First Federal Savings and Loan Association in city_name, state_name

First Federal Savings and Loan Association in Delta, Ohio (OH)
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First Federal Savings and Loan Association - Overview

General
FDIC Certificate #: 29345
Status: Active
Federal Reserve ID: 80374
Date Established: January 01, 1934
WWW: http://www.firstfeddelta.com
Trust Powers Granted: No
Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
Offices: 6 (Domestic: 6, Interstate: No)
OTS Docket #: 3313
FDIC's unique #: 42179
Numeric code: 37
Regulator: OCC
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: No
Subchapter S Corporations: No
Asset Concentration Hierarchy: Mortgage Lending Specialization
Date of Deposit Insurance: March 02, 1935
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: 404 Main Street, Delta, OH 43515
County: Fulton
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
Metropolitan Statistical Area (MSA): Toledo, OH (#8400)
Combined Statistical Area (CSA): Toledo-Fremont, OH (#534)
Core Based Statistical Area (CBSA): Toledo, OH (#45780)
CBSA Metro Statistical Area: Toledo, OH (#45780)
History of Changes
Change in Primary Regulatory Agency
Financial Summary
Total assets: $162.4 mil
Equity capital: $18.5 mil
Deposits held in domestic offices: $143.2 mil
Return on assets (ROA): 0.12% ($0.2 mil)
Quarterly return on assets: 0.07% ($0.1 mil)
Return on Equity (ROE): 1.04% ($0.2 mil)
Quarterly return on equity: 0.58% ($0.1 mil)
Net income: $0.2 mil
Quarterly Net income: $0.0 mil
Pretax return on assets: 0.12% ($194.8 mil)
Quarterly Pretax return on assets: 0.04% ($64.9 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
46Total employees (full-time equivalent)
$162,360Total assets
$65,896Cash and due from depository institutions
$62,142Interest-bearing balances
$3Securities
$0Federal funds sold & reverse repurchase agreements
$86,312Net loans & leases
$353Loan loss allowance
$0Trading account assets
$1,556Bank premises and fixed assets
$337Other real estate owned
$0Goodwill and other intangibles
$162,360Life insurance assets
$8,256All other assets
$143,839Total liabilities and capital
$143,154Total liabilities
$122,125Total deposits
$143,154Interest-bearing deposits
$99Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$685Subordinated debt
$18,521All other liabilities
$18,521Total equity capital
$18,521Total bank equity capital
$0Perpetual preferred stock
$0Common stock
$0Surplus
$18,521Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$588Income earned, not collected on loans
$0Earning assets
$398Long-term assets (5+ years)
$148,457Average Assets, year-to-date
$0Average Assets, quarterly
$156,302Volatile liabilities
$159,231Insider loans
$67,922FHLB advances
$162,360Loans and leases held for sale
$5,422Unused loan commitments
$0Tier 1 (core) risk-based capital
$18,521Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$4,478Restructured Loans and leases
$269Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$5,168Total interest income
$772Total interest expense
$4,396Net interest income
$0Provision for loan and lease losses
$539Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$539Additional noninterest income
$4,755Total noninterest expense
$2,570Salaries and employee benefits
$998Premises and equipment expense
$1,187Additional noninterest expense
$180Pre-tax net operating income
$0Securities gains (losses)
-$11Applicable income taxes
$191Income before extraordinary items
$0Extraordinary gains - net
$191Net income attributable to bank
$0Net charge-offs
$191Cash dividends
$1Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
3.61%Yield on earning assets
0.54%Cost of funding earning assets
3.07%Net interest margin
0.38%Noninterest income to earning assets
3.32%Noninterest expense to earning assets
0.12%Net operating income to assets
0.12%Return on assets (ROA)
0.12%Pretax return on assets
1.04%Return on equity (ROE)
1.04%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
180.00%Efficiency ratio
96,353Assets per employee
3.53%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.41%Loss allowance to noncurrent loans
60.03%Noncurrent assets plus other real estate owned to assets
0.57%Noncurrent loans to loans
0.68%Net loans and leases to deposits
60.29%Net loans and leases to core deposits
60.70%Equity capital to assets
11.41%Core capital (leverage) ratio
11.41%Tier 1 risk-based capital ratio
27.27%Total risk-based capital ratio
Memoranda
$28Average assets
$156,302Average earning assets
$18,449Average equity
$143,344Average loans

List of branches

6 Ohio Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	42179	First Federal Savings And Loan Assoc	404 Main Street, Delta, OH 43515	January 01, 1934	Full Service Brick and Mortar
1	274735	123 N Main St Branch	123 N Main St, Swanton, OH 43558	January 01, 1934	Full Service Brick and Mortar
2	274736	Holland-Sylvania Branch	3234 North Holland Sylvania Road, Toledo, OH 43615	January 01, 1934	Full Service Brick and Mortar
3	274737	30 South Third St Branch	30 South Third St, Waterville, OH 43566	January 01, 1934	Full Service Brick and Mortar
100	274738	6910 Airport Highway Branch	6910 Airport Highway, Holland, OH 43528	January 01, 1934	Full Service Brick and Mortar
101	274739	Providence Branch	6600 Providence Street, Whitehouse, OH 43571	June 30, 1985	Full Service Brick and Mortar

First Federal Savings and Loan Association in Delta, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches

First Federal Savings and Loan Association - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

First Federal Savings and Loan Association in Delta, Ohio (OH)Overview, Financial Summary, Detailed Financial Reports, Branches

First Federal Savings and Loan Association - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

First Federal Savings and Loan Association in Delta, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches