The Wilmington Savings Bank in Wilmington, Ohio (OH)



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The Wilmington Savings Bank routing number info

Table of contents:
The Wilmington Savings Bank
GeneralFDIC Certificate #: 31539
Status: Active
Federal Reserve ID: 87476
Date Established: January 01, 1890
WWW: http://www.wilmingtonsavings.com
Trust Powers Granted: No
Bank Charter Class: Savings banks, state charter, supervised by the FDIC
Offices: 1 (Domestic: 1, Interstate: No)
OTS Docket #: 7147
FDIC's unique #: 44373
Numeric code: 42
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: Commercial Lending Specialization
Date of Deposit Insurance: November 09, 1967
Last Structure Change Effective Date: April 03, 2012
Last Structure Change Process Date: April 03, 2012
Last Data Update: April 03, 2012
Data Source Date: April 05, 2012
LocationAddress: 184 North South Street, Wilmington, OH 45177
County: Clinton
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Cincinnati
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Central
Combined Statistical Area (CSA): Cincinnati-Middletown-Wilmington, OH-KY-IN (#178)
Core Based Statistical Area (CBSA): Wilmington, OH (#48940)
CBSA Micro Statistical Area: Yes
Financial SummaryTotal assets: $208.3 mil
Equity capital: $30.1 mil
Deposits held in domestic offices: $139.9 mil
Return on assets (ROA): -1.70% (-$3.5 mil)
Quarterly return on assets: -1.30% (-$2.7 mil)
Return on Equity (ROE): -11.14% (-$3.3 mil)
Quarterly return on equity: -8.70% (-$2.6 mil)
Net income: -$3.5 mil
Quarterly Net income: -$0.7 mil
Pretax return on assets: -2.58% (-$5,373.2 mil)
Quarterly Pretax return on assets: -2.17% (-$4,519.4 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)
Total employees (full-time equivalent)17
Total assets$208,265
Cash and due from depository institutions$36,741
Interest-bearing balances$35,898
Securities$0
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$159,394
Loan loss allowance $10,199
Trading account assets$0
Bank premises and fixed assets$571
Other real estate owned$2,665
Goodwill and other intangibles$3
All other assets$8,891
Life insurance assets$208,265
Total liabilities and capital$178,207
Total liabilities$139,907
Total deposits$134,175
Interest-bearing deposits$139,907
Deposits held in domestic offices$95
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$37,649
Other borrowed funds $0
Subordinated debt $651
All other liabilities $30,058
Total equity capital$30,058
Total bank equity capital$30,058
Perpetual preferred stock$0
Common stock$0
Surplus$775
Undivided profits $29,283
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 $25,262
Earning assets $0
Long-term assets (5+ years) $780
Average Assets, year-to-date $195,292
Average Assets, quarterly $92,624
Volatile liabilities $206,328
Insider loans $203,393
FHLB advances $124,916
Loans and leases held for sale $209,824
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $28,982
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $5,729
Derivatives$447
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $10,129
Total interest expense $2,727
Net interest income $7,402
Provision for loan and lease losses $8,631
Total noninterest income $305
Fiduciary activities $0
Service charges on deposit accounts $87
Trading account gains & fees $0
Additional noninterest income $218
Total noninterest expense $4,390
Salaries and employee benefits $1,772
Premises and equipment expense $188
Additional noninterest expense $2,430
Pre-tax net operating income -$5,314
Securities gains (losses) $0
Applicable income taxes -$1,807
Income before extraordinary items -$3,507
Extraordinary gains - net $0
Net income attributable to bank -$3,507
Net charge-offs $0
Cash dividends -$3,507
Sale, conversion, retirement of capital stock, net $6,217
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 assets5.26%
Cost of funding earning assets 1.42%
Net interest margin 3.85%
Noninterest income to earning assets 0.16%
Noninterest expense to earning assets 2.28%
Net operating income to assets -1.70%
Return on assets (ROA) -1.70%
Pretax return on assets -2.58%
Return on equity (ROE) -11.14%
Retained earnings to average equity (YTD only) -11.14%
Net charge-offs to loans 3.45%
Credit loss provision to net charge-offs 138.83%
Efficiency ratio0.53%
Assets per employee$56,961
Cash dividends to net income (YTD only)12.25%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 6.01%
Noncurrent assets plus other real estate owned to assets 40.37%
Noncurrent loans to loans 13.41%
Net loans and leases to deposits14.90%
Net loans and leases to core deposits 113.93%
Equity capital to assets 161.87%
Core capital (leverage) ratio 14.43%
Tier 1 risk-based capital ratio 13.81%
Total risk-based capital ratio 23.20%
Memoranda
Average assets$25
Average earning assets$206,328
Average equity $31,475
Average loans $192,463
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Bank Assets Sold and Securitized (December 31, 2011)
(Dollar figures in thousands)
Principal balance with servicing or other recourse retained
1-4 family residential loans $262
Home equity lines$0
Credit cards receivables$0
Auto loans$0
Other consumer loans$0
Commercial and industrial loans$0
All other loans and all leases $387
Recoveries on Assets Sold and Securitized (included in principal balance and YTD only)
1-4 family residential loans$262
Home equity lines $0
Credit cards receivables $0
Auto loans $0
Other consumer loans$0
Commercial and industrial loans$0
All other loans and all leases$387
Established by other institutions
1-4 family residential loans $262
Home equity lines$0
Credit cards receivables$0
Auto loans$0
Other consumer loans$0
Commercial and industrial loans$0
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1 Ohio Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
044373The Wilmington Savings Bank184 North South Street, Wilmington, OH 45177January 01, 1890Full Service Brick and Mortar
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