The Wilmington Savings Bank in Wilmington, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches


The Wilmington Savings Bank - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Summary
  • Total 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
  • 17Total employees (full-time equivalent)
  • $208,265Total assets
  • $36,741Cash and due from depository institutions
  • $35,898Interest-bearing balances
  • $0Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $159,394Net loans & leases
  • $10,199Loan loss allowance
  • $0Trading account assets
  • $571Bank premises and fixed assets
  • $2,665Other real estate owned
  • $3Goodwill and other intangibles
  • $208,265Life insurance assets
  • $8,891All other assets
  • $178,207Total liabilities and capital
  • $139,907Total liabilities
  • $134,175Total deposits
  • $139,907Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $37,649Trading liabilities
  • $0Other borrowed funds
  • $651Subordinated debt
  • $30,058All other liabilities
  • $30,058Total equity capital
  • $30,058Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $775Surplus
  • $29,283Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $25,262Income earned, not collected on loans
  • $0Earning assets
  • $780Long-term assets (5+ years)
  • $195,292Average Assets, year-to-date
  • $92,624Average Assets, quarterly
  • $206,328Volatile liabilities
  • $203,393Insider loans
  • $124,916FHLB advances
  • $209,824Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $28,982Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $5,729Restructured Loans and leases
  • $447Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $10,129Total interest income
  • $2,727Total interest expense
  • $7,402Net interest income
  • $8,631Provision for loan and lease losses
  • $305Total noninterest income
  • $0Fiduciary activities
  • $87Service charges on deposit accounts
  • $0Trading account gains & fees
  • $218Additional noninterest income
  • $4,390Total noninterest expense
  • $1,772Salaries and employee benefits
  • $188Premises and equipment expense
  • $2,430Additional noninterest expense
  • -$5,314Pre-tax net operating income
  • $0Securities gains (losses)
  • -$1,807Applicable income taxes
  • -$3,507Income before extraordinary items
  • $0Extraordinary gains - net
  • -$3,507Net income attributable to bank
  • $0Net charge-offs
  • -$3,507Cash dividends
  • $6,217Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.26%Yield on earning assets
  • 1.42%Cost of funding earning assets
  • 3.85%Net interest margin
  • 0.16%Noninterest income to earning assets
  • 2.28%Noninterest expense to earning assets
  • -1.70%Net operating income to assets
  • -1.70%Return on assets (ROA)
  • -2.58%Pretax return on assets
  • -11.14%Return on equity (ROE)
  • -11.14%Retained earnings to average equity (YTD only)
  • 3.45%Net charge-offs to loans
  • 138.83%Credit loss provision to net charge-offs
  • 0.53%Efficiency ratio
  • 56,961Assets per employee
  • 12.25%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 6.01%Loss allowance to noncurrent loans
  • 40.37%Noncurrent assets plus other real estate owned to assets
  • 13.41%Noncurrent loans to loans
  • 14.90%Net loans and leases to deposits
  • 113.93%Net loans and leases to core deposits
  • 161.87%Equity capital to assets
  • 14.43%Core capital (leverage) ratio
  • 13.81%Tier 1 risk-based capital ratio
  • 23.20%Total risk-based capital ratio
  • Memoranda
  • $25Average assets
  • $206,328Average earning assets
  • $31,475Average equity
  • $192,463Average loans

Bank Assets Sold and Securitized (December 31, 2011)

  • Dollar figures in thousands
  • Principal balance with servicing or other recourse retained
  • $2621-4 family residential loans
  • $0Home equity lines
  • $0Credit cards receivables
  • $0Auto loans
  • $0Other consumer loans
  • $0Commercial and industrial loans
  • $387All other loans and all leases
  • Recoveries on Assets Sold and Securitized (included in principal balance and YTD only)
  • $2621-4 family residential loans
  • $0>Home equity lines
  • $0Credit cards receivables
  • $0Auto loans
  • $0Other consumer loans
  • $0Commercial and industrial loans
  • $387All other loans and all leases

List of branches

  • 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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