Adams County Building and Loan Company in West Union, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Adams County Building and Loan Company in West Union, Ohio (OH)
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Adams County Building and Loan Company - Overview

  • General
  • FDIC Certificate #: 32304
    Status: Active
    Federal Reserve ID: 312570
    Date Established: January 22, 1907
    WWW: http://www.wehave
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 8120
    FDIC's unique #: 45138
    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: April 04, 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: 201 West Main Street, West Union, OH 45693
    County: Adams
    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
  • History of Changes
  • Change in Geographic Region/Area/Territory/Field Office
  • Financial Summary
  • Total assets: $26.1 mil
    Equity capital: $4.0 mil
    Deposits held in domestic offices: $22.1 mil
    Return on assets (ROA): 0.22% ($0.1 mil)
    Quarterly return on assets: 0.25% ($0.1 mil)
    Return on Equity (ROE): 1.43% ($0.1 mil)
    Quarterly return on equity: 1.60% ($0.1 mil)
    Net income: $0.1 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.22% ($57.4 mil)
    Quarterly Pretax return on assets: 0.25% ($65.3 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
  • 6Total employees (full-time equivalent)
  • $26,106Total assets
  • $10,456Cash and due from depository institutions
  • $9,406Interest-bearing balances
  • $683Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $14,021Net loans & leases
  • $200Loan loss allowance
  • $0Trading account assets
  • $54Bank premises and fixed assets
  • $260Other real estate owned
  • $0Goodwill and other intangibles
  • $26,106Life insurance assets
  • $632All other assets
  • $22,102Total liabilities and capital
  • $22,077Total liabilities
  • $22,077Total deposits
  • $22,077Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $25Subordinated debt
  • $4,004All other liabilities
  • $4,004Total equity capital
  • $4,004Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $4,004Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $817Income earned, not collected on loans
  • $0Earning assets
  • $93Long-term assets (5+ years)
  • $24,110Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $26,010Volatile liabilities
  • $26,026Insider loans
  • $12,055FHLB advances
  • $26,052Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $3,950Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $64Restructured Loans and leases
  • $94Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,184Total interest income
  • $339Total interest expense
  • $845Net interest income
  • $0Provision for loan and lease losses
  • $5Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $5Additional noninterest income
  • $795Total noninterest expense
  • $570Salaries and employee benefits
  • $55Premises and equipment expense
  • $170Additional noninterest expense
  • $55Pre-tax net operating income
  • $2Securities gains (losses)
  • $0Applicable income taxes
  • $57Income before extraordinary items
  • $0Extraordinary gains - net
  • $57Net income attributable to bank
  • $0Net charge-offs
  • $57Cash 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)
  • 4.92%Yield on earning assets
  • 1.41%Cost of funding earning assets
  • 3.51%Net interest margin
  • 0.02%Noninterest income to earning assets
  • 3.30%Noninterest expense to earning assets
  • 0.21%Net operating income to assets
  • 0.22%Return on assets (ROA)
  • 0.22%Pretax return on assets
  • 1.43%Return on equity (ROE)
  • 1.43%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
  • 93,529Assets per employee
  • 4.35%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.41%Loss allowance to noncurrent loans
  • 24.48%Noncurrent assets plus other real estate owned to assets
  • 4.13%Noncurrent loans to loans
  • 5.75%Net loans and leases to deposits
  • 63.51%Net loans and leases to core deposits
  • 65.39%Equity capital to assets
  • 15.34%Core capital (leverage) ratio
  • 15.16%Tier 1 risk-based capital ratio
  • 32.77%Total risk-based capital ratio
  • Memoranda
  • $34Average assets
  • $26,010Average earning assets
  • $3,987Average equity
  • $24,074Average loans

List of branches

  • 2 Ohio Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    045138Adams County Building And Loan Compa201 West Main Street, West Union, OH 45693January 22, 1907Full Service Brick and Mortar
    10128749695 South Main St Branch95 South Main St, Peebles, OH 45660June 30, 1985Full Service Brick and Mortar

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