FDIC Certificate #: 30176 Status: Active Federal Reserve ID: 868572 Date Established: November 24, 1941 WWW:http://www.homesavings-wapak.com 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 #: 4893 FDIC's unique #: 43010 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: Mortgage Lending Specialization Date of Deposit Insurance: November 24, 1941 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: 1 South Blackhoof Street, Wapakoneta, OH 45895 County: Auglaize 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 Metropolitan Statistical Area (MSA): Lima, OH (#4320) Combined Statistical Area (CSA): Lima-Van Wert-Wapakoneta, OH (#338) Core Based Statistical Area (CBSA): Wapakoneta, OH (#47540) CBSA Micro Statistical Area: Yes
History of Changes
Change in Geographic Region/Area/Territory/Field Office
Financial Summary
Total assets: $34.9 mil Equity capital: $3.9 mil Deposits held in domestic offices: $30.0 mil Return on assets (ROA): 0.34% ($0.1 mil) Quarterly return on assets: 0.48% ($0.2 mil) Return on Equity (ROE): 3.13% ($0.1 mil) Quarterly return on equity: 4.36% ($0.2 mil) Net income: $0.1 mil Quarterly Net income: $0.0 mil Pretax return on assets: 0.50% ($174.6 mil) Quarterly Pretax return on assets: 0.63% ($220.0 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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)
$34,921Total assets
$4,407Cash and due from depository institutions
$4,177Interest-bearing balances
$4,550Securities
$0Federal funds sold & reverse repurchase agreements
$24,984Net loans & leases
$114Loan loss allowance
$0Trading account assets
$389Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$34,921Life insurance assets
$591All other assets
$31,048Total liabilities and capital
$29,960Total liabilities
$28,296Total deposits
$29,960Interest-bearing deposits
$97Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$824Trading liabilities
$0Other borrowed funds
$264Subordinated debt
$3,873All other liabilities
$3,873Total equity capital
$3,873Total bank equity capital
$0Perpetual preferred stock
$0Common stock
$0Surplus
$3,873Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$79Income earned, not collected on loans
$0Earning assets
$97Long-term assets (5+ years)
$33,711Average Assets, year-to-date
$0Average Assets, quarterly
$34,909Volatile liabilities
$34,805Insider loans
$17,170FHLB advances
$34,847Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$3,799Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$3,572Restructured Loans and leases
$685Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,464Total interest income
$382Total interest expense
$1,082Net interest income
$9Provision for loan and lease losses
$60Total noninterest income
$0Fiduciary activities
$39Service charges on deposit accounts
$0Trading account gains & fees
$21Additional noninterest income
$969Total noninterest expense
$532Salaries and employee benefits
$159Premises and equipment expense
$278Additional noninterest expense
$164Pre-tax net operating income
$9Securities gains (losses)
$55Applicable income taxes
$118Income before extraordinary items
$0Extraordinary gains - net
$118Net income attributable to bank
$0Net charge-offs
$118Cash 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)
4.35%Yield on earning assets
1.13%Cost of funding earning assets
3.21%Net interest margin
0.18%Noninterest income to earning assets
2.88%Noninterest expense to earning assets
0.32%Net operating income to assets
0.34%Return on assets (ROA)
0.50%Pretax return on assets
3.13%Return on equity (ROE)
3.13%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
84,851Assets per employee
5.82%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.45%Loss allowance to noncurrent loans
144.30%Noncurrent assets plus other real estate owned to assets
0.23%Noncurrent loans to loans
0.31%Net loans and leases to deposits
83.39%Net loans and leases to core deposits
84.83%Equity capital to assets
11.09%Core capital (leverage) ratio
10.90%Tier 1 risk-based capital ratio
22.13%Total risk-based capital ratio
Memoranda
$23Average assets
$34,909Average earning assets
$3,775Average equity
$33,688Average loans
List of branches
1 Ohio Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
43010
Home Savings Bank Of Wapakoneta
1 South Blackhoof Street, Wapakoneta, OH 45895
November 24, 1941
Full Service Brick and Mortar
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