The Equitable Savings and Loan Company in Cadiz, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • The Equitable Savings and Loan Company in Cadiz, Ohio (OH)
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The Equitable Savings and Loan Company - Overview

  • General
  • FDIC Certificate #: 29966
    Status: Active
    Federal Reserve ID: 910079
    Date Established: January 01, 1898
    WWW: http://www.equitablesavings.com
    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 #: 4440
    FDIC's unique #: 42800
    Numeric code: 36
    Regulator: FDIC
    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: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: January 16, 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: 114 South Main Street, Cadiz, OH 43907
    County: Harrison
    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
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $12.8 mil
    Equity capital: $2.8 mil
    Deposits held in domestic offices: $8.1 mil
    Return on assets (ROA): -0.05% (-$0.0 mil)
    Quarterly return on assets: -0.34% (-$0.0 mil)
    Return on Equity (ROE): -0.25% (-$0.0 mil)
    Quarterly return on equity: -1.60% (-$0.0 mil)
    Net income: -$0.0 mil
    Quarterly Net income: -$0.0 mil
    Pretax return on assets: -0.05% (-$6.4 mil)
    Quarterly Pretax return on assets: -0.34% (-$43.4 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
  • 4Total employees (full-time equivalent)
  • $12,761Total assets
  • $2,237Cash and due from depository institutions
  • $1,967Interest-bearing balances
  • $3,936Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $6,016Net loans & leases
  • $72Loan loss allowance
  • $0Trading account assets
  • $137Bank premises and fixed assets
  • $35Other real estate owned
  • $0Goodwill and other intangibles
  • $12,761Life insurance assets
  • $400All other assets
  • $10,011Total liabilities and capital
  • $8,103Total liabilities
  • $8,103Total deposits
  • $8,103Interest-bearing deposits
  • $100Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,850Trading liabilities
  • $0Other borrowed funds
  • $58Subordinated debt
  • $2,750All other liabilities
  • $2,750Total equity capital
  • $2,750Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $2,750Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $355Income earned, not collected on loans
  • $0Earning assets
  • $63Long-term assets (5+ years)
  • $11,919Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $12,936Volatile liabilities
  • $12,919Insider loans
  • $6,509FHLB advances
  • $12,762Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $2,751Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $611Restructured Loans and leases
  • $162Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $581Total interest income
  • $173Total interest expense
  • $408Net interest income
  • $0Provision for loan and lease losses
  • $25Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $25Additional noninterest income
  • $440Total noninterest expense
  • $228Salaries and employee benefits
  • $96Premises and equipment expense
  • $116Additional noninterest expense
  • -$7Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • -$7Income before extraordinary items
  • $0Extraordinary gains - net
  • -$7Net income attributable to bank
  • $0Net charge-offs
  • -$7Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.79%Yield on earning assets
  • 1.43%Cost of funding earning assets
  • 3.36%Net interest margin
  • 0.21%Noninterest income to earning assets
  • 3.62%Noninterest expense to earning assets
  • -0.05%Net operating income to assets
  • -0.05%Return on assets (ROA)
  • -0.05%Pretax return on assets
  • -0.25%Return on equity (ROE)
  • -0.25%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 101,617Assets per employee
  • 3.19%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.18%Loss allowance to noncurrent loans
  • 20.28%Noncurrent assets plus other real estate owned to assets
  • 3.06%Noncurrent loans to loans
  • 5.83%Net loans and leases to deposits
  • 74.24%Net loans and leases to core deposits
  • 76.10%Equity capital to assets
  • 21.55%Core capital (leverage) ratio
  • 21.56%Tier 1 risk-based capital ratio
  • 42.26%Total risk-based capital ratio
  • Memoranda
  • $43Average assets
  • $12,936Average earning assets
  • $2,762Average equity
  • $12,139Average loans

List of branches

  • 1 Ohio Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    042800The Equitable Savings And Loan Compa114 South Main Street, Cadiz, OH 43907January 01, 1898Full Service Brick and Mortar

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