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
No
ID
Name
Address
Established
Service Type
Map
0
42800
The Equitable Savings And Loan Compa
114 South Main Street, Cadiz, OH 43907
January 01, 1898
Full Service Brick and Mortar
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