($0.4 mil)
    Quarterly return on assets: 0.91% ($0.4 mil)
    Return on Equity (ROE): 7.68% ($0.4 mil)
    Quarterly return on equity: 8.53% ($0.4 mil)
    Net income: $0.3 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.35% ($616.5 mil)
    Quarterly Pretax return on assets: 1.50% ($685.0 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
  • 10Total employees (full-time equivalent)
  • $45,665Total assets
  • $3,082Cash and due from depository institutions
  • $1,567Interest-bearing balances
  • $3Securities
  • $253Federal funds sold & reverse repurchase agreements
  • $41,301Net loans & leases
  • $532Loan loss allowance
  • $0Trading account assets
  • $243Bank premises and fixed assets
  • $69Other real estate owned
  • $0Goodwill and other intangibles
  • $45,665Life insurance assets
  • $714All other assets
  • $40,928Total liabilities and capital
  • $37,708Total liabilities
  • $33,443Total deposits
  • $37,708Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $3,000Trading liabilities
  • $0Other borrowed funds
  • $220Subordinated debt
  • $4,737All other liabilities
  • $4,737Total equity capital
  • $4,737Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $4,737Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $34Income earned, not collected on loans
  • $0Earning assets
  • $137Long-term assets (5+ years)
  • $43,124Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $42,653Volatile liabilities
  • $44,134Insider loans
  • $27,086FHLB advances
  • $45,664Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $4,736Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $5,993Restructured Loans and leases
  • $815Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,120Total interest income
  • $382Total interest expense
  • $1,738Net interest income
  • $70Provision for loan and lease losses
  • $79Total noninterest income
  • $0Fiduciary activities
  • $3Service charges on deposit accounts
  • $0Trading account gains & fees
  • $76Additional noninterest income
  • $1,173Total noninterest expense
  • $675Salaries and employee benefits
  • $268Premises and equipment expense
  • $230Additional noninterest expense
  • $574Pre-tax net operating income
  • $0Securities gains (losses)
  • $224Applicable income taxes
  • $350Income before extraordinary items
  • $0Extraordinary gains - net
  • $350Net income attributable to bank
  • $0Net charge-offs
  • $350Cash dividends
  • $29Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.30%Yield on earning assets
  • 0.95%Cost of funding earning assets
  • 4.34%Net interest margin
  • 0.20%Noninterest income to earning assets
  • 2.93%Noninterest expense to earning assets
  • 0.82%Net operating income to assets
  • 0.82%Return on assets (ROA)
  • 1.35%Pretax return on assets
  • 7.68%Return on equity (ROE)
  • 7.68%Retained earnings to average equity (YTD only)
  • 0.07%Net charge-offs to loans
  • 241.38%Credit loss provision to net charge-offs
  • 22.21%Efficiency ratio
  • 64,557Assets per employee
  • 4.57%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.27%Loss allowance to noncurrent loans
  • 1564.71%Noncurrent assets plus other real estate owned to assets
  • 0.07%Noncurrent loans to loans
  • 0.08%Net loans and leases to deposits
  • 109.53%Net loans and leases to core deposits
  • 133.41%Equity capital to assets
  • 10.37%Core capital (leverage) ratio
  • 10.37%Tier 1 risk-based capital ratio
  • 17.49%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $42,653Average earning assets
  • $4,555Average equity
  • $40,031Average loans

List of branches

  • 1 Wisconsin Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    042954Merrill Federal Savings And Loan Ass907 East Main St, Merrill, WI 54452January 01, 1924Full Service Brick and Mortar

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