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

  • Versailles Savings and Loan Company in Versailles, Ohio (OH)
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Versailles Savings and Loan Company - Overview

  • General
  • FDIC Certificate #: 28703
    Status: Active
    Federal Reserve ID: 402873
    Date Established: December 13, 1887
    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 #: 2186
    FDIC's unique #: 41537
    Numeric code: 35
    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: Mortgage Lending Specialization
    Date of Deposit Insurance: March 25, 1985
    Last Structure Change Effective Date: January 04, 2012
    Last Structure Change Process Date: January 04, 2012
    Last Data Update: January 04, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 27 East Main Street, Versailles, OH 45380
    County: Darke
    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): Dayton-Springfield-Greenville, OH (#212)
    Core Based Statistical Area (CBSA): Greenville, OH (#24820)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Geographic Region/Area/Territory/Field Office
  • Financial Summary
  • Total assets: $45.8 mil
    Equity capital: $9.5 mil
    Deposits held in domestic offices: $29.0 mil
    Return on assets (ROA): 0.62% ($0.3 mil)
    Quarterly return on assets: 0.49% ($0.2 mil)
    Return on Equity (ROE): 2.97% ($0.3 mil)
    Quarterly return on equity: 2.41% ($0.2 mil)
    Net income: $0.3 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.93% ($425.7 mil)
    Quarterly Pretax return on assets: 0.75% ($343.3 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
  • 7Total employees (full-time equivalent)
  • $45,774Total assets
  • $6,451Cash and due from depository institutions
  • $5,320Interest-bearing balances
  • $1,309Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $36,011Net loans & leases
  • $250Loan loss allowance
  • $0Trading account assets
  • $1,023Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $45,774Life insurance assets
  • $980All other assets
  • $36,271Total liabilities and capital
  • $29,002Total liabilities
  • $29,002Total deposits
  • $29,002Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $6,316Trading liabilities
  • $0Other borrowed funds
  • $953Subordinated debt
  • $9,503All other liabilities
  • $9,503Total equity capital
  • $9,503Total bank equity capital
  • $0Perpetual preferred stock
  • $1Common stock
  • $1,741Surplus
  • $7,761Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $176Income earned, not collected on loans
  • $0Earning assets
  • $109Long-term assets (5+ years)
  • $42,640Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $44,828Volatile liabilities
  • $46,069Insider loans
  • $26,464FHLB advances
  • $45,773Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $9,827Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $810Restructured Loans and leases
  • $178Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,994Total interest income
  • $480Total interest expense
  • $1,514Net interest income
  • $60Provision for loan and lease losses
  • $6Total noninterest income
  • $0Fiduciary activities
  • $2Service charges on deposit accounts
  • $0Trading account gains & fees
  • $4Additional noninterest income
  • $1,043Total noninterest expense
  • $652Salaries and employee benefits
  • $108Premises and equipment expense
  • $283Additional noninterest expense
  • $417Pre-tax net operating income
  • $0Securities gains (losses)
  • $141Applicable income taxes
  • $276Income before extraordinary items
  • $0Extraordinary gains - net
  • $276Net income attributable to bank
  • $0Net charge-offs
  • $276Cash 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)
  • 4.72%Yield on earning assets
  • 1.14%Cost of funding earning assets
  • 3.58%Net interest margin
  • 0.01%Noninterest income to earning assets
  • 2.47%Noninterest expense to earning assets
  • 0.62%Net operating income to assets
  • 0.62%Return on assets (ROA)
  • 0.93%Pretax return on assets
  • 2.97%Return on equity (ROE)
  • 2.97%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
  • 68,618Assets per employee
  • 6.54%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.69%Loss allowance to noncurrent loans
  • 142.05%Noncurrent assets plus other real estate owned to assets
  • 0.38%Noncurrent loans to loans
  • 0.49%Net loans and leases to deposits
  • 124.17%Net loans and leases to core deposits
  • 127.52%Equity capital to assets
  • 20.76%Core capital (leverage) ratio
  • 21.47%Tier 1 risk-based capital ratio
  • 37.13%Total risk-based capital ratio
  • Memoranda
  • $38Average assets
  • $44,828Average earning assets
  • $9,286Average equity
  • $42,276Average loans

List of branches

  • 1 Ohio Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    041537Versailles Savings And Loan Company27 East Main Street, Versailles, OH 45380December 13, 1887Full Service Brick and Mortar

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